IZIPAY

What IZIPAY does

IZIPAY (IZIPAY Solutions Group) is a Hong Kong-registered technology intermediary, founded in 2024, that connects cryptocurrency wallets to Visa and Mastercard prepaid debit cards issued by licensed third-party financial institutions. Its core products are a no-KYC virtual card issued in approximately 60 seconds (one-time $49.99 fee, 3% crypto top-up fee, zero monthly maintenance) and a premium 18g physical metal card ($459.99, 3% top-up, 1% ATM fee), both compatible with Apple Pay, Google Pay, and Samsung Pay and accepted at NFC terminals in 150+ countries. The platform supports top-ups in BTC, ETH, USDT, USDC, SOL, BNB, and TON across TRC20, ERC20, BEP20, Solana, and TON networks, with a flat 3% conversion fee and no FX markup.

The business model layers three revenue streams on top of card issuance: (1) direct-to-consumer card issuance fees and recurring 3% top-up margins across 12,000+ users; (2) corporate bulk issuance with tiered per-card pricing ($35-$45 per card) for media buyers, affiliate networks, SaaS teams, remote companies, dropshipping, and gaming studios, served through a dedicated sales motion; and (3) a B2B platform layer comprising a REST Payment Gateway API (freemium to Pro at $0.30/tx + 1% of payment value) and a 4-8 week white-label program for neobanks, crypto exchanges, marketplaces, and Web3/Telegram apps. Distribution is product-led through izipay.me and a Telegram bot, with a 40+ language website, SEO-optimized country-specific content, and social presence across Instagram, TikTok, YouTube, and X. The company holds PCI-DSS certification and claims MiCA compliance, but operates as a technology intermediary: actual card issuance, crypto-to-fiat conversion, and custody rely on licensed European financial partners, and the platform excludes the US, UK, EU, and sanctioned jurisdictions.

Name

IZIPAY

Legal name

IZIPAY Solutions Group

Website

https://izipay.me

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

IZIPAY is a Hong Kong-based crypto-to-fiat card platform, founded in 2024, that issues no-KYC Visa and Mastercard virtual and physical metal cards funded by major cryptocurrencies via multi-chain wallets, serving individual crypto holders, SMB/mid-market business teams, and white-label fintech partners globally.

Ownership category

akta.pro rank

Product category

Crypto Prepaid Cards

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid) (FSADAIAC)

Keywords

• Crypto prepaid cards
• Virtual debit cards
• White-label card issuing
• Crypto payment gateway
• Multi-chain wallet infrastructure

Headquarters

HQ city

Hong Kong

HQ country

Hong Kong SAR China

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Virtual Card Issuance: One-time $49.99 fee charged upon virtual card issuance. Non-refundable once blockchain transaction confirmed. Card has lifetime validity with no monthly maintenance.
2. Physical Metal Card Issuance: One-time $459.99 fee for premium metal physical card with worldwide shipping included. Card valid for 3 years with auto-renewal.
3. Crypto Top-Up / Conversion Fee: Flat 3% fee on all crypto top-ups to card balance. Applies to both virtual and physical cards. Zero deposit limits with automated 24/7 processing.
4. Corporate Card Volume Pricing: Volume-based per-card pricing for corporate bulk issuance: Starter $45/card (10-49 cards), Growth $40/card (50-199 cards), Scale $35/card (200+ cards). Includes corporate dashboard, API access, and 24/7 support. Top-up fees of 2.5-3% depending on tier.
5. B2B API / Payment Gateway: Free up to 100 transactions/month. Pro tier at $0.30/transaction + 1% of payment value for crypto payment acceptance; $35-$50 per issued card for card issuance API. Enterprise volume discounts, dedicated CSM, custom SLA, and multi-region failover at top tier.
6. ATM Withdrawal Fee: 1% fee on ATM cash withdrawals with physical card. No FX markup on currency conversion.
7. Card Balance Withdrawal: 3% withdrawal processing fee to return card balance to a cryptocurrency wallet. Balance withdrawals are returns of pre-existing user funds, not refunds.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

IZIPAY is a Hong Kong-based crypto-to-fiat payment platform that issues virtual and physical Visa/Mastercard prepaid debit cards funded with BTC, ETH, USDT, USDC, SOL, BNB, or TON. It offers email-only registration with no mandatory KYC, instant virtual card issuance in under 60 seconds, premium metal physical cards shipped globally, bulk corporate card issuance with per-card controls, a REST API for developers, and a white-label card program for fintechs and exchanges. Acceptance spans Apple Pay, Google Pay, Samsung Pay, and contactless NFC tap-to-pay in 150+ countries.

Product overview

IZIPAY is a multi-product crypto-to-fiat spending platform consisting of five core offerings: (1) Virtual Crypto Card — an instantly issued no-KYC Visa/Mastercard debit card for anonymous online spending, compatible with Apple Pay, Google Pay, and Samsung Pay; (2) Physical Metal Card — a premium metal debit card for global ATM withdrawals and in-store tap-to-pay; (3) Corporate Accounts — a bulk card issuance dashboard for businesses and teams with B2B API access and volume pricing; (4) White-Label Program — a turnkey infrastructure solution allowing partners to launch fully branded crypto card programs in 4-8 weeks; and (5) Payment Gateway API — a developer-facing REST API for accepting crypto payments and issuing cards programmatically, with official Node.js, Python, and PHP SDKs. All products share a common infrastructure: multi-chain wallet support (TRC20, ERC20, BEP20, Solana, TON), flat 3% crypto-to-fiat conversion, zero monthly maintenance fees, and Apple Pay/Google Pay mobile wallet integration.

Differentiator

Problem solved

Functional benefit

Products and services

• Virtual Crypto Card Instant virtual Visa/Mastercard debit card issued with email-only registration and no mandatory KYC; credentials generated within 60 seconds and compatible with Apple Pay, Google Pay, and Samsung Pay for online and contactless spending in 150+ countries. Funded with BTC, ETH, USDT, USDC, BNB, SOL, or TON via a multi-chain dashboard. Priced at a one-time $49.99 issuance fee plus a flat 3% crypto top-up fee with $0 monthly maintenance.
• Physical Crypto Card (Metal Card) Premium 18g metal Visa/Mastercard physical debit card with EMV chip, PIN protection, and contactless tap-to-pay for global ATM withdrawals, in-store purchases, and online transactions. Delivered worldwide in 7-14 business days. Funded with BTC, ETH, USDT, USDC, BNB, SOL, or TON at a one-time $459.99 issuance fee, flat 3% top-up fee, 1% ATM fee, and $0 monthly maintenance.
• Corporate Accounts (Bulk Card Issuance) Bulk Visa/Mastercard issuance dashboard for businesses and high-volume teams. Issues 10-1,000+ cards for team members, contractors, and affiliates with real-time category analytics (Ads, SaaS, E-commerce), per-card limits, instant freeze/revoke, batch top-ups in USDT/USDC/BTC/ETH, and a full B2B API. Priced at $45/card for 10-49 cards, $40/card for 50-199 cards, and $35/card for 200+ cards.
• White-Label Card Program Turnkey white-label solution for launching a branded crypto card program under a partner's own brand, app, and domain. IZIPAY handles card issuance, payment processing, ledger, crypto top-ups, and compliance; the partner owns the customer relationship. Supports branded virtual and physical cards, custom KYC rules, configurable limits/currencies, and either partner-owned or sponsored BINs. Includes full API and SDKs (Node, Python, PHP). Time to launch is 4-8 weeks with a dedicated solutions engineer and account manager.
• Payment Gateway API REST API for merchants and developers to accept USDT, USDC, BTC, ETH, BNB, SOL, and TON payments, and to programmatically issue Visa virtual cards. Features HMAC-SHA256 signed webhooks with 7-day retries, a sandbox environment at sandbox.izipay.me, an OpenAPI 3.0 spec, a Postman collection, and official SDKs for Node.js, Python, and PHP. Free tier up to 100 transactions per month; Pro tier at $0.30/transaction plus 1% of payment value, or $35-$50 per issued card.

Quantifiable outcome

• Save up to 70% compared to traditional crypto exchanges through flat 3% top-up fee and zero monthly maintenance
• +2 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature9 records

Partnerships

Six partnerships are on record, tiered core.

• VisacoreTechnology or IntegrationIZIPAY virtual and physical cards operate on the Visa global payment network. Cards are Visa-branded prepaid debit products accepted at millions of merchants worldwide. IZIPAY cards appear as standard Visa cards to merchants.
• MastercardcoreTechnology or IntegrationIZIPAY cards operate on Mastercard network alongside Visa. Physical metal cards are Mastercard-branded for global acceptance including worldwide ATM withdrawals and in-store tap-to-pay via NFC terminals.
• Apple PaycoreTechnology or IntegrationIZIPAY virtual and physical cards can be added to Apple Pay for contactless tap-to-pay at any NFC-enabled terminal in 150+ countries. Integration enables crypto balance spending in physical stores directly from iPhone.
• Google PaycoreTechnology or IntegrationIZIPAY cards are fully compatible with Google Pay, allowing users to add their crypto-funded card to Google Wallet for contactless payments at physical merchants worldwide.
• Licensed Financial Institutions (MiCA Compliant)coreTechnology or IntegrationIZIPAY partners with licensed financial institutions for card issuance, crypto-to-fiat conversion, and balance custody. Operates with full MiCA (Markets in Crypto-Assets) compliance under European banking standards. IZIPAY is a technology intermediary — the actual card issuance and conversion is performed by these licensed third-party service providers.
• TelegramcoreGTM or Marketing PartnerTelegram Bot (t.me/izipaycardbot) serves as a distribution and support channel. Telegram is also a key platform for the crypto-native user base. Dedicated Telegram managers provide white-glove support for corporate accounts with 50+ cards.

Scale indicators7 records

Recent moves3 records

Expansion highlights6 records

Others

• Transak: Transak provides fiat on-ramp infrastructure that converts fiat to crypto (and vice versa) for wallets and dApps. Adjacent to IZIPAY in the fiat-crypto conversion stack, though focused on onramp/offramp rather than card issuance.

Direct peers

• Nexo: Nexo issues a crypto-backed Mastercard with both credit and debit variants. Comparable to IZIPAY as a crypto-funded card issuer serving crypto-native users, though Nexo also offers lending, custodial services, and a regulated KYC stack.
• Mercuryo: Mercuryo provides fiat-to-crypto onramp infrastructure and crypto-funded card issuing services for fintechs and wallets. Comparable to IZIPAY in offering white-label card infrastructure and fiat-crypto conversion rails to partners.
• Wirex: Wirex is a crypto-friendly payments app that issues Visa and Mastercard debit cards funded by crypto and fiat, supporting multiple chains and currencies. Directly comparable to IZIPAY in product offering, target user (crypto holders wanting to spend at merchants), and multi-chain top-up functionality.
• Gnosis Pay: Gnosis Pay is a self-custodial crypto Visa debit card that converts stablecoins to euros at point of sale. Comparable to IZIPAY in offering a Visa card funded by digital assets with global acceptance, though with a self-custody emphasis rather than no-KYC.

Broad incumbents

• Crypto.com: Crypto.com is a major crypto exchange offering a Visa card with extensive merchant rewards, staking, and a broad crypto product suite. Comparable to IZIPAY as a crypto-to-card issuer, but vastly larger, KYC-required, and serves markets IZIPAY is excluded from.
• Binance Card (by Binance): Binance Card is a Visa debit card funded by crypto balances held on Binance. Comparable issuance model to IZIPAY but backed by the world's largest crypto exchange, with deep liquidity and a KYC-compliant, regulated footprint across most geographies.
• Alchemy Pay: Alchemy Pay provides crypto on-ramp and payment gateway infrastructure for merchants and developers. Comparable to IZIPAY's API and payment-gateway offering, with broader merchant-side focus rather than direct card issuance.
• BitPay: BitPay is an established crypto payments processor offering prepaid Mastercard cards and merchant crypto acceptance. Comparable to IZIPAY as a crypto-to-fiat card and payment gateway provider, with a longer operating history and US-anchored regulatory posture.
• Bybit Card: Bybit Card is a Mastercard debit card for Bybit exchange users that converts crypto to fiat at point of sale. Comparable product mechanics to IZIPAY's crypto-funded card, though distributed through a large centralized exchange rather than a standalone platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/izipay_me
• YouTubeyoutube.com/@izipay_official
• Instagraminstagram.com/izipay_official
• TikToktiktok.com/@izipay_official

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about IZIPAY