Spend your crypto, in the real world.
Crypto Visa cards, bill pay, gift cards, mobile top-ups, cash-in and cash-out, and direct payments. Every way to put your crypto to work, all from one non-custodial app.
Spend by country. See what is on for you.
Pick your country and see exactly which Zypto products and services are available where you are, from cards and bill pay to gift cards, top-ups and cash-out.
- Availability mapped to your location
- Cards, bills, gift cards, top-ups and more
- Pay with over 100 crypto assets
Zypto Premium Visa Card. Physical and virtual.
Load your card with crypto in advance, then use it for real-world spending wherever Visa is accepted, in store and online, with ATM cash access too.
- Add to Apple Pay and Google Pay
- Freeze, unfreeze and track spend in-app
- $0 monthly fees on both the physical and virtual cards
Over 8,500 top brands, bought with crypto.
Turn crypto into a gift card for the brands you already use. Buy in seconds, schedule delivery, add a message, and send to any email.
- Pay or part-pay with crypto and ZYPs
- Schedule delivery and add a custom message
- A simple, practical off-ramp
Pay real-world bills from your crypto.
Settle utilities, services and billers in local currency, straight from your crypto balance. You hold the crypto, the biller gets paid.
- 87,000+ billers across 120+ countries
- Pay or part-pay with ZYPs where available
- Completed within 48 hours
Recharge any phone, pay with crypto.
Refill airtime, data and bundles for yourself or anyone, anywhere, funded straight from your crypto balance and delivered fast.
- Airtime, data and bundles
- 800+ operators across 170+ countries
- Pay with crypto and ZYPs where available
USDC ⇆ Cash, activated by MoneyGram and Stellar.
Cash-in and cash-out USDC in Zypto App at participating MoneyGram locations. A global bridge between USDC on Stellar and local currency, with your funds in your own non-custodial wallet until you move them.
- Cash-in and cash-out at participating MoneyGram locations
- USDC on the Stellar network
- No bank account required
Pay abroad with crypto, like a local.
Hold crypto in your Zypto App wallet and pay merchants or send to friends and family in their own local currency. Live now in Brazil and Colombia, with more on the way. No local bank account required.
- Brazil over Pix, Colombia through Nequi
- Pay in local currency, no local bank account needed
- Self-custodial, every step
Pay from your exchange, inside Zypto App.
Pay directly from your KuCoin balance, right inside Zypto App. Scan, confirm, done, with the full Zypto product range behind it.
- Set up your order in Zypto App
- Select KuCoin Pay in payment options
- Confirm your payment in KuCoin
- That's it, you are paid
Crypto that works in everyday life.
Always non-custodial. Your keys and funds stay on your device.
From wallet to checkout, in three steps.
Every product on this page runs from the same non-custodial wallet.
1 · Get the app
- Download Zypto App on iOS or Android
- Create your non-custodial wallet in minutes
2 · Add crypto
- Buy, transfer in, or swap across 20+ blockchains
- Hold 24,000+ assets in one place
3 · Spend it
- Choose a card, bill, gift card, top-up or cash-out
- Confirm, and you are done
From the Zypto blog
Spending your crypto — FAQs
What can I do with my crypto in Zypto App?
Use crypto Visa cards for real-world spending, pay bills, buy gift cards, top up mobiles, cash in and out of USDC at participating MoneyGram locations, pay merchants directly, and pay from KuCoin with KuCoin Pay, all from one non-custodial app.
Is Zypto self-custodial?
Yes. Your private keys are generated and stored on your device, and every transaction is signed locally. Zypto never holds your funds.
Which countries are supported?
Availability varies by product and location. Use Spend by country to see exactly which products and services are available where you are.
How do the crypto Visa cards work?
You load your card with crypto in advance, which converts to local currency at the time you load. You then use the card for real-world spending wherever Visa is accepted, in store and online.
Are there fees?
The app is free to download and use. Network gas fees apply to on-chain activity, and some services carry transparent fees shown before you confirm.
The more you use it, the more you earn.
Every time you swap, load a card, pay a bill or refer a friend, you earn ZYP rewards points in the Rewards Hub. Level up as you go, right inside Zypto App.
- Earn ZYPs on eligible everyday activity
- Level up and track lifetime earnings
- Put ZYPs to work across the app
