Globally compliant regions (open to eligible corporate entities across 160+ countries in North America, LatAm, Europe, APAC, and Africa).
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Free corporate virtual cards with zero monthly or annual fees; payout fees flat at 0.5%, with foreign exchange settling at official Visa interbank rates.
- Debit / Deduction Model
- Drawn from unified multi-chain stablecoin pools (USDC, USDT); supports batch distribution of corporate virtual cards with real-time spend authorization.
Application Eligibility & KYC
- KYC Identity Verification
- KYC required Requires corporate business verification (KYB) and director identity checks; open to global e-commerce, SaaS, and remote teams.
- Officially supported countries and regions
- Globally compliant regions (open to eligible corporate entities across 160+ countries in North America, LatAm, Europe, APAC, and Africa).
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (corporate commercial standard, accepted worldwide across Visa online and merchant POS terminals)
- Issuer Arrangement / Payment Rails
- Endl Financial / Zayment Finance (issued with licensed partner banks and Visa principal members). Card BIN is not public; this profile does not infer a specific BIN.
- Apple Pay / Google Pay
- Supports Apple Wallet for quick checkout on Apple Pay-enabled POS terminals and online sites.
- Overseas AI Subscriptions
- Designed for cross-border tech teams with reliable auto-renewal for OpenAI ChatGPT Plus, Anthropic Claude, AWS, and Google Cloud.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- No traditional rewards or cashback; core value lies in multi-currency local virtual accounts across 160+ countries, instant stablecoin settlement, and corporate financial tools.
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
- Unified Stablecoin Treasury Card Issuance
- Companies deposit USDC or USDT into Endl to issue dedicated Visa virtual cards across departments; funds draw from a unified stablecoin pool without individual pre-funding. [1] [2]
- Full-Featured Team Spend Pre-Controls
- Administrators configure per-transaction caps, daily/monthly budgets, and approved MCC categories with instant push notifications and one-tap freezing. [1] [2]
- Integrated Multi-Currency Virtual Accounts
- Alongside Visa cards, the platform natively provides local bank accounts in the US, Europe, UK, and Canada, receiving client funds via ACH, SEPA, and wire into stablecoins. [1] [3]
- Transparent Flat-Rate Pricing
- Virtual cards cost $0 to issue and maintain, with payout fees standardized at 0.5%, avoiding intermediary bank deductions and hidden exchange rate markups. [1] [3]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- Endl Financial / Zayment Finance (issued with licensed partner banks and Visa principal members). Card BIN is not public; this profile does not infer a specific BIN.
- Apple Pay
- ✅ Explicitly stated in official materials: Supports Apple Wallet for quick checkout on Apple Pay-enabled POS terminals and online sites.
- Google Pay
- ✅ Explicitly stated in official materials: Supports Google Pay (Google Wallet) for contactless mobile payments.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Designed for cross-border tech teams with reliable auto-renewal for OpenAI ChatGPT Plus, Anthropic Claude, AWS, and Google Cloud.
Compatibility information for this card was verified on 2026-11-06 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 245 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
- Endl Web & Mobile App (endl.io)
- Web Portal Support
- Web Portal / PWA Only — Responsive corporate web portal provided via endl.io, supporting card issuance, limit allocation, and transaction tracking
- Apple App Store
- Services delivered via mobile web and PWA console; accessible on modern browsers
- Google Play
- Delivers corporate card and treasury pool management through web and mobile browser console
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
Explicit GDPR Compliance
Privacy policy (Terms Chapter 6) explicitly aligns with GDPR and local data laws; cardholders retain access, correction, deletion, and sharing restriction rights; encrypted without third-party data sales
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Statutory transaction logs and corporate records retained for 5 years per financial and AML compliance
- App Store Privacy Label
- No iOS App
- Google Play Data Safety
- No Google Play App
- Account Deletion Flow
-
Corporate clients can submit closure requests via support@endl.app; all pending card charges must be settled and treasury balances cleared
Verified on 2026-11-06. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Next-Gen Stablecoin Card Infrastructure for Global Remote Teams
As remote work and multinational teams expand, businesses struggle with slow currency clearing and messy expense reports. Endl combines stablecoin liquidity with Visa's acceptance network, enabling centralized treasury management for team travel, software subscriptions, and procurement alongside local collections across 160+ countries. [1] [2] [3]
Frequently asked questions
Can individuals apply for Endl Card?
Endl is built for registered enterprises, startups, freelancer agencies, and e-commerce companies (KYB); standalone accounts for unverified consumers are unavailable.
Which blockchains can be used to fund Endl?
Supports USDC and USDT stablecoin deposits across major EVM chains including Ethereum, Arbitrum, Optimism, and Polygon.
How are lost cards or departed employees handled?
Administrators can instantly freeze or terminate any employee's virtual card in the portal; assigned balances immediately revert to the company pool without bank processing delays.
📜 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 Endl Card on X; search results may change over time.
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