In China, virtual cards have long been a powerful assistant for many users engaging in cross-border consumption and subscribing to overseas services, especially virtual cards like WildCard that support RMB top-ups. With the convenience of being linked to Alipay, they have been very popular among users. In the summer of 2025, the virtual card market underwent dramatic changes, with platforms like WildCard and BinGoCard facing successive policy restrictions, leading to a near-total collapse of RMB top-up channels. WildCard suspended all business operations starting July 12, and by July 22, even the balance consumption function was shut down, leaving old users with "balances but nowhere to use them." BinGoCard was also not spared; after the shutdown of the Cloud Flash Payment top-up channel, it has yet to restore its top-up functionality. In light of this situation, there are no longer any virtual cards supporting RMB top-ups on the market, and cryptocurrency cards have become the last alternative, with PokePay emerging as the top choice for many users due to its low fees, flexibility, and security.
WildCard Alternatives: PokePay, VCard, BinPay, WasabiCard, Crydit
Why has PokePay become the new favorite?#
PokePay is an institution registered in Hong Kong, holding multiple licenses such as MSO and MSB, issuing VISA virtual and physical cards. Its flagship product, the PokeCard cryptocurrency card, supports top-ups via mainstream cryptocurrencies like USDT, USDC, BTC, and ETH. Compared to traditional RMB top-up virtual cards, PokePay's cryptocurrency top-up model not only circumvents the regulatory risks of domestic payment channels but also ensures the stability and security of fund flows. Users simply need to purchase USDT through exchanges like OKX, Binance, HTX, or Gate and then top up their PokePay account to easily achieve cross-border transfers and consumption.
Another highlight of PokePay is its low cost and high flexibility. The virtual card activation fee is only $5, with a validity of up to 5 years, no monthly fees, and no top-up fees; the physical card activation fee is $88, with free card replacement upon expiration, supporting offline POS card swiping and ATM cash withdrawals. More importantly, the virtual and physical cards share the same card number, making it convenient for users to switch seamlessly between different scenarios. Whether subscribing to ChatGPT Plus or Netflix online, or swiping at Starbucks offline, PokeCard can easily handle it, and it even supports binding to Alipay, PayPal, and the Apple Store, covering almost all consumption scenarios.
Unique Advantages of Cryptocurrency Cards#
Compared to the predicaments faced by WildCard and BinGoCard, PokePay's cryptocurrency model undoubtedly offers more stability. Domestic payment channels are heavily influenced by policies, with WildCard suspending services due to investigations and BinGoCard unable to recharge due to the shutdown of Cloud Flash Payment, leaving users feeling helpless. PokePay, through cryptocurrency top-ups, avoids the regulatory risks of traditional payment channels, providing better security for user funds. The process of purchasing USDT is also not complicated; users just need to enter the USDT purchase portal, register and log in to the exchange, follow the instructions to buy USDT, and then withdraw it to their PokePay account, making the entire process simple and efficient.
PokePay's low fees and absence of cross-border transaction fees make it especially suitable for users engaged in small transactions. For example, to subscribe to ChatGPT Plus or OpenAI, users only need to top up a small amount of USDT to complete the payment without worrying about additional cross-border fees. For cryptocurrency users, the PokePay physical card also supports ATM cash withdrawals, making it convenient to convert cryptocurrencies into cash, truly achieving full coverage of online and offline scenarios.
Other Cryptocurrency Card Options#
In addition to PokePay, U Card Master also recommends several other cryptocurrency cards to meet different user needs:
- VCard: Backed by a publicly listed company in the U.S., it has low fees, supports binding to Alipay and WeChat, suitable for users primarily engaged in online consumption, but its offline functionality is slightly inferior to PokePay.
- BinPay: Extremely low fees, suitable for businesses or high-net-worth users, with KYC verification being virtually non-existent, allowing for flexible operations.
- WasabiCard: Focuses on high anonymity, no KYC required, supports large withdrawals, and has low transaction fees, suitable for privacy-conscious users.
- Crydit: Supports VISA and MasterCard, usable online and offline, suitable for a variety of scenarios from small purchases to large payments.
Conclusion: PokePay, a New Choice for Cross-Border Consumption#
In the context of WildCard and BinGoCard's successive "losses," the demand for virtual cards among domestic users has not diminished; rather, it has become more urgent. With its cryptocurrency top-up model, low fees, and full scenario support, PokePay has become the best choice to replace traditional RMB top-up virtual cards. Whether for subscribing to overseas services, engaging in cross-border consumption, or even cashing out in the cryptocurrency space, PokePay can provide safe and convenient solutions. To learn more or to open a card immediately, feel free to visit PokePay and start your new global consumption experience!