Fees and limits

Indicative launch terms. Final pricing is published before card funding opens.

Card

• Virtual USD card. Issuance $10, which includes $5 starting balance on the new card. The starting balance is card credit, not a USDT wallet credit.
• Card loads from $5 to $50,000 per load.
• Spending limits: $30,000 per transaction, $200,000 per day and $1,000,000 per month.

Charges

• Card issuance: $10 — Includes $5 starting balance on the new card
• Launch top-up fee: 2.5% — Indicative starting terms
• Authorization attempt: $0.30 — Every attempt, including declines
• EUR FX conversion: 1% — Applies to EUR purchases on the USD card

How funding and conversion work

You hold a USDT balance with Unlockd. When you issue or load a card, you see a quote that shows what the card receives in USD, what your wallet pays in USDT, the conversion rate and every fee. The quote is valid for a short time; after that a fresh quote is required. Unlockd does not assume that one USDT equals one US dollar.

Each authorization attempt on the card can carry its own fee, including declined attempts. A repeated notification of the same attempt is never charged twice.