Hold dollars
Deposit USDC or USDT and they land as dollars. Other assets are bought from you at a rate you see first.
What it costsSpend anywhere
A Visa card that pays straight from your balance, in shops, online and in Apple Pay or Google Pay.
About the cardSend globally
To a bank account abroad, in the local currency. You see the rate and the fee before you confirm.
Where you can sendSend in app
To another Vapa user by email or phone number. Instant, free, and the money is there before you put the phone down.
Get early access
Crypto in · real life out
Everything a bank does.
Powered by crypto.
Hold dollars on-chain, spend them with a Visa card, send them anywhere. Your virtual accounts, in ten currencies. Only sky is the limit.
vapaVISAVirtual
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vapaVISAPhysical
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vapaVISAMetal
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How it works
Your crypto, transformed.
This is how we do it.
Enjoy the security of blockchain backed by the trustworthiness of established financial institutions. Send and receive money all over the world, with the best of both worlds behind every payment.
Accounts
Accounts issued
in your name
Your own account details in ten currencies. Money arrives in your name and goes out in your name. Give the details to an employer, a client or your family, and they pay you directly.
Specimen. Currencies: 10, all in her name.
Where crypto pays in fiat
All personal expenses,
paid from crypto
From rent and utility bills to school fees and travel, pay any expense in local fiat, directly from your crypto.
- Rent
- Hotels
- Travel
- Automotive
- Jewellery
- Advertising
Card
Visa with points on everything
Accepted worldwide. Stablecoin holders can spend globally through a leading card network with ease.
vapaVISAVirtual
Global payouts
Send money to
50+ currencies
Local rails where they exist, SWIFT where they do not. Your recipient is paid in their own currency, into their own bank account.
- 50+
Currencies you can send to.
From zloty and pesos to rupees and Thai baht.
- 10
Currencies you can hold.
Each with account details issued in your name.
- 0
Crypto on their side.
They receive an ordinary payment and never touch a wallet.
Business
The same account, for your company
Vapa Business is the command centre for globally run businesses. Accounts, cards, transfers and cashback.
Pricing
The price before you confirm
Rate and fee on screen first.
From 1% to a bank account, free between Vapa users.
The physical card has no annual fee.
FAQ
Questions and answers
Is Vapa a bank?
VAPA™ is a financial technology company, not a bank. Virtual accounts, payment cards, custody, and on/off ramp services are provided by licensed partners. Availability of services may vary by jurisdiction and is subject to regulatory approval. We provide banking-like services through stablecoins.
Where is Vapa available?
VAPA opens country by country. Availability of services may vary by jurisdiction and is subject to regulatory approval.
How do I get in?
Enter your code, or ask us for one. The request is four questions, and we reply with a code when your country opens. Codes are single use and tied to your email address.
What can I deposit?
Deposit USDC or USDT and they land as dollars. Other assets are bought from you at a rate you see first.
What does it cost?
From 1% to a bank account, free between Vapa users. Rate and fee are on screen first, before you confirm. The physical card has no annual fee.
Does the person I pay need crypto?
No. They receive an ordinary payment and never touch a wallet. The person receiving the money sees an ordinary payment in their own currency, on their usual rail.
Whose name is on the account?
Yours. Each one is issued to you, not pooled. Money arrives in your name and goes out in your name.
Which currencies can I hold?
Ten: USD, EUR, GBP, AED, HKD, SGD, AUD, MXN, BRL and COP, each with account details issued in your name.
Where can I use the card?
150M+ merchants worldwide, including subscription services and everyday purchases. Link it to Apple Pay or Google Wallet to pay in store, online or contactlessly.
Is there a business account?
Yes. The same account, for your company. Vapa Business is the command centre for globally run businesses: accounts, cards, transfers and cashback.
Private access
Early access
VAPA opens country by country. Enter your code, or ask us for one.