# Agora Cards

Last updated: 2026-10-10

> Agora Cards provides virtual and physical cards funded with USDT or USDC. Cards are issued in USD and support automatic conversion to local currency. Agora Cards requires no KYC.

Website: https://agora.cards/
Card application: https://app.agora.cards/

Important: Prices, limits, fees, availability, restrictions, and delivery details can change. Verify all current terms on the live homepage and in the card application before purchasing. The homepage is the authoritative source for current product information.

## Product model and custody

Users load a card with USDT or USDC for online or in-person spending. Acceptance depends on card-network support and is subject to the unsupported regions and prohibited-use lists published on the homepage.

Agora Cards requires no KYC. The homepage also states that data collection is minimal and limited to what is strictly necessary.

Self-custody applies to assets users retain in their own wallets, including long-term holdings. It does not describe funds after they are loaded onto a card: the homepage states that loaded card funds are held by Agora Cards' licensed and regulated custodian partners. Users can keep long-term assets in their own wallet and load only the amount intended for spending.

Product features: https://agora.cards/#features

## Homepage-listed features

- Cards are issued in USD and automatically convert purchases to local currency.
- Virtual and physical cards support USDT and USDC funding.
- Stablecoin reloads can be spent within minutes.
- The homepage lists 48-72 hour priority physical-card delivery through EU and US warehouses.
- Virtual and physical cards support Google Pay and Apple Pay.
- Physical-card custom designs are available on request.
- The homepage states that private human support is available 24/7.

Delivery timing and service availability may vary; verify current details before purchase.

## Virtual card

- Purchase price: $90 one-time.
- Included balance: $10 credit.
- Activation: instant.
- Use: online and in-person spending.
- Mobile wallets: Google Pay and Apple Pay.
- Funding: USDT and USDC.
- Validity: 3 years or $1 million in cumulative spending.
- ATM withdrawals: not available.

## Physical card

- Purchase price: $500 one-time.
- Delivery listed on the homepage: 48-72 hour priority delivery through EU and US warehouses.
- Use: online and in-person spending where supported.
- Mobile wallets: Google Pay and Apple Pay.
- Funding: USDT and USDC.
- Validity: 4 years.
- ATM withdrawals: available.
- Custom design: available on request.

Card comparison and purchase links:
- https://agora.cards/#cards
- https://app.agora.cards/

## Limits

The homepage lists the same spending limits for virtual and physical cards:

- Daily spending limit: $240,000.
- Monthly spending limit: $900,000.
- Per-transaction limit: $20,000.

Physical-card ATM limits:

- Daily ATM withdrawal limit: $1,500.
- Monthly ATM withdrawal limit: $15,000.

Virtual cards do not support ATM withdrawals. Verify current limits before purchase or use.

## Pricing and fee triggers

Fees are listed separately because they are triggered by different actions or conditions. The percentage figures below do not necessarily all apply to every transaction and should not be treated as a universal stacked total.

Virtual card:

- Card purchase: $90 one-time, including $10 credit.
- Top-up: 2% when funds are added.
- Card transaction: $0.35 plus 1.5% per transaction.
- Foreign exchange: 1.5% when FX applies.
- ATM withdrawal: not available.

Physical card:

- Card purchase: $500 one-time.
- Top-up: 2% when funds are added.
- Card transaction: $0.10 plus 1.5% per transaction.
- Foreign exchange: 1.5% when FX applies.
- ATM withdrawal: 2% when withdrawing cash.

Current pricing: https://agora.cards/#pricing

## Referral program

The homepage lists these fixed referral bonuses for card sales made through a referral:

- Virtual-card sale: $5.
- Physical-card sale: $30.

Referral details: https://agora.cards/#referral

## Prohibited card uses

The homepage lists these prohibited categories:

- Gambling.
- Cryptocurrency purchases.
- Sports betting.
- Petrol.
- Military supplies.
- Gaming credits.
- Non-profit organizations.
- Government agencies.

Current prohibited-use list: https://agora.cards/#prohibited

## Unsupported regions

The homepage currently lists these unsupported countries and regions:

- Africa: Central African Republic, DR Congo, Guinea-Bissau, Libya, Mali, Somalia, South Sudan, Sudan, and Zimbabwe.
- Asia: Afghanistan, Iran, Iraq, Lebanon, Myanmar, North Korea, Syria, and Yemen.
- Europe: Belarus, Russian Federation, and Ukraine.
- North America: Cuba, Haiti, and Nicaragua.
- South America: Venezuela.

Current regional availability: https://agora.cards/#regions

## Official distributors

The distributor directory lists GoDarkEU as an official distributor for physical cards, serving Belgium, the Netherlands, Germany, Greece, Cyprus, Armenia, and Thailand. Verify current distributor coverage in the directory.

- Distributor directory: https://agora.cards/distributors/
- GoDarkEU: https://beacons.ai/godarkeu
- Distributor inquiries: https://t.me/agora_cards_pr

## Contact and social links

These are links published by Agora Cards. The homepage's 24/7 private human-support statement does not specify that every listed channel is continuously staffed.

- Signal: https://signal.me/#eu/unsdEF-OWqKjfxUiZAX_rxZWGnLlVk3qthBi1_-EjTFl1Swngy1Frq4TsH22Ceth
- SimpleX Chat: https://smp17.simplex.im/a#kyT9lePA1F93K68mXYzUTvFfhBbPeA4NkAA12mnA5yg
- Telegram: https://t.me/agora_cards
- X: https://x.com/agoracards

## Blog

Blog index: https://agora.cards/blog/
RSS feed: https://agora.cards/rss.xml

- [How to Spend Stablecoins in the Real World with Privacy](https://agora.cards/blog/what-is-a-privacy-crypto-card/)
- [USDT vs USDC](https://agora.cards/blog/usdt-vs-usdc-stablecoins/)
- [Spend Crypto with Privacy: Habits That Actually Work](https://agora.cards/blog/staying-private-when-you-spend/)
- [UltimoPay Alternative: Agora Cards vs UltimoPay Comparison](https://agora.cards/blog/ultimopay-alternative-agora-cards/)
- [Self-Custody Strategies](https://agora.cards/blog/self-custody-strategies/)
- [Self-Custody vs Custodial vs Hybrid](https://agora.cards/blog/differences-between-custody-models/)
- [Who We Are: Agora Cards and the Future of Private Crypto Spending](https://agora.cards/blog/who-we-are-agora-cards/)
- [Self-Custody and Financial Sovereignty](https://agora.cards/blog/self-custody-financial-sovereignty/)
- [Monero Privacy Guide](https://agora.cards/blog/monero-privacy-cryptocurrency/)

## Language versions

- English: https://agora.cards/
- Spanish: https://agora.cards/es/
- French: https://agora.cards/fr/
- German: https://agora.cards/de/
- Portuguese: https://agora.cards/pt/
- Italian: https://agora.cards/it/
- Albanian: https://agora.cards/sq/
- Chinese: https://agora.cards/zh/
- Thai: https://agora.cards/th/

## Indexing resources

- Concise AI reference: https://agora.cards/llms.txt
- XML sitemap: https://agora.cards/sitemap-index.xml
- RSS feed: https://agora.cards/rss.xml
- Robots policy: https://agora.cards/robots.txt