Tangem is introducing Tangem Pay, a brand new technique to spend on-chain Polygon-based USD Coin
$1.00
with a digital Visa card, instantly from the Tangem Pockets app. The rollout begins in late November 2025 and can steadily increase throughout the USA, Latin America, and key Asia-Pacific international locations, with customers onboarded in batches from the waitlist.
What’s Tangem Pay & Find out how to Use It?
Tangem Pay is a non-custodial fee account constructed into the Tangem Pockets app. You might want to have a {hardware} Tangem Pockets to make use of it. As soon as Tangem Pay reaches your area, right here’s what you’ll must do if you wish to use it:
Tangem Pockets stays a self-custodial {hardware} pockets the place you management your keys anonymously. Tangem Pay sits subsequent to it as an non-obligatory, regulated function for individuals who need to use stablecoins in day-to-day life.
Unused USDC could be withdrawn again to your Tangem Pockets at any time, for the reason that funds are held in a non-custodial sensible contract account.
How Tangem Pay Works In-Depth
Tangem Pay combines a self-custody setup with an ordinary card fee circulation. Your USDC is held in a sensible contract account on Polygon, however the management over this account is break up between two keys: one held by you and one by Rain, Tangem’s unbiased issuing companion.
That stated, Rain can solely transfer funds that you’ve got already authorised via a card transaction.
Once you pay along with your Tangem Pay card, the required USDC quantity is deducted out of your sensible contract account. The transaction is settled on-chain and processed via Visa in USD at a 1:1 fee. The service provider receives fee within the typical method through the Visa community.
If a transaction is declined, your funds stay untouched. And if the cardboard is frozen, it’s merely disconnected from the Visa community. So, nobody has entry to the remainder of your steadiness.
To maintain issues clear, your Tangem Pay spending steadiness is separate out of your major Tangem Pockets holdings. Due to this fact, your Tangem {hardware} pockets stays a safe place for long-term storage, whereas Tangem Pay focuses on day-to-day spending.
Tangem Pay Charges, Currencies, and Limits
There shall be no transaction charges, no month-to-month charges, and no charges to get the digital Tangem Pay card. You’ll solely pay the next:
Polygon gasoline charges when topping up your Tangem Pay account (paid to the community, to not Tangem).Visa’s normal FX and cross-border charges if you happen to spend in a foreign money aside from USD.
At launch, Tangem Pay will help native USDC on Polygon. Different stablecoins and networks are deliberate for future updates. ATM withdrawals and direct spending from different tokens or chains is not going to be out there but.
Compliance and Privateness
Tangem Pay is powered by Paera LLC, a US-based fee infrastructure firm. The cardboard is issued by Third Nationwide and supported by companions together with Visa, Rain, Sumsub (for id verification), Elliptic (for transaction monitoring), and others.
Tangem doesn’t see or retailer customers’ id information. Pockets property, transaction historical past, and nameless self-custody stay separate. Customers can select whether or not to allow Tangem Pay with out altering how their major pockets works.
Residents in supported areas who be a part of the waitlist shall be invited in waves because the service goes stay. Customers in different areas will see a waitlist display contained in the Tangem app and shall be notified as protection expands.
Tangem plans to convey Tangem Pay to the UK and European Union in early 2026, prioritising regulatory alignment beneath MiCA and broader entry to stablecoin funds for EU residents.
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