Crypto wallet with a virtual debit card
Your coins sit in the SharPay crypto wallet, and a Visa or Mastercard debit card sits right next to them. When you need money, you exchange the amount you want to euro and send it to the card, usually within seconds.
Crypto to debit card in seconds
Moving money from crypto to a debit card usually means three apps: an exchange to sell coins, a bank to receive euro, and a card to spend them. In SharPay, all three steps happen in one account.
You exchange coins to euro in the wallet and send the euro to the card. Small amounts are approved automatically, usually within seconds, while larger amounts go through a short check that can take a little longer.
How to spend crypto with a card
Coins stay crypto until you decide to exchange them. Here is the whole route, start to finish.
Deposit coins
Send BTC, ETH, USDC or another supported coin to your SharPay wallet address, then wait for the network to confirm it.
Convert crypto to euro
Pick the amount, since whatever you do not exchange stays in crypto.
Send euro to the card
Top up the card balance in a couple of taps, usually within seconds.
Pay anywhere
Online, or in shops with Google Pay and Apple Pay, wherever Visa and Mastercard work.
A virtual card you can top up with crypto
The card itself is a regular virtual Visa or Mastercard in euro, so shops see an ordinary card payment, while you decide when and how much crypto turns into euro on the card balance.
That order of steps protects you from price swings. Before a large purchase, you can move into USDC or straight into euro, so the price you see at checkout is the price you pay. Everything else stays in coins until you need it.
Besides crypto, you can top up the same card from your SharPay IBAN or from another bank card, whichever is closer at the moment.
Why keep a crypto wallet card in one app
Top up your balance with crypto or euro
Use the crypto wallet, your SharPay IBAN or another bank card, whichever is closer at the moment.
Wallet, IBAN and card in one app
Wallet, personal IBAN and card share one dashboard, so there is no exchange account to log into and no extra banking app.
You pick the moment
Exchange when the rate suits you, while the rest stays in coins until you need it.
Only the money you sent
The card spends the euro you moved onto it and nothing more, so there is no credit line and no interest.
Every step in one history
Deposits, exchanges and card payments appear in the same report, which makes accounting easy.
Visa or Mastercard
The card runs on Visa or Mastercard, so it works online and, through Google Pay and Apple Pay, in shops around the world.
Convert crypto to euro without an exchange account
Normally, turning crypto into money for everyday spending means selling on an exchange, waiting for a bank transfer and then paying with a card from another bank. Each step adds a fee and a delay, and each app asks for its own verification.
With SharPay, you pass verification once. After that, the exchange happens inside the wallet, and the euro lands on your card balance in the same app, which means there is no transfer between providers to wait for.
Since you choose how much to exchange, you can keep long-term coins untouched and convert only what you plan to spend this week.
Who a crypto wallet card suits
Freelancers paid in crypto
They receive USDC from clients and then convert a part to euro for rent and groceries, while the rest stays in stablecoins.
Long-term holders
They keep BTC or ETH as savings and turn a small amount into euro only when a purchase comes up.
People who travel
They keep travel money in crypto and convert to euro on the go, because the card already sits in their phone.
Online shoppers
They pay for services with a regular card number, so shops never need to accept crypto themselves.
Supported coins and minimum deposits
Deposits and withdrawals to an external wallet cost only the network fee.
Fees for the crypto wallet and card
The full list is in the SharPay price list.
Getting started
Sign up
Email, phone number, a strong password and the confirmation code.
Pass verification
Upload your passport. It usually takes 5 to 15 minutes.
Open the crypto wallet
Press “+” on the main screen and choose the crypto wallet.
Add the card
Create the virtual card next to the wallet and send euro to it whenever you need.
SharPay cards: virtual, with a crypto wallet and physical
SharPay has three card options on one account. Pick the one that fits how you pay.
Crypto wallet and card FAQ
Can I pay with crypto directly?
Shops take euro, so you exchange crypto to euro in the SharPay wallet first and send it to the card. It takes a couple of taps and usually seconds.
How fast can I move crypto to my debit card?
Usually within seconds. Small amounts are approved automatically, and larger amounts go through a short check that can take a little longer.
Are my coins sold automatically?
No. They stay crypto until you choose to exchange them, and you decide how much.
Which cryptocurrencies are supported?
BTC, ETH, USDC, LTC, XRP, DAI and TUSD. Minimum amounts for each coin are in the price list.
How much does it cost to send USDC to the card?
3% of the amount, with a minimum of 30 USDC. Deposits and withdrawals of other coins cost the network fee.
Is it a credit card?
No. It is a debit card that spends only the money you sent to it.
Who can open a crypto wallet with a card?
Anyone who passes verification with an international or EU passport, including Ukrainians living in Ukraine or abroad.
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