"Shattering Limits: On-Chain Cryptocurrency Now Enables Effortless Spending Worldwide Through the Visa Network"

Tangem has introduced Tangem Pay, a non-custodial

Visa card that allows users to make global purchases with on-chain stablecoins, all while maintaining control over their assets. Launched in late November 2025, this service lets customers pay at millions of merchants that accept Visa, including via Apple Pay and Google Pay, without needing to convert crypto to fiat in advance, according to a . The card utilizes the Polygon network, taking advantage of its efficiency and low fees to enable smooth transactions, as detailed in .

Tangem Pay operates as a distinct account within the Tangem Wallet app, keeping spendable funds separate from users' main crypto assets. Assets remain on-chain until a payment is made, at which point USDC is instantly swapped 1:1 for USD through Visa’s system. Security is ensured through a dual-key mechanism: one key is retained by the user, while the other is managed by Rain, a compliance partner overseeing KYC and card approval processes.

Rain cannot access or transfer funds unless a transaction is initiated by the cardholder, as notes.

The initial rollout covers the U.S., Latin America, and selected Asia-Pacific markets such as Japan, Singapore, and Australia, with a European launch expected in Q1 2026 under MiCA regulations, according to Tangem's blog. There are no monthly or transaction fees, but users are responsible for standard Visa FX rates and Polygon gas costs. At launch, only native USDC on Polygon is supported, with plans to add more stablecoins and networks in the future, as reported by

.

The card’s compliance structure is supported by a partnership with Paera LLC, a U.S.-based payments infrastructure provider. Rain, as the issuer, manages regulatory requirements to ensure the product meets global stablecoin standards while safeguarding user privacy. Tangem Pay CEO Marcos Nunes described the product as a bridge between crypto and traditional finance, removing obstacles between digital assets and daily spending without sacrificing security, according to

.

The service is designed to tackle cross-border payment issues in emerging markets, where remittance fees are high and liquidity is limited. By facilitating on-chain payments, Tangem Pay helps lower costs for users in areas like Africa and Southeast Asia, where stablecoins offer protection from local currency fluctuations. The company also intends to connect with Western Union’s Solana-based digital asset network in 2026, further broadening its international presence, as reported by Cryptopolitan.

Regulatory oversight of stablecoins remains a major focus. Tangem Pay’s structure aligns with new regulations such as the U.S. GENIUS Act and the EU’s MiCA, ensuring transparency and operational stability in all 42 launch countries, according to Cryptopolitan. This compliance-first strategy sets it apart from competitors like Best Wallet, which offers broader crypto payment options without KYC requirements.

Tangem is targeting 10 million users by 2026, up from its current 350,000 monthly active users. With an emphasis on scalability, minimal fees, and a user-friendly experience, the platform aims to lead the way in mainstream crypto payments. As Nunes highlighted, the objective is to make spending crypto “as easy as using a bank,” appealing to both crypto enthusiasts and the wider public, CCN reported.