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YPT
YPT (Your Private Treasury) is a card-based cryptocurrency payment service that allows users to spend supported digital assets through virtual cards. YPT says its cards are accepted at more than 175 million merchants worldwide.[9]
Overview
YPT offers a card-based cryptocurrency payment service. Its website says users can fund cards with USDT, USDC, BTC, and ETH and that its cards are accepted at more than 175 million merchants worldwide.[9]
YPT's safety documentation says that a licensed trust company holds digital assets and describes $50 million in insurance, identity verification through Sumsub, and a unique blockchain address for each user.[11]
Funding and Transaction Flow
YPT's deposit instructions tell users to select a supported currency and network in the app, then deposit using the displayed QR code or payment-account details. After a successful recharge, the account balance refreshes.[12]
YPT's consumption documentation says a card payment may require authorization in the app.[13] Its transaction guide describes statuses that generally move from Authorized to Settled and then Refunded, and provides typical authorization-to-settlement and refund timelines.[14]
Products and Services
Virtual Card
YPT offers a virtual card through its app.[2] The company says users can fund it with USDT, USDC, BTC, and ETH.[9] YPT lists Apple Pay and Google Pay compatibility for its cards.[9][5] YPT says users can spend cryptocurrency without first converting it to fiat currency.[9]
YPT describes identity verification through Sumsub as part of its safety documentation.[11] Users can set a six-digit Security PIN in the app.[15] YPT's support guide describes card-freeze controls and transaction-limit settings.[16]
Physical Card
YPT's website presents both virtual and physical cards.[9] The current iOS App Store listing documents physical-card categories, handling refunds for failed card orders, and shipment status and tracking.[10] YPT's materials describe ATM withdrawals as forthcoming.[9]
Cryptocurrency Support
Users can fund YPT cards with multiple cryptocurrencies:
YPT's product documentation lists top-ups over the Ethereum, Tron, BNB Smart Chain (BSC; called Binance Smart Chain in YPT's documentation), Polygon, and Bitcoin networks.[5][17] The documentation quotes a 1% transaction handling fee and a 1.2% foreign-currency conversion fee as published fee terms.[5]
Ecosystem
Mobile Application
The YPT mobile app provides account management, card applications, cryptocurrency deposits, and transaction tracking, according to YPT's download page.[2] The app is available on iOS and Android; the iOS listing documents physical-card categories, card purchase and refund flows, shipment tracking, remittance improvements, bill export, and Apple and Google quick sign-in.[10][18]
Use Cases
YPT's documentation lists online shopping, dining, travel, gaming, and technology purchases as use contexts.[5] It also lists Alipay HK, PayPal, Apple Pay, Google Pay, Amazon, eBay, and YouTube as platforms that can be bound or tested.[5]
Partnerships
- ZeroSpace: A "value layer of social networks" that transforms social media handles into universal crypto payment addresses[3]
- 4Metas/PLAYER DAO: A partnership focused on on-chain gaming and payments[4]
- SpiderPool, XHash, SumSub[1] Listed as a business partner on the YPT website[1]
- OmniMCP: The joint effort focuses on enabling users to build AI-driven tools for optimizing crypto-based spending across a global network of merchants.[7]
- Synbo Protocol: This collaboration focuses on integrating cryptocurrency payment capabilities with emerging Web3 investment frameworks to support more efficient and decentralized capital deployment.[8]
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