Agora Cards provides virtual and physical cards funded with USDT or USDC. The purpose is straightforward: let users keep long-term holdings in their own wallets, then move an appropriate amount into a card balance for everyday payments.
We describe the service as privacy-focused because we collect only what is strictly necessary. That does not mean card use is anonymous. Stablecoin transfers occur on blockchains, and card transactions involve custodians, issuers, payment networks and merchants.
The two cards
The virtual card costs $90, including $10 in card credit. It activates instantly and is valid for three years or $1 million in spending. It supports online and in-person mobile-wallet payments but not ATM withdrawals.
The physical card costs $500 and is valid for four years. It can be customized on request and supports card-present purchases and ATM withdrawals. Shipping is advertised at 48–72 hours through EU and US warehouses, although destination and courier conditions can affect delivery.
Apple Pay and Google Wallet support is offered for both cards, subject to the wallet provider’s country, device and issuer eligibility requirements. A card cannot be guaranteed to work at every terminal or in every wallet configuration.
Limits and fees
Both cards have purchase limits of:
- $20,000 per transaction;
- $240,000 per day; and
- $900,000 per month.
The physical card’s ATM limits are $1,500 daily and $15,000 monthly. Virtual-card ATM withdrawals are unavailable.
Top-ups cost 2%. A virtual-card purchase costs $0.35 + 1.5%; a physical-card purchase costs $0.10 + 1.5%. Foreign exchange costs 1.5% when applicable, and physical ATM withdrawals cost 2%. Network fees and third-party ATM surcharges may also apply. See transparent pricing before loading funds.
How custody works
Agora supports a segmented custody strategy, not self-custody of the card balance. Assets stay under the user’s keys while they remain in a personal wallet. Once loaded to a card, funds are held by licensed and regulated custodian partners.
This boundary allows card processing but introduces counterparty risk. We therefore encourage users to regard the card as a spending tool, keep long-term holdings in self-custody and load only what they reasonably expect to use. Read Self-Custody and Financial Sovereignty for the broader framework.
Privacy without overstatement
Our approach is to minimise collection rather than promise that records do not exist. Necessary information may still be processed to issue and operate the card, support transactions and meet legal obligations. Sensible user practices include securing wallet and card credentials, verifying deposit networks and avoiding disclosure of seed phrases or private keys.
Where the cards can be used
The cards are designed for use where the relevant major card network is supported. Actual acceptance depends on the merchant, terminal, region and programme controls. Review the unsupported regions before ordering or travelling.
Prohibited categories are gambling, cryptocurrency purchases, sports betting, petrol, military supply, gaming credits, non-profit organizations and government agencies. These restrictions are part of the product, not optional privacy advice.
What Agora is, and is not
Agora is a bridge between supported stablecoins and card payments. It is not a long-term wallet, a guarantee that every merchant will accept a transaction, or a way to remove the records created by public blockchains and payment networks.
The strongest use case is disciplined separation: self-custody for savings, regulated custody for a limited spending balance, and clear awareness of fees and restrictions before each top-up.