Published on 31 Aug 2026. Fees, limits, countries and features can change after a post is published. For the current state see the card page and the help center.
Corrected on 12 Nov 2026. The Basic monthly limit for card payments is $100,000 (the post first said $125,000). Two tables were removed: a price table that showed the old limit and a comparison with another card that had no source. Google Pay and the five-minute setup claim were removed because the current app does not confirm them. The card is available in 175+ countries today (172 at launch), and Premium is listed in the app but cannot be ordered yet. The list of awards now matches the sources linked on the homepage.
THORWallet is a self-custodial crypto wallet that enables native swaps between assets on different blockchains without requiring a centralized exchange.
Since 2021, users have swapped more than $2.5 billion through the app, which supports more than 20,000 tokens and a broad range of native cross-chain routes.
THORWallet was a regional winner of the Startup World Cup in 2022, was selected for Venture Leaders Fintech in 2023, joined the Cointelegraph Accelerator and earned a 4.7-star App Store rating from more than 3,000 reviews.
The Last Mile Stayed Broken
For five years, crypto had a broken final step. Users could hold assets in self-custody and swap them across chains without an intermediary. But at checkout, they often had to transfer funds to a centralized provider, give up custody, and accept the risk of account restrictions. The industry built self-custody for saving, then quietly surrendered it when it came time to spend.
Many crypto cards have required the same trade-off: convenience in exchange for custody. That is not self-custodial crypto with extra steps. It is banking with extra steps.
The THORWallet Card is designed to remove that detour.
From Wallet to Checkout
The THORWallet Card is live, closing the loop between self-custodial swaps and everyday spending.
Users can take a supported asset on a major chain, including Bitcoin, Ethereum (ETH), Solana (SOL) and thousands of others, and swap it natively to USDC (USDC) inside their wallet. No bridge. No wrapped token. No centralized exchange. No intermediary that can block or freeze the trade. They can then top up the card with a 0% top-up fee and tap it wherever Mastercard is accepted.
BTC on Sunday night can become coffee on Monday morning. Until card top-up, the funds remain in the user’s self-custody.
Two Tiers, No Subscriptions
Basic is built for getting started. It is free with an invite code or costs a one-time $5 without one. The tier includes a virtual Mastercard, a $100,000 monthly limit for card payments, 0% top-up fees on USDC and 24/7 chat support.
Premium is planned for more active users. It costs a one-time $99 with an invite code or $124 without one, with no subscription. The tier adds a physical card, 0.5% cashback in USDC on the first $5,000 of card spend per month, priority support, and monthly limits that can be increased on request, subject to verification.
Pricing is upfront and one-time, with no monthly fee eating into the balance or premium plan renewing in the background.
An Upgraded Card Experience
Existing cardholders can continue using their current cards, which remain active and unchanged. THORWallet has rebuilt the program around three upgrades:
- Lower costs: A revised pricing structure reduces costs for users.
- Expanded reach: Availability has grown to 172 countries at launch.
- Faster, more flexible KYC: The updated process supports additional forms of identification beyond passports. Approval times remain subject to verification.
Available in 172 countries at launch
At launch the THORWallet Card is available in 172 countries, including the United States. Once issued, it can be used wherever Mastercard is accepted, subject to eligibility and regional restrictions.
That reach is deliberate. Crypto users are not concentrated in one or two wealthy markets. They include freelancers invoicing across borders, digital nomads moving between time zones, and users in regions established providers have overlooked.
The app travels too. THORWallet is available in multiple languages, and the full country list is available on its website.
Custody until you top up
One key difference from custodial cards: funds remain in the user’s own wallet until the card is topped up.
Putting Crypto to Use
For five years, THORWallet has worked to ensure no intermediary stands between users and the assets in their wallets. The card extends that approach to the checkout counter: swap natively, hold in self-custody until top-up, and spend wherever Mastercard is accepted.
Crypto was not built to remain a number on a screen. The THORWallet Card is designed to turn it into something users can spend.
Eligible users with an invite code can get the Basic card for free. Plans, fees and the country list are on the card page.
Swap anything. Spend anywhere. The THORWallet Card is live.
- Swap BTC, ETH, SOL and thousands more natively to USDC in your wallet
- 0% top-up fee, tap at Mastercard terminals worldwide
- Live in 172 countries at launch, including the USA.
First published on Medium.