Comparison date: 10 October 2026. Crypto-card terms can change quickly. This article states Agora’s approved product details and provides a framework for comparing them with UltimoPay. It does not make claims about UltimoPay’s regulatory status, service history or customer outcomes because those points should be verified from the competitor’s current official terms.
Before choosing either service, obtain UltimoPay’s latest fee schedule, supported assets and networks, card limits, eligibility rules, custody terms and delivery estimates directly from UltimoPay. Screenshots, forum posts and old reviews are not a reliable substitute for current contractual information.
Agora card options
| Feature | Agora virtual card | Agora physical card |
|---|---|---|
| One-time price | $90, including $10 credit | $500 |
| Validity | 3 years or $1 million in spending | 4 years |
| Issuance or shipping | Instant activation | 48–72 hour shipping via EU and US warehouses |
| ATM withdrawals | Not available | Available |
| Supported top-up assets | USDT and USDC | USDT and USDC |
Delivery timing can depend on destination and courier conditions. Mobile-wallet support is offered, but actual Apple Pay or Google Wallet eligibility depends on the issuer, device and region. Apple lists participating-country requirements, while Google notes that banks and issuers decide which cards work.
Agora fees
| Fee | Virtual | Physical |
|---|---|---|
| Top-up | 2% | 2% |
| Card transaction | $0.35 + 1.5% | $0.10 + 1.5% |
| Foreign exchange | 1.5% | 1.5% |
| ATM withdrawal | Not available | 2% |
Blockchain fees, exchange withdrawal charges, currency conversion and ATM-operator surcharges can affect the final cost. Percentage fees also apply to different events, so adding them into one headline percentage may misrepresent a particular transaction. Use the current pricing section and calculate the exact scenario you expect.
Agora limits
Both cards allow up to $20,000 per transaction, $240,000 per day and $900,000 per month. The physical card has separate ATM limits of $1,500 per day and $15,000 per month. The virtual card has no ATM access.
For UltimoPay, verify whether quoted limits apply to purchases, transfers, cash withdrawals or an entire account. Also ask whether limits vary by country or verification level. A high published ceiling is useful only if it covers the transaction type you need.
Privacy and custody
Agora states that it collects only what is strictly necessary. That is not a promise of anonymity: blockchain transfers, card payments and compliance processes create records. Compare UltimoPay using its current privacy notice and onboarding flow rather than assuming what information it requests.
Agora users can retain long-term holdings in a self-custodied wallet, but funds loaded onto the card are held by licensed and regulated custodian partners. Ask both providers who holds loaded funds, what account or wallet structure is used, and what happens if a card is suspended or expires. No card product eliminates counterparty risk.
Availability and permitted use
Agora is intended for locations where major card networks are supported, subject to its unsupported regions, merchant acceptance and compliance controls. Prohibited categories are gambling, cryptocurrency purchases, sports betting, petrol, military supply, gaming credits, non-profit organizations and government agencies.
These restrictions may be decisive for some users. Compare the competitor’s current merchant-category restrictions as carefully as its fees.
A defensible decision process
- Download or request both providers’ current terms on the same day.
- Calculate acquisition, top-up, purchase, FX, ATM and third-party fees for your own monthly pattern.
- Confirm supported asset and blockchain combinations before transferring funds.
- Check your country, intended merchant categories and mobile-wallet eligibility.
- Understand custody and dispute procedures, then keep only an appropriate spending balance with the provider.
Agora may be attractive when its stated pricing, USDT/USDC support, limits and minimal-data approach match your needs. UltimoPay may differ in ways that matter to you, but its current official documentation must supply that side of the comparison. A dated, evidence-based review is more useful than allegations or a universal “winner.”