What stablecoins can I use to top up the card?

The card accepts USDT and USDC on the Ethereum (ERC20) and Tron (TRC20) networks.

What does it cost to use the Masis Card?

A top-up fee of 2.75% applies to each stablecoin top-up, plus a fixed monthly account fee of USD 5.00. Visa network conversion fees may apply to non-USD transactions.

Does QuantumOcta Ltd hold or custody my crypto or card balance?

No. QuantumOcta Ltd does not custody funds, stablecoins, or the card Spending Balance at any point. Funds are held and settled through the licensed card-issuing infrastructure operated by Reap Technologies Limited and Leadtone Asia Limited.

Is the Masis Card available worldwide?

The card is available globally except in jurisdictions subject to international sanctions, FATF blacklist designation, or other jurisdictions designated as restricted by QuantumOcta Ltd, Reap Technologies Limited, or Leadtone Asia Limited.

A Visa card funded directly by stablecoins.

Top up with USDT or USDC on Ethereum or Tron. Spend anywhere Visa is accepted. Virtual card issued instantly; physical card shipped on request.

Get the card How it works

Visa Network Issued by Reap Technologies Limited Program managed by Leadtone Asia Limited Distributed by QuantumOcta Ltd, Hong Kong

Summary: Masis Card is a Visa virtual and physical card that you top up directly with USDT or USDC (Ethereum ERC20 or Tron TRC20). Top-up fee is 2.75%; the monthly account fee is USD 5.00. The card is issued by Reap Technologies Limited, a Visa principal member, under a program operated by Leadtone Asia Limited. QuantumOcta Ltd (Hong Kong, company no. 76989317) distributes the card and does not custody funds. Available worldwide except in sanctioned and FATF-blacklisted jurisdictions.

How the Masis Card works

Three regulated parties, one product: QuantumOcta Ltd manages distribution and customer relationship; Leadtone Asia Limited operates the card program technology; Reap Technologies Limited issues the Visa card and holds the Spending Balance.

1. Verify identity

Complete KYC, handled by Reap Technologies Limited as the regulated card issuer, before card issuance.

2. Top up with stablecoins

Send USDT or USDC (ERC20 or TRC20) to your assigned deposit address. Funds settle to your card Spending Balance.

3. Spend with Visa

Use the virtual card online immediately, or activate a physical card for in-person and ATM transactions, subject to your card tier limits.

Fees

All fees are disclosed upfront. Fees are deducted from the Spending Balance and are non-refundable.

Top-up fee (per stablecoin deposit)2.75%

Monthly account feeUSD 5.00

Supported assetsUSDT, USDC — ERC20, TRC20

Card typesVirtual + Physical

Spend / load limitsSubject to account tier

FX / international transactionsVisa network rate + conversion margin

Frequently asked questions

Who issues the Masis Card?

The card is a Visa card issued by Reap Technologies Limited, a principal member of the Visa network, under a card program operated by Leadtone Asia Limited. QuantumOcta Ltd distributes access to the card and manages the customer relationship; it does not issue the card and does not hold customer funds.

Does QuantumOcta Ltd custody my crypto or card balance?

No. QuantumOcta Ltd is not a custodian. Stablecoin top-ups and the resulting Spending Balance are held and settled through the licensed infrastructure of Reap Technologies Limited and Leadtone Asia Limited.

Which jurisdictions are excluded?

The service is unavailable to persons in jurisdictions subject to UN, OFAC, EU, or other applicable sanctions regimes, FATF-blacklisted jurisdictions, and any jurisdiction otherwise designated as restricted. See the Acceptable Use Policy for details.

How long do disputes take to resolve?

Transaction disputes must be reported within 30 days of the transaction date and are processed in accordance with Visa Card Network rules by Reap Technologies Limited.