# Agora Cards

Last updated: 2026-10-31

> 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 cards

Two virtual cards are offered: Virtual Card Basic and Virtual Card Plus.

Virtual Card Basic:

- 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.

Virtual Card Plus:

- Purchase price: $100 one-time.
- Included balance: $10 credit.
- Everything in Virtual Card Basic, with higher limits.
- Validity: 4 years, with no spending-based expiry.
- ATM withdrawals: not available.
- Not available in Morocco, the United States, Bangladesh, India, or Turkey.

## Physical Card Plus

- Purchase price: $550 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.
- Not available in Morocco, the United States, Bangladesh, India, or Turkey.

Card comparison and purchase links:
- https://agora.cards/#cards
- https://agora.cards/cards/virtual-card-basic/
- https://agora.cards/cards/virtual-card-plus/
- https://agora.cards/cards/physical-card-plus/
- https://app.agora.cards/

## Limits

Virtual Card Basic spending limits:

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

Virtual Card Plus and Physical Card Plus spending limits:

- Daily spending limit: $900,000.
- Monthly spending limit: none (unlimited).
- Per-transaction limit: $60,000.

Physical Card Plus ATM limits:

- Daily ATM withdrawal limit: $3,000.
- Monthly ATM withdrawal limit: $80,000.

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 Basic:

- 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.

Virtual Card Plus:

- Card purchase: $100 one-time, including $10 credit.
- Top-up: 2.5% 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 Plus:

- Card purchase: $550 one-time.
- Top-up: 2.5% 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.

Virtual Card Plus and Physical Card Plus are additionally not available in these countries (Virtual Card Basic remains available):

- Morocco, United States, Bangladesh, India, and Turkey.

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 (per-language feeds at /<lang>/rss.xml, e.g. https://agora.cards/de/rss.xml)
Frequently asked questions: https://agora.cards/#faq

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- [Crypto Card Fees Explained: Top-Up, Transaction, FX and ATM](https://agora.cards/blog/crypto-card-fees-explained/)
- [Using a Crypto Card While Travelling: A Practical Guide](https://agora.cards/blog/crypto-card-for-travel/)
- [Pay with Crypto via Apple Pay and Google Pay: How It Works](https://agora.cards/blog/apple-pay-google-pay-crypto-card/)
- [Why Was My Crypto Card Declined? 10 Common Reasons and Fixes](https://agora.cards/blog/why-crypto-card-declined/)
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- [Is a Crypto Card Safe? A Security Checklist for Stablecoin Spenders](https://agora.cards/blog/crypto-card-security-checklist/)
- [How to Load a Crypto Card with USDT or USDC: A Beginner's Guide](https://agora.cards/blog/how-to-load-crypto-card-beginners/)
- [Crypto Cards for Freelancers: Spending Stablecoin Income Day to Day](https://agora.cards/blog/crypto-card-for-freelancers/)
- [How to Pay Online Subscriptions with USDT or USDC](https://agora.cards/blog/pay-subscriptions-with-crypto/)
- [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