Tangem has unveiled a self-custodial virtual Visa card that lets users spend USDC from their wallet while keeping assets fully onchain.
Author: Sahil Thakur
6th November 2025 – Tangem has unveiled Tangem Pay, a self-custodial virtual Visa card that lets users spend USDC directly from their wallet while keeping assets fully onchain. The launch aims to blur the line between crypto custody and everyday payments, without compromising on user control.
The service, confirmed on Nov. 6, rolls out later this month across 42 countries, including the U.S., Brazil, Japan, Singapore, and Australia. Expansion to the UK and EU is slated for early 2026, aligned with upcoming MiCA regulations.
At the core of Tangem Pay is a simple but powerful feature: users can spend stablecoins like USDC from their Tangem Wallet without pre-converting funds or handing over custody. The virtual Visa card works online and in stores, and is also compatible with Apple Pay and Google Pay.
The funds remain fully onchain until the moment of purchase. At that point, they’re instantly converted 1:1 into USD via Visa’s payment rails. There are no monthly or transaction fees, and only Polygon gas fees and Visa’s standard FX rates apply for international transactions.
Tangem emphasizes that users retain private-key ownership, using a dual-key model where only the user can initiate transfers. The second key, held by regulated partner Rain, is used solely to authorize card payments and enforce KYC compliance.
While Tangem Pay requires KYC, the base Tangem Wallet does not. The company says KYC is isolated to the payment layer and does not compromise user privacy or access to the wallet.
“If a user is sanctioned or breaks the law, our regulatory partner, not Tangem – can disable the payment access,” said Tangem Pay CEO Marcos Nunes. “But no one can access the wallet itself.”
This hybrid model allows users to interact with traditional payment rails while still maintaining the core crypto ethos of self-sovereignty.
Tangem is positioning itself as more than just a hardware wallet provider. With Tangem Pay, the company now offers a full spectrum: cold storage, onchain growth tools, and real-world spending.
Support currently focuses on native USDC on Polygon, chosen for its speed and low costs. But Tangem has plans to expand support to other stablecoins and networks in future updates.
The company says a physical card is also in the works, and hints at future incentives to make Tangem Pay the primary daily card for crypto users worldwide.
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