Pay3 Card
by Pay3 Ltd
Pay3 is a crypto card aggregator integrated directly into Telegram via a Mini App. It leverages the TON blockchain to allow users to spend digital assets (TON, USDT, BTC, ETH) using virtual and physical cards issued by various global partners. The platform emphasizes non-custodial management, meaning Pay3 does not hold user funds directly, and focuses on seamless 'Web2-like' payments for the Web3 ecosystem. The 'Credit Card' terminology used in their marketing likely refers to the card's acceptance mode (running on credit rails) or a specific credit-builder product, but it technically functions as a prepaid/debit instrument funded by crypto injection. P3P Points are the primary incentive mechanism currently.
Unique Features
- Telegram Mini-App First approach
- Aggregation of Visa/Mastercard issuers
- Deep integration with TON ecosystem
Pros
- Integrated directly into Telegram (Mini App)
- Aggregator model offers multiple issuer options
- Non-custodial (self-custody) focus
- Supports TON and USDT on TON natively
- No manual crypto-to-fiat conversion required by user (auto-swap)
Cons
- Fee transparency is low due to variable issuers
- Tier structure is currently vague ('Credit Card' vs 'Black')
- Physical card 'coming soon'
- Support primarily via Telegram bot
Integrations & Tech
Available In (1)
Not Available In (9)
Tier Comparison
Standard
0% CashbackFee Structure
Detailed Limits
Limits determined by specific issuer chosen in Pay3 app
Fee Details
As an aggregator, Pay3's fees vary depending on the specific card issuer selected by the user within the app. Fees are not standardized across all Pay3 cards.
Limits & Conditions
Limits are determined by the specific underlying issuer chosen during the card generation process in the Telegram app.
Crypto Capabilities
Security & Custody
Supported Assets
