Why Kite
Why Kite is the best stablecoin card for Singapore
Here is the receipt.
A Visa card you load with USDC or USDT. Your balance sits in US dollars and spends anywhere Visa works, with no annual fee and a non-custodial wallet only you control.
| What to look for | The Kite Stable Card |
|---|---|
| Annual or monthly fee | None. Issuing and maintaining the card is free. |
| Foreign exchange cost | 1.8% on non-dollar spends. Zero on US dollar spends. |
| Who holds your money | You do. The wallet is non-custodial, secured with multi-party encryption. |
| Cash access in Singapore | Spend anywhere Visa works. ATM cash-out is not offered here. |
| What your balance holds | US dollars, so local currency swings do not eat your savings. |
| Top-up cost | 0.53% to move USDC or USDT onto the card. |
Send money home
Send money to Singapore with stablecoins
Dollars home in minutes, not days.
Singapore sends more money out than it takes in, and banks are slow to move it. Someone sends you USDC or USDT, it lands as stablecoins in your non-custodial wallet. You can top up your card with these stablecoins and they become spendable US dollars. You can tap your card or spend it anywhere Visa works.
| A typical transfer | A Kite stablecoin transfer | |
|---|---|---|
| The fee to send | Baked into a weaker exchange rate | Gas is on us, free up to a daily limit |
| Speed | Hours to days | Usually minutes |
| What arrives | Local currency at their rate | US dollars, held at par |
| Who controls it | The provider, until received by you | You, in a non-custodial wallet |
Sending is free up to a daily per-chain limit, then a small flat fee on that chain, always shown in the app before you confirm.
Everyday spending
Spend anywhere in Singapore
One card. 150M+ places. No FX games.
Tap in store with Google Pay, or check out online. US dollar spends cost nothing extra, non-dollar spends are a flat 1.8%. ATM withdrawals are not available at the moment.
A virtual card, ready to tap
We issue a virtual Visa the moment you are approved. Add it to Google Pay and pay in store the same day.
Spend at 150M+ merchants
Your card works anywhere Visa is accepted, online and in store. Buy in US dollars and pay no added FX.
Tap to pay, anywhere
Spend anywhere Visa is accepted, online and in store, across Singapore.
Your balance stays in dollars
Prices in USDC or USDT can move, but once funds are on the card they are US dollars. What you loaded is what you spend.
Get started
Get your Kite Stable Card in 3 simple steps
Set up in minutes. No seed phrase.
Sign up and verify
Create your wallet with your email address and pass a quick identity check. No seed phrase to memorise.
Get your free virtual card
We issue a virtual Visa instantly and you add it to Google Pay in a couple of taps.
Top up and spend
Move USDC or USDT onto the card and your dollars are ready to use anywhere Visa works in Singapore.
Availability
Is Kite available in Singapore?
Yes.
If you’re 18 or older and pass a quick KYC check, the Kite Stable Card is yours as a virtual Visa.
Live in nine countries today: Thailand, the Philippines, Vietnam, Singapore, Taiwan, Japan, Australia, South Korea, and Malaysia. Full eligibility sits in our help centre.
Your keys, your money
Truly non-custodial. You own your keys.
Stay in full control of your assets from day one. We never hold your keys, and you keep flexible ways to back up and recover access.
Multi-party encryption (TSS-MPC)
Your keys are split across multiple parties, so there is no single point of failure and no one else can move your funds.
Social backup and recovery
Back up with Google or Apple and recover access without a seed phrase to lose. Security that fits real life.
Export your keys anytime
Truly non-custodial means you are never locked in. Your keys are yours, from day one.
Pricing
What the Kite Stable Card costs in Singapore
Almost zero fees. Seriously.
| Action | Fee |
|---|---|
| Issue the card | $0 |
| Hold the card (annual or monthly) | $0 |
| KYC verification | $0 |
| Payment processing | $0 |
| Authorisation & settlement | $0 |
| Declined transaction | $0 |
| Replacement card | $0 |
| Close your account | $0 |
| Top up from USDC or USDT | 0.53% |
| Spend in US dollars | $0 |
| Spend in Singapore dollars or non-USD | 1.8% FX |
| Receive crypto to your wallet | $0 |
| Network gas when you send | $0 we cover the gas |
Card limits
| Limit | Amount |
|---|---|
| Daily limit | $50,000 or 50 transactions |
| Yearly limit | $990,000 or 1,040 transactions a year |
Every fee and total shows in the app before you confirm. Full breakdown in the fees overview in our help centre.
FAQ