Kolo
Regional Partner · 170+ countries (EEA, LATAM, APAC, CIS) · personal
Telegram mini-app & mobile MPC Visa card with 2% Bitcoin cashback and 0% stablecoin FX markup
Is Kolo worth it?
Kolo is a hybrid MPC wallet and virtual Visa Platinum card accessible via iOS/Android and a native Telegram Mini-App across 170+ countries. It offers 0% exchange markup on USDT, USDC, and EURC, direct SEPA off-ramps, and 1%–2% cashback paid in Bitcoin.
Pros
- Seamless Telegram Mini-App and mobile app onboarding
- 1%–2% cashback paid in Bitcoin
- 0% exchange markup on USDT, USDC and EURC + SEPA transfers
Cons
- 1% per-transaction payment fee (+1% at non-US merchants on USD card)
- Virtual card only
- $250–$500 single ATM withdrawal cap
Fees, limits & requirements
- Issuance fee
- Free
- One-time card creation
- Annual fee
- None
- Monthly fees included where applicable
- Crypto top-up
- 0%
- 0% (1% conv)
- FX fee
- 1%
- 0% stable (1% Visa non-USD)
- ATM fee
- 0.7%
- $1 + 0.65%
- Max daily spend
- $50,000
- Subject to KYC tier and issuer limits
- Monthly ATM limit
- $750
- $1 + 0.65%
- KYC
- Full KYC
- Full KYC via Sumsub (~1 minute)
- Custody
- Hybrid
- Issuer holds funds on your behalf
- Card network
- Visa
- debit card · issued by Regional Partner
Supported crypto & networks
Where is Kolo available?
Show all 23 supported countries
Availability lists change frequently. Confirm eligibility with Regional Partner before applying.
Kolo — common questions
Is Kolo available in United States?+
United States is not on Kolo's published availability list. The card is currently offered in 170+ countries (EEA, LATAM, APAC, CIS); availability can change, so confirm with Regional Partner before applying.
What fees does Kolo charge?+
Kolo has no issuance fee, no annual fee, a 0% crypto top-up fee and a 1% FX fee. ATM withdrawals cost 0.7%. 0% stable (1% Visa non-USD)
Does Kolo support Apple Pay and Google Pay?+
Kolo supports Apple Pay and Google Pay. You can add the virtual card to your mobile wallet after issuance.
Is Kolo self-custody?+
Kolo uses a hybrid model. Regional Partner holds the funds used for spending, which introduces counterparty risk but simplifies onboarding and recovery.
How does Kolo cashback work?+
Kolo offers 1%–2% cashback. Rewards are paid in BTC. Staking requirement: None (2% BTC back first 30 days, 1% ongoing). Cashback is modelled at the maximum published tier in our calculator.
Data note: fees, limits and availability are illustrative seed data for this build. Always confirm with the issuer. Card trademarks belong to their respective owners.