Most regions globally (activated via Telegram; user terms conflict with country availability list, subject to Mini App options)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Instant card issuance fee; supports multichain token top-ups without complex steps, spend executes real-time network exchange rates.
- Debit / Deduction Model
- Telegram Mini-App custodial wallet: assets managed inside Bot, settled in real-time at point of sale
Application Eligibility & KYC
- KYC Identity Verification
- Verification may be required by the issuer. Onboarding completed within the Telegram Mini-App; basic limits require lightweight verification, while higher limits require international ID verification; official documents contain conflicting region terms, subject to actual bot options.
- Officially supported countries and regions
- Most regions globally (activated via Telegram; user terms conflict with country availability list, subject to Mini App options)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa / Mastercard (supports virtual and physical cards, compatible with Apple Pay and Google Pay)
- Issuer Arrangement / Payment Rails
- Reap Technologies Limited and Quicko sp. z o.o.. Card BIN is undisclosed; this page does not speculate.
- Apple Pay / Google Pay
- : Officially supports push provisioning to Apple Wallet, enabling tap-to-pay via iPhone and Apple Watch.
- Overseas AI Subscriptions
- : Equipped with standard 3DS authentication, supports OpenAI ChatGPT Plus, Claude Pro, and other international merchants.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Instant card issuance and asset management inside Telegram; completely eliminates standalone app downloads.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- Deep native integration with the Telegram ecosystem
- No standalone app download required; operate directly inside the Telegram @bfinancebot. [1]
- Native support for TON and multi-chain USDT deposits
- Deeply aligned with TON ecosystem, supports direct Toncoin and multichain USDT top-ups on demand. [1]
- Conflicting Documentation on Supported Countries (Pending Verification)
- User terms conflict with issuer country availability documentation; actual onboarding eligibility is determined by country options in the Telegram bot. [1] [2]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa / Mastercard
- Issuer arrangement / BIN
- Reap Technologies Limited and Quicko sp. z o.o.. Card BIN is undisclosed; this page does not speculate.
- Apple Pay
- ✅ Explicitly stated in official materials: Officially supports push provisioning to Apple Wallet, enabling tap-to-pay via iPhone and Apple Watch.
- Google Pay
- ✅ Explicitly stated in official materials: Officially supports Google Wallet, compatible with Android NFC contactless offline payments.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Equipped with standard 3DS authentication, supports OpenAI ChatGPT Plus, Claude Pro, and other international merchants.
Compatibility information for this card was verified on 2026-10-18 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- No Store App (Telegram Mini App @bfinancebot)
- Web Portal Support
- Telegram Bot — Personal tier operates exclusively via Telegram: @bfinancebot Mini App handles registration, KYC, deposits, and card management (official channel @bfinance has ~1.19M subscribers); web dashboard dashboard.bfinance.app serves as enterprise portal; no native iOS/Android apps.
- Apple App Store
- No iOS App
- Google Play
- No Google Play App
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
BF TECHNOLOGIES CORP. (British Columbia, Canada, Reg. BC1551114) privacy policy outlines rights under 'applicable law' including access, rectification, erasure, restriction, objection (including direct marketing), portability, consent withdrawal, and supervisory complaints, without citing GDPR explicitly; KYC/AML identity checks automated via SumSub; affirms no sale of personal data, sharing with KYC vendors, blockchain analytics, banks, and payment partners; cross-border transfers permitted; secondary operating entity is Czech BFinance Technologies s.r.o. (VASP registered).
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained as necessary for service delivery, legal compliance, and dispute resolution; KYC/AML records generally retained for 5 years post-business relationship, or longer if mandated by law.
- App Store Privacy Label
- —
- Google Play Data Safety
- —
- Account Deletion Flow
-
Privacy policy allows deletion requests absent statutory retention requirements, submitted via email to support@bfinance.app or Telegram support @bfinsupbot; no public documentation for self-service account deletion; AML records typically retained for 5 years.
Verified on 2026-10-18. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
A new wave of Telegram Mini-App card issuance
Leveraging Telegram's highly active ecosystem, BFinance significantly lowers card onboarding friction. However, lacking standalone app store listings, users must strictly verify the official authenticated bot to guard against phishing. [1] [2]
Frequently asked questions
How do I open a BFinance Card?
Open the official authenticated bot (@bfinancebot) on Telegram, follow the prompts to select card type and deposit USDT or TON to generate the card.
Is BFinance open to US users?
User terms state US exclusion while regional lists include it; due to conflicting documents, eligibility is determined strictly by selectable options in the Telegram bot.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of BFinance Card on X; search results may change over time.
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