Link to open card: https://www.coinepay.net/
I. Main interface of the platform
II. Timing of the establishment of the platform
There is no clear mention of when the Coinepay platform was established in the existing webpage, but we can only speculate from the release date of the Zhihu article (May 9, 2025) that the platform had been formally operated and launched relevant services before that time, and there is no publicly available information on the specific year and date of its establishment.
III. Card opening fees
The platform offers three different types of virtual cards with the following opening fees and related package information:
| card type | Card Opening Fee (Event Price) | additional benefits |
|---|---|---|
| Event Card / Standard Card | $2.99 | Gift $2.99 balance for 3 years |
| Platinum Card | $12 (official website)/$10.99 (AI station) | Gift $12 Balance (official website) valid for 3 years |
| Black Gold Supreme Card | $18 (official website)/$18.88 (AI station) | Self-contained $10 balance (official website) valid for 3 years |
Note: The opening fees of Platinum Card and Black Gold Supreme Card disclosed in different webpages are slightly different, presumably due to different activity policies of different channels, and the core price range is relatively stable.
IV. Top-up rates (consolidated)
The recharge rates are graded by card type and consist of a flat fixed fee + a proportional rate as follows:
| card type | Recharge rate structure | Combined rate level |
|---|---|---|
| Event Card / Standard Card | 2% + 0.28USD | Approx. 2% (including fixed fee) |
| Platinum Card | 1.8% + 0.28usd | Approx. 1.81 TP3T (including fixed fee) |
| Black Gold Supreme Card | 1.5% + 0.28usd | Approx. 1.51 TP3T (including fixed fee) |
Note: The fixed fee of 0.28USD is a base add-on, and the proportional rate decreases as the card level increases; the higher the top-up amount, the more significant the proportional rate's impact on the overall cost.
V. Snap Heads (Applicable Scenarios)
(i) Card organization support
It supports Visa and Mastercard, and provides a variety of card BIN classifications to meet the needs of different consumer scenarios.
(ii) Core applicable scenarios (covering 106+ scenarios with the following core categorization)
- Cross-border e-commerce platforms: Amazon, Alibaba, Aliexpress, Shopee, eBay, Lazada, etc., which can be used for purchasing and paying store rent.
- Digital advertising and marketing: Facebook, Google Ads, TikTok, Twitter (X), etc. Support multi-ad account management to avoid payment failure leading to stopping the broadcast.
- Global Subscription & SaaS Services: Netflix, Spotify, ChatGPT Plus/Pro, Claude Pro, Adobe, AWS, Microsoft, Notion, and more.
- Gaming & Digital Entertainment: Steam, PlayStation, Xbox, Nintendo, Epic Games, Pixiv Fanbox and more for game content, subscription services.
- Other scenarios: domain name registration, server fee payment, AI tools (Midjourney, Poe, etc.) subscription, global multi-currency settlement and consumption, and some card segments support e-wallet binding such as Apple Pay, PayPal, Google Pay, and so on.
VI. KYC requirements
There are information discrepancies:
- Some of the pages are clearly labeled “No KYC required for virtual cards,” emphasizing anonymity and privacy protection, and customer service does not ask for finance-related information;
- Another part of the webpage mentions that registration needs to complete identity authentication (KYC), requiring the uploading of ID cards, selfies and other materials. It is presumed that it may be a differentiated policy for different card types or usage scenarios, with the core logic of “no KYC required for basic usage, and authentication may be required for specific functions or high limit cards”, subject to the platform's registration process prompts.
VII. Whether you need a cell phone number to register
The existing webpage information does not mention the need to bind a cell phone number for registration, and only explicitly supports email registration. The registration process emphasizes “one-minute registration” and “convenience and efficiency”, and does not include a cell phone number as a required field, so it is presumed that registration can be completed without a cell phone number.
VIII. Top-up method
- Core recharge method: support virtual coin (USDT) recharge, recommended to use TRC20 network, low fee (about 1USDT), fast arrival (within a few minutes), you can transfer money to the address provided by the platform through Binance, OKX, TronLink and other wallets;
- Supplementary recharge method: support fiat currency recharge, provide fast digital currency and fiat currency two-way recharge channel, specific fiat currency recharge channel need to log in the platform to check.
IX. Availability of physical cards
Support physical card application, the physical card is Mastercard/Visa branded and issued exclusively by Hong Kong Trust with the following features:
- Unlimited global spending and unlimited same-day ATM cash withdrawals;
- Support binding PayPal, Google Pay, Samsung Pay, Alipay, WeChat and other e-wallets;
- It is available worldwide (including mainland China) and can be used for physical store purchases and ATM cash withdrawals.
X. Characteristic highlights
- High security: Each time the card is opened, a unique card number is generated, which is not associated with the actual bank account, preventing information leakage and theft; the platform does not retain the user's login information, and there is no risk of sensitivity to blocking the number, and a refund guarantee is provided for failure;
- Privacy: No need to disclose core financial information, anonymity of transactions, customer service does not request relevant information;
- Controllable expenses: users can customize the amount of recharge, only deposited funds can be used to avoid unnecessary expenses, no credit check requirements, and high inclusiveness;
- Multi-scenario adaptation: Covering 106+ core consumption scenarios, supporting the use of more than 300 countries and regions, and adapting to the diverse needs of cross-border e-commerce, advertising, AI subscription, gaming and entertainment;
- Flexible and Convenient: Open the card and use it instantly, real-time billing, support for auto-renewal (can be manually turned off), full refund for subscription failure (1-3 working days to the account);
- Compliance Assurance: Holding MSB financial license, operational compliance is clearly supported;
- Tiered Pricing: Different card types are suitable for different spending limits, ranging from 5,000USD to 1,000,000USD per month, to meet the differentiated needs of individual and corporate users.
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