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Your Crypto. Your Card.Your Crypto.
Your Card.Spend It
Anywhere.
Load your Udara wallet with crypto. Tap your card at any merchant worldwide. Udara processes your payment in under a second. You stay in full control of your money — no platform ever holds your funds.
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In Your Control
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Card Approval
$0.00
Hidden Fees
Introducing Udara
Udara lets you spend your crypto at any merchant worldwide using a Visa or Mastercard. Your funds stay in your own wallet on the Stellar network, not on a platform you have to trust. No exchanges. No bank transfers. No waiting. Tap your card and pay.
Why Udara Exists
Tap and Spend
Today, you sell crypto on an exchange, wait for money to reach your bank, then spend from there. With Udara, you skip all of that. Tap your card, and the payment goes through.
Your Money Stays Yours
Your funds live in your own wallet on the Stellar blockchain, not on Udara's servers. Even if Udara goes offline, your money is still there and you can access it directly. No platform can block you from your own funds.
Minimal Tax Impact
Because Udara uses USDC, the tax impact is minimal compared to spending volatile assets like BTC or ETH.
Get Your Card in Seconds
On other platforms, identity checks can take hours. Physical cards take weeks. On Udara, once you are verified, you get a virtual card in under 60 seconds. It is ready for online payments and Apple Pay.
No Hidden Fees or Markups
A flat 1% fee per transaction. No monthly charges. No hidden exchange rate markups. Your balance is already in dollars, so what you see in your wallet is what you can spend.
Verify It Yourself
Every balance, deposit, and withdrawal is recorded on the Stellar blockchain. You can check your funds yourself at any time, without asking Udara or anyone else.
Simple.Fast.Secure
Fund Your Udara Wallet
Send crypto to your personal Udara wallet. Your money stays in your control at all times.
Tap to Pay
Use your physical or digital card at any global merchant terminal.
Payment Confirmed
Your payment goes through in under a second. No conversions, no waiting for bank transfers to clear.
How Udara Compares
| Features & Guarantees | Udara Card | Chipper Card | Traditional Cards |
|---|---|---|---|
| Custody & Security | You hold your own funds. No platform can freeze or withhold them. | The app holds your money for you. If the platform goes down, your funds are stuck. | Your bank holds and controls your money. If they freeze your account, you wait. |
| Payment Speed | Payment approved in under a second. No conversion needed. | Fast, but you have to sell your crypto first. | Takes 1 to 3 working days to clear. |
| Fees & Markups | No hidden markups. Your balance is already in dollars. | 1.5% to 3.5% hidden exchange-rate markups. | 1% to 3% foreign transaction fees. |
| Card Provisioning | Under 60 seconds virtual activation. | Hours to days of exchange approval. | 3 to 10 business days for physical shipping. |
| Spending Controls | Set daily limits, block merchant categories, and freeze your card from the app. | Basic freeze and unfreeze. No other controls. | Static limits with manual overrides. |
| Transparency | Check your balance on the Stellar blockchain at any time. | Your data lives in their private system. You cannot check it yourself. | You trust the bank's records. There is no way to check them yourself. |
