Bring your crypto anywhere

No, not for virtual cards. Blomo asks for no identity documents at sign-up, at top-up, at card issue or at payment: no passport, no selfie, no proof of address, no source-of-funds questionnaire. What it does need is an email address or a Telegram account, and a funded balance. The one check that does exist is not about identity: incoming funds are screened, and if a top-up raises a sanctions or anti-money-laundering question, Blomo may ask you to confirm where the funds came from — Section 6 of the terms sets out what that check may request. Physical plastic is the exception and does require a KYC check before the card is produced.

An email address or a Telegram account. Nothing else. Two-factor authentication is offered at sign-up — TOTP by RFC 6238, the kind any authenticator app supports — and takes about thirty seconds to set up. It is optional, and what it protects is the sign-in: with it on, a stolen password alone is not enough to reach the account.

About a minute from a funded balance. There is no application to review and no approval queue: you pick a card, the balance is checked once against that card entry threshold, and the number, expiry date and CVV appear straight away.

It depends on the card, and the range is wide: 100 USDT for Estonia, 200 for Indonesia, 250 for the United Kingdom, 300 for Poland, 500 for Spain and 1,000 for the Netherlands. That amount has to be on the balance at the moment you order the card. It is checked once and never again.

Not once the card is working — but there is a window before that, and it is wider than the threshold. The minimum balance is an entry requirement, not a deposit and not collateral. When you order a card, Blomo holds your whole available balance, not only the threshold, while the card is being issued and the funds are checked. The hold is released when the card is activated, or if an operator declines the request, and from then on the entire balance — including the amount that qualified you — is available to spend. The hold is a snapshot of the balance at the moment you order, so a top-up that arrives afterwards is not held and stays available. If an issue attempt fails, the balance stays held until an operator retries the issue or declines the request.

The first virtual card on an account is free. Every virtual card after that costs 10 USDT, charged from the balance at the moment of issue. A physical card costs 100 USDT, and that price includes delivery.

The minimum is 50 USDT; anything smaller is not credited. The top-up fee is 1%, added on top of the amount you ask for — to get 100 USDT on your balance, send 101 USDT; for 1,000, send 1,010. The fee is the same on every network and every asset.

USDT on TRON (TRC-20) and Ethereum (ERC-20); USDC on TRON (TRC-20), Ethereum (ERC-20) and Arbitrum; and native ETH, TRX, BNB and BTC. Six assets across five networks. The list is the same everywhere — what differs between networks is the cost of sending, not whether Blomo accepts it.

A top-up is a request rather than a permanent address. You choose the asset and the network, receive an address for that specific top-up, and send the amount to it. It is credited to your Blomo balance once the network confirms the transfer. The number of confirmations is fixed for each network and does not depend on the amount: 20 blocks on TRON, 7 blocks on Ethereum, 3 blocks on Bitcoin, 120 blocks on Arbitrum and 15 blocks on BNB Chain.

Anywhere Visa or Mastercard is accepted: online checkouts, subscriptions, travel bookings, app stores, and in physical shops through Apple Pay and Google Pay. A purchase in the card own currency carries no conversion fee — euros on the EUR cards, zloty on the PLN card, sterling on the GBP card, rupiah on the IDR card. Everything else is converted at the Visa or Mastercard rate for the moment of the transaction. Blomo does not convert at a rate of its own and takes no conversion markup — the payment network sets the rate, and there is no Blomo fee on top of it.

0.5% on the Netherlands card; 1% on Spain, Poland, Indonesia and Estonia; 1.5% on the United Kingdom card. The Netherlands card is the cheapest to spend with, and that is on top of it being the only one with no conversion on euro purchases at 0.5%.

The Netherlands card. It is issued in EUR, so euro purchases carry no conversion at all, and its transaction fee is the lowest in the range at 0.5%. Spain is also EUR at 1%, and Estonia is EUR at 1% but online only. The Poland (PLN), United Kingdom (GBP) and Indonesia (IDR) cards convert every euro purchase at the Visa or Mastercard rate of the moment. The rule is short: match the card currency to the currency you spend most, and conversion disappears.

Monthly, and denominated in USDT whatever the card currency is: 100,000 USDT on the Netherlands and Spain cards, 50,000 on Poland and the United Kingdom, 30,000 on Indonesia and 5,000 on Estonia. The limits are per card, so a second card raises your total ceiling.

Yes, on five of the six cards — the Estonia card has no ATM access. The fee is 1% on the Netherlands, Spain and Poland cards and 2% on the United Kingdom and Indonesia cards, and a withdrawal in any currency other than the card own is converted on top of that. Taking euros out of a euro card costs 1% and nothing else; taking the same euros out of the Indonesian rupiah card costs 2% plus conversion — roughly twice as much for the same cash. Monthly ceilings: 2,500 USDT on the Netherlands and Spain, 1,500 on Poland and the United Kingdom, 1,000 on Indonesia.

Yes, on five of the six cards: Netherlands, Spain, Poland, United Kingdom and Indonesia. You add it by hand in the phone's own wallet app — open Apple Wallet or Google Wallet and type in the number, expiry date and CVV that Blomo shows you, because the Blomo app has no add-to-Apple-Pay button. The Estonia card does not support wallet payments — it is an online-only product.

Yes. They bill as ordinary online card payments, and every Blomo card takes them, including the online-only Estonia card. The same goes for other recurring services — streaming, hosting, app stores.

The Estonia card: EUR, Visa, valid 36 months, entry threshold 100 USDT, transaction fee 1%, monthly ceiling 5,000 USDT. No Apple Pay, no Google Pay and no cash withdrawal. It is meant for subscriptions and online checkouts, and the missing features are what buy the lowest threshold in the range.

The BIN — the first digits of the card number, which tell a merchant which bank issued the card and what kind of card it is. The higher the entry threshold, the stronger the BIN. In this range that means the Netherlands card (1,000 USDT) is refused least often and the Estonia card (100 USDT) most often. If a merchant keeps declining your card, the fix is a product with a higher threshold, not a bigger balance on the same one.

Spending mostly in euros and want the fewest refusals: Netherlands — 1,000 USDT to issue, 0.5% per transaction, 100,000 USDT a month. Euros on a smaller budget: Spain — 500 USDT, 1%. Zloty or sterling: Poland (300 USDT) and the United Kingdom (250 USDT, 1.5%). Lowest threshold that still has Apple Pay and ATM: Indonesia, 200 USDT. Online subscriptions only: Estonia, 100 USDT.

No. Here is what Blomo charges: minimum top-up 50 USDT; top-up fee 1%; first virtual card free, each one after 10 USDT; transaction fee 0.5% to 1.5% depending on the card; ATM 1% or 2% on the five cards that support it; physical card 100 USDT including delivery; Concierge 149 USDT a month or 1,099 a year; withdrawal back to crypto 3%, taken out of the amount together with the network fee. There is no conversion fee on that list because Blomo does not charge one: a payment in another currency is recalculated at the Visa or Mastercard rate for that moment, with no Blomo markup on the rate.

48 months on the Netherlands, Spain, Poland, United Kingdom and Indonesia cards, and 36 months on the Estonia card.

Yes. The issuing partner will not produce a personalised card without a KYC check, and no provider in this market can waive that. Virtual cards need no verification at any stage, and a completed check on a physical card does not retroactively apply to virtual cards already on the account.

100 USDT including delivery, with no separate shipping charge and no surcharge by destination. About 14 days to produce the card once the identity check is complete and about 14 days to deliver — roughly four weeks in total. Its limits and fees are identical to the virtual card of the same product.

Most countries. Blomo does not serve the United States, Russia, Ukraine, North Korea, countries in Africa, or sanctioned jurisdictions. Sanctions screening is imposed on every issuer by Visa and Mastercard; the remaining exclusions come from the issuing partner choosing which markets it supports. The card jurisdiction is where the card is issued, not where you have to live — virtual cards involve no residence check.

A subscription that handles what a card cannot: hotel and travel bookings, restaurant and event reservations, deliveries and errands, and problems that need a person on the phone. 149 USDT a month or 1,099 USDT a year — the annual plan works out at about 92 a month and saves 689 USDT. The fee is charged from your Blomo balance and covers the arranging; what you book is paid with your card as usual.

There is no trial period. You switch the subscription on in the app and it activates automatically. You can cancel from the app at any time; the service then runs to the end of the period you have already paid for, and there is no refund for the unused part.

No. The wallet key is derived from your passcode on your device, and Blomo stores an encrypted envelope it cannot open. Balances are sums over ledger entries that are never edited or deleted, only reversed. Card numbers and CVVs are rendered by the issuer and never pass through Blomo servers, database or logs.

English, Spanish, Polish and Russian, across the website, the web app, the Telegram mini app and support.