If you hold crypto, you know the small daily friction: your money sits in a wallet, but the world still runs on cards. To pay for an ad account, a flight, a subscription or a SaaS tool, you cash out to a bank first — extra steps, extra fees, extra waiting.

Guiri Pay removes that middle step. It's a virtual Mastercard you fund with crypto and pay with from your phone — and the whole thing lives inside a Telegram bot. No separate app to install, no branch visit, no paperwork marathon. You open a chat you already use every day, and a few taps later you have a working card.

what it is

Your crypto, ready to spend — from Telegram

At its core, Guiri Pay is a EUR-denominated virtual Mastercard backed by your crypto balance. You top it up with digital assets — USDT (TRC-20), USDC, BTC, ETH, TRX and 30+ others — and the platform converts to EUR at the live rate when you load the card. Then you add that card to Apple Pay or Google Pay and tap to pay like any other card.

What makes it different from a web dashboard is the delivery: everything is native to Telegram. Onboarding, identity check, top-ups, issuing a card, viewing card details, adding it to your phone wallet — all of it runs through the bot. Same functionality you'd expect from a full web platform, just packaged where it's faster and more intuitive: in the messenger. For a crypto-native, Telegram- and TON-heavy audience, that's a much shorter path from "I have USDT" to "I just paid."

how it works

Start to first tap

1
Open the botLaunch Guiri Pay in Telegram and create your account.
2
VerifyPass a quick KYC with any valid ID — usually about 5–10 minutes.
3
Top up with cryptoSend USDT, USDC, BTC, ETH or TRX. Conversion to EUR is automatic, at the live rate.
4
Issue your cardYour virtual Mastercard is created in minutes. Hold more than one card per account if you like.
5
Add to Apple Pay / Google Pay and payDrop the card into your phone wallet and tap.

Three beats, really: top up, tap, done.

what it costs

No hidden fees, no subscription games

Fees

Card issuance€6 one-time

Monthly fee€1

Crypto top-up1.6%

Payments€0

In-app swap0.2%

Limits

Per transactionup to €10,000

Per dayup to €10,000

Per monthup to €100,000

Top-up / monthup to €100,000

ATM / dayup to €2,000

Issuance and top-ups are paid in the crypto asset you choose, at the live exchange rate.

where it works

Built for how crypto people spend

Online stores, goods & deliveries — shop and pay for orders and deliveries across many merchants and marketplaces.
Subscriptions & digital — streaming, apps, games, media, software, AI tools.
Travel — flights, hotels, travel agencies, transport and tours.
Advertising & media buying — ad platforms and SMM spend.
Online services & SaaS — the tools you run your work on.
Freelance & B2B — marketplaces, contractors and professional services.

It's built for online, digital and travel spending — which, for most people holding crypto, is where the money actually goes.

who it's for

Made for digital-first money

Media buyers & arbitrage teams paying for ad accounts and tools straight from USDT.
Digital nomads & travelers covering flights and hotels in EUR while savings stay in crypto.
Freelancers & agencies who earn in crypto and spend it on subscriptions and services without a bank detour.
TON / Telegram-native users who'd rather do all of this in the messenger than in yet another app.

safety

Security & compliance

KYC/AML in tiers, with ID verification before a card is issued.
2FA on your account — email codes or an authenticator app (TOTP).
Custodial balance you can withdraw at any time, plus OTP confirmation on card operations.
Cards are issued through a licensed EU partner.

questions, answered

FAQ

How do I get a card?

Open the Guiri Pay bot in Telegram, pass a quick KYC, top up with crypto, and issue the card in the bot. The whole flow is usually 5–15 minutes.

Which crypto can I use?

USDT (TRC-20), USDC, BTC, ETH, TRX and more — the full list of supported assets shows up in your Guiri Pay balance after sign-up.

Where can I pay?

Across many online stores, goods and deliveries, plus subscriptions, digital services, travel, advertising and professional services. Acceptance can vary by merchant category.

What's the top-up fee?

1.6% on every crypto top-up, whether you pull from your Guiri Pay balance or send from an external wallet. Payments themselves carry no per-transaction fee.

Does it work with Apple Pay and Google Pay?

Yes — add the virtual card to your phone wallet after issuance and tap to pay.

Can I have more than one card?

Yes, multiple cards per account — useful for separating personal, travel and business spend.

Is my crypto safe?

Your balance stays in your Guiri Pay wallet, protected by 2FA and KYC, and you can withdraw any time.

Start Guiri Pay in Telegram →