Coin98 Fusion Card

The Coin98 Fusion Card is a Visa crypto payment card linked to Coin98 Super Wallet. It lets eligible users top up the card with supported crypto and then spend through the Visa network for online, in-store and mobile-wallet payments.

The card is powered by Coin98, Visa and DCS Card Centre. Coin98 positions it as a bridge between an on-chain wallet and everyday payments rather than a conventional bank debit card.

The current product is focused on selected Asia-Pacific markets. Users can fund the card with supported USDT and USDC networks, while the merchant receives a standard Visa payment. Physical cards are still described as coming soon, so the main live experience remains virtual.

You apply through Coin98 Super Wallet, complete KYC and then top up the Fusion Card with a supported stablecoin. The card balance is used for ordinary Visa payments, so merchants do not need to accept crypto themselves.

Coin98 currently lists USDC on Solana and Ethereum, and USDT on Tron, Solana and Ethereum, among the main supported top-up routes. Once funded, the card can be used online and through Apple Pay or Google Pay where supported.

The important distinction is that your wider Coin98 wallet can hold many assets across many networks, but the card accepts a narrower set of funding assets. Check the live top-up screen before sending a token solely for card use.

Coin98 Super Wallet is designed as a self-custodial wallet, but the Fusion Card balance itself uses third-party card infrastructure once crypto is topped up for spending.

That means users can keep assets in their own Coin98 wallet until they decide to move value into the card programme. After top-up, the card balance is handled through the Visa and DCS Card Centre payment infrastructure rather than remaining a normal on-chain wallet balance.

For users who prioritise self-custody, this is still different from leaving all funds on a centralised exchange. However, it is more accurate to describe the Fusion Card as self-custody-friendly rather than fully self-custodial from wallet through merchant settlement.

The Coin98 Fusion Card is powered in partnership with DCS Card Centre and Visa. Coin98 provides the wallet and card experience, while DCS Card Centre supplies the regulated payment-card infrastructure behind the programme.

This separation matters because Coin98 itself is primarily a Web3 wallet platform rather than a traditional bank or card issuer. The issuer and card partner terms determine payment processing, KYC, card limits and certain dispute procedures.

When reviewing protections or programme changes, use the card terms shown during onboarding as well as Coin98's own documentation. The August 2026 migration from the Visa SGD programme to a Visa USD programme also shows why the underlying card partner structure can materially affect users.

Coin98 currently highlights stablecoins as the main card-funding assets. The public Fusion Card page lists USDC on Solana and Ethereum and USDT on Tron, Solana and Ethereum.

Coin98 has also run campaigns allowing users to open or interact with Fusion Card using ecosystem tokens on specific networks, but promotional token support should not be confused with the permanent top-up list.

Before sending funds, confirm both the token and blockchain shown in the Fusion Card top-up screen. Coin98 Super Wallet supports far more assets and chains than the card programme, so a token being supported by the wallet does not automatically mean it can fund the card.

Coin98 currently lists a one-time $9 activation fee for the Fusion Card, with no monthly or annual fee. Promotional campaigns have temporarily waived the $9 fee, but those offers should not be treated as the normal permanent price.

Coin98 also states that some ATM or crypto-conversion fees can apply. The exact conversion cost depends on the funding asset and current programme terms, so users should review the amount displayed before topping up.

For comparison purposes, separate the one-time card-opening cost from the ongoing cost of converting crypto and any future ATM use. Coin98 markets the card as having low conversion fees and no hidden annual charges, but the live checkout and top-up screens remain the best source for current pricing.

Coin98 has offered cashback and card-opening rewards through limited campaigns, but it does not currently publish one permanent universal cashback percentage for all Fusion Card purchases.

Past campaigns included cashback milestones, welcome bonuses and promotional fee waivers. Those campaigns had fixed dates, participant caps and eligibility rules, so older reward percentages should not be treated as ongoing card benefits.

For a current comparison, treat cashback as promotional unless Coin98 shows an active programme in the app or on the Fusion Card page. If rewards are important to you, check the campaign period, spending requirement, cap and payout asset before applying.

The Fusion Card is currently limited to selected Asia-Pacific markets. Coin98's current product page lists Singapore, Malaysia, Thailand, the Philippines, Vietnam, Japan, South Korea, Taiwan and Australia.

Applicants need to use Coin98 Super Wallet, sign up with a phone number and complete the required KYC process before the card can be issued.

The wider Coin98 wallet is available in many more countries than the Fusion Card. This means being able to download or use Coin98 does not automatically make you eligible for the card. Check the live application screen before moving stablecoins specifically for card use.

Yes. Coin98's current Fusion Card page says the card is compatible with both Apple Pay and Google Pay in supported markets.

This allows eligible users to add the virtual Visa card to a compatible phone or device and make contactless payments without waiting for a physical card. Mobile-wallet payments use the same underlying Fusion Card balance and fee structure as ordinary card transactions.

Availability can still depend on the country, issuer rules and device. If the card cannot be added, confirm that your Fusion Card programme and local Apple Pay or Google Pay service are supported before assuming the card itself is faulty.

Coin98 has designed a physical Fusion Card and says worldwide shipping is planned, but the public product page still labels the physical card as coming soon.

For now, users should treat the virtual Visa card as the main generally available form of the product. The virtual card can be used online and through Apple Pay or Google Pay where supported.

Do not assume physical delivery or ATM functionality is live simply because promotional images show a plastic card. If a physical-card ordering option appears in your app, review the delivery fee, supported destination and ATM terms attached to that specific rollout.

In August 2026, Coin98 announced that existing Fusion Cards were being migrated from a Visa SGD programme to a Visa USD programme because of a card-service-provider update and card-scheme requirements.

Existing Visa SGD cardholders had to choose whether to migrate or request a refund by 12 August 2026. Coin98 warned that cards could be closed if no response was submitted by the deadline.

This migration is important for current users because older screenshots, balances and fee assumptions based on the SGD programme may no longer apply. New users should rely on the current Visa USD onboarding terms shown in Coin98 rather than historical reviews of the original SGD card.

Yes. Coin98 says Fusion Card can be used wherever Visa is accepted, including online purchases, physical merchants and international transactions.

The card is designed for global spending even though card application is currently limited to selected APAC residents. This distinction matters because merchant acceptance is much broader than onboarding eligibility.

International use can still involve conversion costs, merchant restrictions and issuer controls. If a merchant or ATM offers its own currency conversion, compare the rate before accepting. Coin98 markets the card as having low conversion fees, but the exact rate should be checked in the app for the transaction or top-up involved.

Coin98 promotes ATM withdrawals as a feature of its physical Fusion Card, but the physical card is still described publicly as coming soon.

That means users should not assume normal ATM access is available with the current virtual card. A virtual card may work for online and mobile-wallet payments, but standard cash machines normally require a physical or specifically supported cardless-ATM credential.

If physical-card rollout becomes available in your market, check the current ATM fee and withdrawal limits before relying on it for cash. Coin98's product page already notes that ATM fees may apply.

Open Coin98 Super Wallet, access the Fusion Card section and start the application. You need to sign up with your phone number, complete KYC and be resident in a supported market.

After approval, pay the current activation fee if one applies and top up the card using an enabled stablecoin and network. The virtual card can then be used for Visa payments and added to Apple Pay or Google Pay where supported.

Before sending funds, verify the exact token and blockchain shown on the top-up screen. Use only the official Coin98 app and website for card application and KYC.

For Fusion Card questions, use Coin98's official support channels and Help resources linked from Coin98 Super Wallet. Coin98's August 2026 migration notice specifically directs cardholders to its official live chat at https://livechat.coin98.com for card-programme assistance.

For a card payment issue, keep the merchant, amount, date and transaction status available. For a crypto top-up issue, keep the asset, blockchain and transaction hash ready.

Never share a seed phrase or private key with anyone claiming to be Coin98 support. The wider Coin98 wallet is self-custodial, so those credentials can control your assets. Use only support links reached through coin98.com or the official app.