Yodl Pay
Sovereign QR Rails · LATAM & Southeast Asia (Argentina, Brazil, Philippines, Vietnam, Colombia, Bolivia, Peru) · personal
Self-custodial local QR payment super-app bypassing card interchange via Pix, VietQR, QRPh & Mercado Pago
Is Yodl Pay worth it?
Yodl Pay is a self-custodial payment app that bypasses legacy Visa/Mastercard interchange entirely by routing stablecoins across 7 EVM chains directly into sovereign national QR rails—including Brazil's Pix, Vietnam's VietQR & MoMo, the Philippines' QRPh/GCash/Maya, and Argentina's Mercado Pago. Quick Pay works instantly without KYC for smaller transactions, while Pro Pay (KYC) unlocks higher limits and best-execution FX routing.
Pros
- Bypasses card networks to pay any Pix, VietQR, QRPh or Mercado Pago merchant directly
- Quick Pay works instantly with No-KYC up to starter limits
- Gas fees sponsored on Arbitrum, Base, Polygon, Optimism, BNB Chain & Gnosis
Cons
- QR-rail payout app rather than a physical plastic POS card
- Live merchant QR payout limited to LATAM and SEA corridors
Fees, limits & requirements
- Issuance fee
- Free
- One-time card creation
- Annual fee
- None
- Monthly fees included where applicable
- Crypto top-up
- 0%
- 0%
- FX fee
- 0.8%
- Spread in quote
- ATM fee
- 0%
- Pays local merchants & cash agents directly via sovereign QR rails
- Max daily spend
- $5,000
- Subject to KYC tier and issuer limits
- Monthly ATM limit
- No ATM access
- Pays local merchants & cash agents directly via sovereign QR rails
- KYC
- Light KYC
- No-KYC for Quick Pay; Light KYC for Pro Pay higher limits
- Custody
- Self-custody
- Funds remain in your wallet until settlement
- Card network
- Visa
- debit card · issued by Sovereign QR Rails
Supported crypto & networks
Where is Yodl Pay available?
Availability lists change frequently. Confirm eligibility with Sovereign QR Rails before applying.
Yodl Pay — common questions
Is Yodl Pay available in United States?+
United States is not on Yodl Pay's published availability list. The card is currently offered in LATAM & Southeast Asia (Argentina, Brazil, Philippines, Vietnam, Colombia, Bolivia, Peru); availability can change, so confirm with Sovereign QR Rails before applying.
What fees does Yodl Pay charge?+
Yodl Pay has no issuance fee, no annual fee, a 0% crypto top-up fee and a 0.8% FX fee. ATM withdrawals cost 0%. Spread in quote
Does Yodl Pay support Apple Pay and Google Pay?+
Yodl Pay does not currently list mobile wallet support. You will need to use the physical card or card details directly.
Is Yodl Pay self-custody?+
Yes. Yodl Pay is non-custodial: your assets stay in your own wallet until the moment of settlement. You remain responsible for key management and wallet security.
How does Yodl Pay cashback work?+
Yodl Pay offers Up to 1% cashback. Rewards are paid in USDC. Staking requirement: None (streak rewards for everyday QR payments). 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.