Lendasat DocsVirtual Card
Learn about the Lendasat Virtual Card for instant spending of your Bitcoin-backed loan.
The Lendasat Virtual Card lets you spend your loan instantly, just like a traditional debit card - no off-ramping or bank interaction needed.
Powered by Moon. No bank account or KYC required (except for U.S. citizens).
How It Works
Request Loan
Choose "Virtual Visa Card" as your payout method when requesting a loan.
Card Generated
A card is created instantly after loan approval.
Start Spending
Use your card for online purchases worldwide wherever Visa is accepted.
Currently only available in USDC on Polygon. More networks coming soon.
Use Cases
Online Shopping
Use at most online merchants where Visa is accepted
Instant Spending
No waiting for off-ramp transfers after disbursement
Global Usability
Shop in 130+ countries without currency exchange
Single Dashboard
Manage your card and loan in one place
Spending Limits
| Limit Type | Amount |
|---|---|
| Monthly spend (non-US) | $4,000 |
| Monthly spend (US) | $4,000 across all cards |
| Single card limit (US only) | $1,000 per card |
| Max single top-up | $10,000 |
| Daily top-up limit | $10,000 |
Fees
| Fee Type | Amount |
|---|---|
| Purchase fee | 1% (min $1.00) |
| FX / Foreign transaction | Free |
| Card validity | 3 years |
Mobile Wallet Support
Apple Pay, Google Pay, and Samsung Pay are not yet supported - coming soon!
Why Was My Purchase Declined?
| Reason | Solution |
|---|---|
| Card details entered incorrectly | Double-check card number, expiry, CVV |
| Insufficient balance | Ensure balance covers fees and gratuity |
| Merchant doesn't accept card | Try a different merchant |
| Restricted country/category | See restrictions below |
| Warehouse/freight forwarder address | Use your direct address |
Country Restrictions
You can shop at merchants in 130+ countries.
Restricted Countries: Afghanistan, Albania, Belarus, Bosnia Herzegovina, Bulgaria, Burkina Faso, Cameroon, Central African Republic, China, Crimea Region, Croatia, Cuba, Democratic Republic of the Congo, Donetsk/Luhansk Regions, Ethiopia, Greece, Guinea-Bissau, Haiti, Iran, Iraq, Kenya, Kosovo, Lebanon, Libya, Macedonia, Mali, Moldavia, Monaco, Montenegro, Montserrat, Mozambique, Myanmar, Namibia, Nicaragua, Nigeria, North Korea, Panama, Philippines, Romania, Russia, Senegal, Serbia, Slovenia, Somalia, South Africa, South Sudan, Sudan, Syria, Tanzania, Tunisia, Turkey, Ukraine, Venezuela, Vietnam, Yemen, Zimbabwe.
Merchant Restrictions
Certain purchases are prohibited:
Financial Services
- Wires, Money Orders
- Security Brokers/Dealers
- Foreign/Non-Fiat Currency
Gambling
- Betting/Casino
- Online Casinos
- Lotteries
- Horse/Dog Racing
Other Restricted
- Dating & Escort Services
- Massage Parlors
- Direct Marketing
- Telemarketing Merchants
- Cash Disbursements
For full details, refer to Moon's terms of service.
Track & Manage
View your balance, transaction history, and top-up options directly from your Lendasat dashboard. No separate account needed.
Need Help?
If none of the above applies to your issue, contact us at support@lendasat.com.