With Zypto, you can spend USDT in the real world. Load it onto a card, pay a bill, buy a gift card, pay like a local in Brazil or Colombia straight from your wallet, or turn it into phone credit, all from the one app, all without a bank account in the way.
Spend in store and online, with your crypto cards
Load your USDT onto a Zypto crypto card and it converts to local currency the moment you load it, already settled well before checkout. From there, use your crypto for real-world spending wherever Visa is accepted. The Physical card pays in person, tap or insert; the Virtual card is 3D Secure, and pays online or at POS too, on top of Apple Pay and Google Pay.
Both carry a $0 monthly fee, and the Physical card carries a $1,000,000 monthly spend limit that’s big enough for the big purchases and simple enough for your morning coffee. Top it up again in Zypto App whenever you need to, straight from USDT. See the full range on the Zypto crypto cards page.
Pay a real-world bill
Zypto’s Crypto Bill Pay service reaches 87,000+ billers across 120+ countries, and USDT is one of the 100+ cryptocurrencies it accepts. Open Bill Pay in Zypto App or on Zypto.com, search for your biller, from credit cards and utilities to mobile plans and insurance, and pay straight from your USDT balance. Pay from your Zypto wallet, any external wallet or exchange, through the KuCoin Pay integration, or top up the payment with ZYPs. See the full list on the Pay Bills With Crypto page.
Buy a gift card
Turn your USDT into a gift card for thousands of top brands, across fashion, travel, sports, and gaming, from Disneyland Paris to Arsenal Football Club to Candy Crush. Pick a brand and pay straight from your Zypto wallet, no bank card or bank transfer needed, at no extra cost. Fund it instead from an external wallet or exchange for a small additional fee. ZYPs and KuCoin Pay both work here too. Availability varies by country, so open Zypto App to see what’s live where you are. Browse the full range on the gift cards page.
Pay like a local, in Brazil and Colombia
Hold USDT in Zypto App and you can already pay like a local in two countries: Brazil over Pix, Colombia over Nequi. Tap Exchange, choose Pay Abroad, then scan the merchant’s barcode or paste a Pix key, and your stablecoin lands as BRL or COP in 3 to 30 seconds. No local bank account’s needed, and the merchant never has to touch crypto. USDT covers Solana and Celo for this one; USDC covers all three chains, Stellar included. More countries are on the way. See where it works on the Pay Abroad page.
Top up a phone
USDT also covers mobile credit. Zypto App reaches 800+ operators across 170+ countries, including networks like T-Mobile and Vodafone, and most top-ups land in under a minute depending on the blockchain you choose. There’s no code to redeem: the credit goes straight to the number you enter, yours or someone else’s, anywhere in the world. Details on coverage and supported networks are on the mobile top-ups page.
One wallet, this many ways to spend
Zypto App accepts 100 different cryptocurrencies, including USDT, across a wide range of blockchains, and every option above runs on the same self-custodial balance: your USDT, your keys, nobody else holding funds in between. New to USDT? Start with What Is USDT (Tether)?, or dig into what you can spend your crypto on for the fuller picture.
Free Your Money. With Zypto.
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