How it works, step by step
- 1. Open your account online. Sign up in the app or on the web. A virtual account needs a national ID; a global account needs a passport. There's no branch visit and no local bank requirement.
- 2. Send stablecoins in. Deposit USDC or USDT on Polygon or Solana to your wallet address inside the app. There are no limits on deposits or transfers into your account.
- 3. Convert to dollars. Convert crypto to USD in the app — typically instant or within a few minutes on a virtual account.
- 4. Spend with your Visa card. Tap to pay, buy online, or withdraw cash at Visa ATMs (3,000 USD daily limit).
Nummus vs. selling on an exchange
| Exchange → bank transfer | Nummus | |
|---|---|---|
| Steps | Exchange, bank, then card | One app |
| Time to spend | Often days, depending on your bank | Minutes on a virtual account |
| Fees | Trading fee, withdrawal fee, bank fee | One top-up fee, 0% conversion from Plus up |
| Bank dependency | Needs a bank that accepts crypto payouts | None — spend from the card |
| Where it works | Depends on your local bank | Anywhere Visa is accepted, 190+ countries |
Fees by plan
| Plan | Price | Top-up fee | Crypto-to-cash |
|---|---|---|---|
| Virtual | Free | 4% | 0.5% |
| Plus | $14.99/mo or $149/yr | 3% | 0% |
| Pro | $300 one-time | 3% | 0% |
| Premium | $750 one-time | 2.5% | 0% |
Pro and Premium are one-time account setup payments — no subscription and no monthly fees. You can model your own spending on the fee calculator.
What you get
- USDC and USDT wallets on Polygon and Solana, plus a USD account
- Visa debit card accepted in 190+ countries
- Cash withdrawals at Visa ATMs, up to 3,000 USD per day
- SWIFT international transfers and crypto sends to any wallet address
- Fully online onboarding, from anywhere
- Client funds held in safeguarded accounts, separate from company funds
