A US dollar card in Panama, topped up with USDT
A Visa in US dollars that you top up with USDT or USDC from any wallet or exchange, with no bank account. Since people pay in US dollars in Panama, all your purchases, online and in stores, involve no conversion.
Get my card →Reviewed on October 25, 2026
What you can pay for
Why it helps in Panama
Panama pays in US dollars, so the card works with no conversion at local stores and online alike. It is useful if you get paid in USDT, if you live in Panama as a foreigner and don't want to open a local bank account, or if you want to keep your online spending separate from your main account.
At supermarkets and stores in Panama
It is a virtual card: to pay in a physical store, add it to Apple Pay on your iPhone (Apple Pay works in Panama) and tap your phone on the terminal. It works at supermarkets like Super 99, Riba Smith, El Rey, Xtra or PriceSmart, pharmacies, restaurants and any store that accepts contactless Visa. On Android, if Google Wallet is available on your phone, add it to Google Pay the same way.
Where to get USDT in Panama
In Panama you can buy USDT with dollars on Binance P2P or other exchanges.
If you already hold USDT on an exchange or in your wallet, just send it over a supported network: Polygon, BNB Chain, Base or Solana. The balance is held in US dollars.
How to get it in Panama
- Create your account at app.cryptocard.la.
- Verify your identity with your cédula or passport plus a selfie. It usually takes a few minutes.
- Enter your address in Panama as it appears on your documents.
- Top up with USDT or USDC and the card is ready to use online or with your phone.
Card fees
| Issuance and maintenance | Free |
| US dollar purchases | 0% |
| Cashback on digital subscriptions | 10% |
| USDT / USDC to US dollar conversion on top-up | 1.5% |
| Purchases in other currencies | Visa exchange rate |
| Minimum top-up | USD 10 |
| Top-up networks | Polygon · BNB Chain · Base · Solana |
In physical stores too, with your phone
Add the card to Apple Pay on your iPhone or Google Pay on your Android and tap to pay at any store worldwide that accepts contactless Visa: supermarkets, restaurants, transport, travel.
Frequently asked questions
Do I need a bank account in Panama?
No. The card is topped up with USDT or USDC from any wallet or exchange; you don't need a bank account in Panama or anywhere else.
I'm a foreigner living in Panama. Can I get it?
Yes, with your passport and your address in Panama. You don't need a Panamanian bank account.
Is there a monthly fee?
No. The card has no issuance fee and no monthly fee.