BTC

Top up your card with BTC

Top up with on-chain Bitcoin and issue a Visa or Mastercard virtual card. 1-3 confirmations, ~15-45 minutes total. No KYC.

All coins

Ticker

BTC

Settlement speed

~15-45 min (1-3 confirmations)

Network fee

Standard BTC network fee

Minimum

Bitcoin is the most-used funding source on CryptoTopCard. On-chain BTC settlements take 15-45 minutes depending on the fee you pay and network congestion. If you need the card immediately, fund with USDT TRC-20 or Solana instead — same destination card, faster settlement.

Bitcoin funding step by step

In your CryptoTopCard dashboard, click Deposit and pick Bitcoin (BTC).
The dashboard shows a deposit address and a QR code. Send your BTC from any wallet that supports on-chain Bitcoin.
Wait for 1-3 confirmations. Typical timing: ~10 minutes per confirmation at a normal fee. Total: 15-45 minutes.
Once confirmed, your account balance updates. Issue a card from the dashboard.

Fees and what you receive

The deposit fee is 2% of the amount you send. So if you send $500 of BTC, your account balance credits with $490. (The 2% covers our card-issuance infrastructure and crypto-rail fees; it is not a Bitcoin network fee — that's separate and paid by your wallet to the BTC miners.)

Minimum deposit: $5 worth of BTC. Maximum per transaction: no platform-side cap, but Bitcoin's on-chain fees become significant relative to small amounts.

Recommended for

Users with BTC already in self-custody who want to spend it without going through an exchange.
Users who don't need the card immediately and can wait 15-45 minutes for the deposit to confirm.
Anyone wanting the funding step to have a clear, well-known network behind it.

When to pick a different chain

If you need the card in seconds, pick USDT TRC-20 (settles in ~20 seconds, near-zero network fees) or Solana (settles in ~5 seconds). If you want maximum privacy at the funding step, pick Monero (XMR).

Frequently asked

Frequently asked questions

Can I use Bitcoin Lightning Network?

Not yet. On-chain BTC only for now. Lightning support is on the roadmap.

What if my BTC transaction has insufficient fees and stalls?

The deposit credits once it confirms, however long that takes. If you sent at a low fee during congestion, it may take hours; we have no control over the BTC mempool.

Are SegWit / Taproot addresses supported?

Yes — the deposit address we provide is a SegWit (bech32) address. Spending from Taproot inputs works normally.

Can I send less than the requested amount?

Yes — we credit whatever arrives. Just be aware that the 2% fee applies to whatever amount we receive.

What if I send to an old deposit address?

Deposit addresses remain valid; funds sent to a previously issued deposit address still credit your account.

What's the fastest way to convert BTC into a working card?

Pay a high BTC fee (top of the next-block range), then issue the card the moment the first confirmation lands. End-to-end: 10-15 minutes.

Top up with BTC now

Pick a BIN above, top up with any of 20 cryptocurrencies, and your card is ready to use the moment the deposit confirms.