What Is DPT Pay?

What is DPT Pay?

DPT Pay is a stablecoin-powered financial platform that lets you turn digital assets into real-world spending power. The product surface has three sides: a personal Visa card for cardholders, a cross-border payout API for businesses moving money internationally, and a merchant acquiring product that lets merchants accept stablecoin payments at checkout.

On the personal side, you register an account, complete KYC, deposit stablecoins (USDC or USDT today; fiat deposits are on the roadmap), apply for a card, and spend at Visa-accepting merchants worldwide. Apple Pay and Google Pay are supported. The card is the same product whether you use the virtual or physical version, and it is built on the same balance as your DPT account — there is no separate “load the card” step.

On the business side, DPT Acquiring is a separate product for merchants, not for individual cardholders. Merchants accept stablecoin payments from customers and settle to fiat or crypto same-day, with fees starting from 0.3% per transaction. DPT Acquiring runs on its own platform at merchant.dpt.xyz and does not share login credentials with personal accounts.

Sources: DPT Help Center — What is DPT?, DPT Help Center — What is DPT Acquiring?

Why “DPT Pay” — disambiguating the name

The three-letter acronym DPT collides with several unrelated terms: the DPT vaccine (diphtheria-pertussis-tetanus), dialectical behavior therapy (sometimes abbreviated DBT, occasionally DPT), and the doctor of physical therapy credential. To avoid being confused with any of those, the brand uses the long form DPT Pay on official surfaces — including the App Store listing and Google Play listing, both of which are searchable as “DPT Pay”.

Throughout DPT’s own documentation and Help Center, “DPT” and “DPT Pay” are used interchangeably. The legal entity is DPT (HK) Limited; the brand surface is DPT Pay; the domain is dpt.xyz. All three refer to the same Hong Kong-based stablecoin card and payouts company.

Three product surfaces DPT Pay operates

Most fintechs build one product and then expand. DPT Pay ships three sides of the same stablecoin rail at once: a card for individuals, a payout API for treasuries, and an acquiring product for merchants. They share the same custody, settlement, and compliance backbone, but each has its own front door.

The personal Visa card

DPT Pay offers two card tiers. Oxygen is the everyday Visa Platinum tier — globally accepted at Visa merchants, instant digital issuance, travel accident insurance up to approx $500,000 USD with delay / lost-baggage / cancellation coverage, and Visa Luxury Hotel Collection benefits. Top spenders are eligible for automatic upgrade to Obsidian, a Visa Infinite tier that is otherwise invite-only. Obsidian adds Global Priority Pass, 24/7 concierge, and travel accident insurance up to approx $1,500,000 USD.

Within either tier you can choose a virtual card (approx $10 USD application fee, issued immediately, good for online plus Apple Pay / Google Pay) or a physical card (approx $50 USD application fee, shipped in 7-14 business days, needed for in-store and non-NFC ATM use). Upon activation you receive a $5 USD spending credit that can be used anywhere the card is accepted. The credit is non-withdrawable.

Sources: DPT Help Center — Which DPT card is right for me?, DPT Help Center — Should I get a virtual or physical card?

Cross-border stablecoin payout

The same stablecoin custody that backs the card also drives a cross-border payout network. Treasury teams, payroll providers, and platforms paying contractors abroad can send USDC or USDT and have the recipient receive local currency in their bank account through the local fast-payment rail — NIP in Nigeria, UPI in India, NAPAS in Vietnam, PIX in Brazil, and so on. FX is quoted up-front and locked at confirmation, so the rate the sender sees is the rate the recipient receives.

Why stablecoins for payouts: correspondent banking is slow and the cost of moving money is hidden in spread rather than fee. Stablecoin rails settle in minutes on-chain, and DPT’s local settlement partners then complete the last mile to the recipient’s bank in real time on the fastest local rail available.

Source: DPT Payout product page (live corridor list and pricing).

Merchant acquiring

DPT Acquiring is the merchant-facing product. Customers pay in USDC or USDT at checkout, and the merchant chooses whether to settle to fiat (USD, EUR, GBP and others) or hold the stablecoin. Settlement is same-day. Pricing starts from 0.3% per transaction with volume breakpoints; there is no monthly minimum and no setup fee. Drop-in SDKs are available for JavaScript, Swift, Kotlin and Go, plus a hosted checkout for sites that do not want to touch the front end.

Source: DPT Help Center — What is DPT Acquiring?, DPT Acquiring product page.

Who runs DPT Pay

DPT Pay is operated by DPT (HK) Limited, a financial technology company based in Hong Kong. DPT (HK) Limited holds a Hong Kong TCSP (Trust or Company Service Provider) licence under AMLO Cap. 615 — the Anti-Money Laundering and Counter-Terrorist Financing Ordinance. The TCSP licence is administered by the Hong Kong Companies Registry and the Customs and Excise Department, and is required for any Hong Kong entity providing customer-facing financial services that fall within the AMLO perimeter.

Being TCSP-licensed means DPT Pay runs full Know Your Customer (KYC) on every account, files suspicious-transaction reports where required, and maintains the record-keeping discipline AMLO requires. It does not mean DPT Pay is a bank — see the section below on what that distinction means in practice.

Sources: DPT Help Center — Who runs DPT?, DPT Help Center — Where is DPT based?, DPT Help Center — What licence does DPT have?

Card issuer and custody partners

Card issuance: your DPT Visa card is issued by Third National under licence from Visa. Third National is the regulated card-issuing entity that sits between DPT Pay and the Visa network — the same way most fintech cards have a separate bank issuer behind the brand. The Visa rail that processes the transaction at the merchant terminal is operated by Visa under its normal rules, with Third National as the issuing principal member.

Digital asset custody: stablecoins deposited into DPT accounts are held in custody by BitGo. BitGo is one of the largest regulated digital asset custodians, with a long-running track record of cold storage, multi-signature key management, and insurance on custodied assets. Customer funds are held separately from DPT Pay’s own operational funds in this regulated custody environment.

This split — fintech brand on the front, regulated card issuer and regulated custodian behind — is the standard architecture for compliant stablecoin card products. It is also why DPT Pay can ship the user experience of a fintech wallet while operating inside the licensing perimeter of established financial infrastructure.

Sources: DPT Help Center — Who issues the DPT card?, DPT Help Center — Is my money insured or protected?

Is DPT Pay a bank?

No. DPT Pay is a financial technology company, not a bank. Deposits held with DPT Pay are not covered by bank deposit insurance schemes (such as the Hong Kong Deposit Protection Scheme, FDIC in the US, or equivalents elsewhere). Instead, customer funds are held in a regulated custody environment with partners like BitGo, segregated from DPT Pay’s own operational funds.

In the event of business disruption, the segregation matters: customer funds are not mixed with DPT Pay’s own assets, and the licensed custody partner continues to hold the assets independent of DPT Pay’s own corporate situation. This is the standard arrangement for non-bank fintech custody, and it is materially different from how a bank holds deposits.

Cardholders evaluating DPT Pay should treat the “not a bank” status as a meaningful disclosure, not a marketing footnote. It changes how to think about safety: not “is this institution backed by sovereign deposit insurance?”, but “is the custodian regulated, the card issuer licensed, and the operator subject to AML supervision?”. For DPT Pay, the answers are BitGo (regulated custodian), Third National (Visa-licensed issuer), and DPT (HK) Limited under Hong Kong TCSP supervision.

Sources: DPT Help Center — Is DPT a bank?, DPT Help Center — What happens to my money if DPT shuts down?, DPT Help Center — Is my money insured or protected?

Pricing transparency

DPT Pay publishes its pricing on the product pages rather than burying it in a sales call. On the card side: virtual card application is approx $10 USD, physical card application is approx $50 USD. USD transactions on the card are free; foreign-currency transactions carry a 2.00% FX fee. ATM withdrawals are 2% of the withdrawal amount with possible additional FX surcharge and ATM operator fees, up to 3 withdrawals per day and approx $750 USD per day in total.

On the payout side, fees are quoted per corridor and are published on the payout product page. Typical rates illustrate how transparent pricing looks on a real stablecoin rail: INR via UPI at 0.30%, NGN via NIP at 0.80%, VND via NAPAS at 0.60%, PHP at 0.50%, BRL via PIX at 0.45%, MXN at 0.50%, IDR at 0.55%, THB at 0.40%, and EUR / GBP at 0.35%. FX is quoted at mid-market and locked at confirmation, so the rate the sender sees is the rate the recipient receives.

On the acquiring side: from 0.3% per transaction with volume breakpoints unlocking automatically, no hidden spread, no monthly minimum, no setup fee. Custom pricing is available for higher volumes.

Sources: DPT Help Center — Card Fees and Transaction Costs, DPT Payout pricing, DPT Acquiring pricing.

How to get started

To use the DPT Pay card as an individual:

1. Download the DPT app — iOS via the App Store or Android via Google Play, both searchable as “DPT Pay”. If Google Play is not available in your region, the standalone Android APK is at download.dpt.xyz.
2. Sign up using your email or phone number, verify with the one-time password sent to you, and set your account password.
3. Complete KYC. This unlocks card application and most features.
4. Deposit USDC or USDT on Ethereum, Polygon, Tron, or Solana. Once the deposit is confirmed, the funds are available for card spending immediately — there is no separate “top up the card” step.
5. Apply for a card (virtual or physical, your choice), activate it, and start spending.

To use DPT Acquiring as a merchant, visit merchant.dpt.xyz — that is a separate platform from the personal card account.

Sources: DPT Help Center — How do I sign up for DPT?, DPT Help Center — How do I download the DPT app?

Frequently asked questions

What does DPT stand for?

The “DPT” name is used as a standalone brand mark for the fintech platform. The legal entity is DPT (HK) Limited; the brand surface is DPT Pay; the domain is dpt.xyz. The Help Center treats “DPT” and “DPT Pay” interchangeably.

Is DPT Pay regulated?

DPT (HK) Limited holds a Hong Kong TCSP (Trust or Company Service Provider) licence under AMLO Cap. 615, administered by the Hong Kong Companies Registry and Customs and Excise Department. The card issuer (Third National) is a Visa-licensed principal member, and the custodian (BitGo) is a regulated digital asset custody provider. DPT Pay is not a bank.

Where is DPT Pay available?

The card is accepted anywhere Visa is accepted, which covers 150+ countries. The cross-border payout product publishes its current corridor list on the DPT Payout page; the merchant acquiring product is available on the same global Visa acceptance footprint via merchant.dpt.xyz.

How is DPT Pay different from a crypto exchange?

An exchange’s primary product is trading. DPT Pay’s primary products are spending (Visa card), sending (cross-border payouts), and accepting (merchant acquiring) — all using stablecoins as the underlying rail. You can deposit USDC or USDT into DPT Pay but you cannot trade other crypto pairs there. For the card flow, the stablecoin is what you hold and what you spend; conversion to local currency happens at the Visa transaction point.

Does DPT Pay support fiat deposits?

The current deposit method is via stablecoins (USDC or USDT) on Ethereum, Polygon, Tron, or Solana. Fiat deposits via card and bank transfer are on the roadmap. You do not need to already own cryptocurrency to use DPT Pay; you can purchase USDC or USDT from any cryptocurrency exchange and deposit it.

Related guides

• What is a crypto card — how stablecoin cards work on the Visa rail in general
• How a stablecoin card processes a transaction — the mechanics, end to end
• Stablecoin payout explained — why stablecoins beat correspondent banking
• Crypto card fees explained — how to compare cards on real cost
• Best crypto cards compared — DPT Pay against the field