How It
Works
From zero to spending crypto online in under 5 minutes. No paperwork, no waiting, no KYC.
Create Your Account
Sign up at app.cardtoshi.com with just your email address. No personal details, no identity documents, no phone number required. Your privacy is our priority from the very first step.
Verify Your Email
Check your inbox for a verification link. Click it to confirm your account. This is the only verification Cardtoshi ever asks for — no ID scans, no selfies, no proof of address.
Deposit $20 to Get Started
Fund your account with a minimum of $20 in crypto. Choose from 20+ supported cryptocurrencies including BTC, ETH, SOL, XMR, USDT, USDC and more. Funds are converted to USD instantly upon receipt.
Create Your Virtual Card
Hit "Create Card" in your dashboard. For a one-time $15 issue fee, your virtual Mastercard details — card number, expiry date, and CVV — are generated instantly. No shipping, no waiting. You can hold up to 3 cards per account.
Add Money to Your Card
Transfer funds from your Cardtoshi wallet balance onto your card anytime. A flat 3% fee is charged on each reload. There are no other fees — no FX markup, no monthly charges, no ATM fees. Top up as often as you like.
Spend Anywhere Online
Use your card details at any online checkout that accepts Mastercard. Full 3DS support means it works with PayPal, Wise, Stripe, Amazon, Netflix, travel sites, cloud services, and 40M+ merchants worldwide. Use it exactly like any regular debit card.
Ready in Minutes
Everything you need, nothing you don't.