Use your crypto for everyday spending

Tangem Pay is a non-custodial payment account built into the Tangem Wallet app. It lets you spend assets directly using a virtual Visa card, online or in-store with Apple Pay or Google Pay. No need to move funds to a third-party exchange — just spend from your wallet.

Tangem Wallet is a self-custodial hardware wallet where you control your keys anonymously. Tangem Pay is an optional, regulated product within the same app that lets you create a payment account, verify your identity, and receive a Visa card for real-world spending.

At launch, Tangem Pay provides a virtual Visa card only.

Physical cards will be added in a future release.

You can use your Tangem Pay card anywhere Visa is accepted, both online and in-store. This includes merchants that support Apple Pay and Google Pay, allowing for seamless contactless payments. The card currency is USD, so if you make a purchase in any other currency, Visa’s foreign exchange rates and cross-border fees may apply. International transactions are fully supported, but subject to standard Visa terms.

You don’t need to convert to FIAT, but you do need to top up your Tangem Pay account with USDC on the Polygon network before you can spend. Your Tangem Pay card uses this on-chain USDC balance to settle real-world purchases. When you make a payment, the equivalent amount of USDC is automatically deducted from your smart contract account and processed through Visa in U.S. dollars, while your balance remains on-chain and non-custodial.

Currently, Tangem Pay supports native USDC on the Polygon network. You’ll need to fund your Tangem Pay account using this specific token from either your Tangem Wallet or an external wallet. Support for additional stablecoins and networks will be added later.

Once you pass KYC verification, your Tangem Pay account is activated, and you receive your virtual Visa card instantly. You can then top up with USDC on Polygon and start spending.

Tangem Pay is available in the U.S., across parts of LATAM, APAC, MEA and Africa. We’re continuing to expand into new regions — if Tangem Pay isn’t live in your country yet, join the waitlist or reach out to our team to be among the first notified when it becomes available.

To sign up, you’ll need: ● A Tangem Wallet ● A supported smartphone (iOS/Android) ● Valid ID to complete KYC ● A residency address in one of the supported countries ● A USDC balance on the Polygon network

There are no transaction fees or monthly account fees for using Tangem Pay. However, the following charges may apply: ● Foreign exchange markups if you spend in a currency other than USD. ● Polygon gas fees when topping up your account with USDC (subject to network conditions). These are fees paid to the network, not charged by Tangem. ● ATM withdrawal fees may apply once this feature becomes available. A detailed fee schedule will be displayed during sign-up.

You can fund your Tangem Pay account by clicking ‘Add funds’ button and sending native USDC (Polygon) from your Tangem Wallet. Funds are credited to your smart contract wallet and available for spending immediately after confirmation.

Yes. Your balance is held in a smart contract you control. You can withdraw any unused USDC (Polygon) back to your Tangem Wallet at any time.

You can use your card for online and in-store purchases at Visa-accepting merchants. At this stage, you cannot use the card at ATMs, and only USDC (Polygon) that has been prefunded can be used. Spending directly from other tokens or chains is not yet supported.

When you make a purchase, the equivalent amount of USDC is deducted from your smart contract account and settled with Visa onchain in USDC. Visa then settles with the merchant directly in USD. If a transaction is declined, your funds remain untouched. Pending or reversed transactions will follow standard Visa network timelines.

Tangem Pay is provided by Paera LLC, a U.S.-based company responsible for delivering the service to end users from eligible countries. The Tangem Pay Visa card is issued by Third National, a licensed card issuer and Visa network partner. Our card program is managed in partnership with Rain and supported by trusted providers, including Visa, Sumsub (ID verification), Elliptic (transaction monitoring), and other providers.

Not at launch. Support for stablecoin yield and referral-based rewards is on the roadmap. You’ll be able to opt in when those features are introduced.