How to use the card

Feature description

Using our Virtual Cards and Services feature in MDAO Telegram Wallet, you can issue Visa and MasterCard virtual debit cards and pay for goods and services abroad.

Card issuance does not require mandatory KYC procedures in case of issuing cards for USDT.

The cards are virtual, without physical media.

Virtual cards can be used exclusively to pay for online services and goods, book cabs, tickets and hotels.

Cash withdrawals from ATMs and transfers to other bank cards are not supported.


⚠️ For security reasons, never disclose your card details, expiration date and CVC.

⚠️ Pay for services only via official links, be wary of phishing.

⚠️ Do not give access to your Telegram account to third parties, protect your Telegram account with two-factor authentication (for more information about protection in Telegram, see the article here).

Getting started

To issue a card, go to MDAO Telegram Wallet and launch the bot by clicking Start.

If you used the wallet before, simply open MDAO Telegram Wallet.


On the page of the Virtual Cards and Services section you can browse card issuance, information, FAQs.

Before you start using the features, be sure to familiarize yourself with all the information by exploring Info and Fees and FAQ.

Card creation

You can create and top up the card using USDT BEP-20/TRC-20.

Please note that the MDAO Telegram Wallet balance must be funded in advance if the USDT deposit method is used.

The deposit is sent from the MDAO Telegram Wallet balance in USDT and converted to USD when creating or topping up the card. So before issuing a card, top up your MDAO Telegram Wallet with USDT and TRX/BNB depending on which network USDT is in your wallet balance.

You can see how to deposit your wallet in the Top Up instructions.

Go to the Virtual Cards and Services section from the main menu of MDAO Telegram Wallet and click Select or issue a card to pay for services.

The next page will open a menu where you need to select a card.

You can choose a card by BIN or Service.

The BIN comparison table provides a list of services that are available for payment with this card, a brief list is also provided below the card.

Each type of card has a different BIN (identification numbers), which differ by issuer and services available for card payment.

If a service is not on the list, it does not mean that the card is not suitable for the service - it is possible that this service has not yet been paid for by card users. You can get additional information from our support service.

When issuing a card, you must deposit at least 25 USDT + 10 USDT (one-time cost of card issuance), of which 25 USD will be credited to your card.

Please note the deposit fee, which is 4% of the deposited amount.

When using RUB, undergo KYC, select the top-up amount and carry out the transfer.

When topping up in USDT TRC-20 you must have TRX on your wallet.

When depositing in USDT BEP-20 you must have BNB on your wallet.

Your account is replenished from your MDAO Telegram Wallet balance in USDT and converted to USD.

You can find out how to top up MDAO Telegram Wallet in the Top up section.

Select Debit Visa or Debit Mastercard.

Enter the top up method and deposit amount in the Amount line.

The total amount that will be required to be paid when the card is issued is shown below. In this example we have selected the USDT TRC-20 method. The balance of USDT and BNB on the wallet is sufficient, you can proceed with the card issuance.

To confirm card issuance and replenishment, click the blue Pay button with the amount.

Wait for transaction confirmation.

Your card is ready for use!

You can issue up to 5 cards per account. You can terminate unused cards, but please note that balances are annulled when terminated, so before deleting make sure that the balance is used up completely, and also delete the card from the payment methods of services, if it was previously linked.

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