Comprehensive measurement of Onekey Card virtual credit card (compared with Depay)

Original link: https://tumutanzi.com/archives/17027

Onekey, a hardware wallet provider, has launched a virtual bank card, Onekey Card. After reading the introduction, it is basically similar to Depay , but there are some differences. Driven by curiosity, I tested it and compared it with Depay.

At present, you can only apply for registration on the web page, and you can only use Google account authorization to register and log in.

Registration requires a referral code, you can use my referral code: XSYCDX and referral link: https://card.onekey.so/?i=XSYCDX

Like Depay, it supports users in mainland China, uploading ID cards and following the instructions for automatic face authentication on mobile phones—all centralized bank card products require kyc authentication, which is an action that must be faced for compliance.

Recharge currently only supports USDC, and supports various public chains, so the recharge fee from Binance to the wallet is good, basically one dollar per time.

Of course, the recharge fee for Depay’s USDT on the bnb public chain can be within 1 yuan per recharge.

The initial card level of Onekey Card is a silver card, with a monthly fee of US$1-there is no monthly fee after upgrading to other cards.

USDC is recharged to the Onekey Card wallet and directly converted to USD, which involves a 2.1% handling fee, which can be reduced to 1.5% after upgrading to a black card.

In contrast, Depay’s black card recharge fee is 0.8%, but when Depay’s USDT is converted into USD, there is a hidden 1% loss…

Therefore, in general comparison, it seems that the handling fees of the virtual cards launched by the two companies are similar overall.

Onekey Card is currently only a Visa card. I checked its BIN card segment. It is a “credit card” issued by Bank of America. Of course, this is not a card with a real limit, but a prepaid card that needs to be recharged first.

Therefore, in actual use, I found that when Onekey Card’s Visa US dollar is used to spend RMB, the exchange rate of US dollar to RMB is 1% lower than that of Depay’s mastercard…

Therefore, the overall cost of using Onekey Card is actually higher than that of Depay.

I also accidentally discovered that the current Onekey Card segment is exactly the Visa card segment that Depay will give up…

4288373 Visa card segment offline announcement: Due to the instability of the 4288373 card segment, we have been maintaining it for a long time, and we have been communicating with the bank during this period but have not been repaired. –Depay official

After all, Onekey Card has only launched a virtual card for a few days, including the stability of the website, which will take a certain amount of time to polish.

I successfully bound it to Alipay and used it in China like a Depay card, but when binding it to WeChat, it always reminded me of the risk of foreign cards and refused to bind me, and I was not allowed to bind it after manual appeals—but netizens reported that they I have successfully bound WeChat payment, so it depends on my luck.

Like Depay, this virtual card cannot be bound to Apple Pay—although Apple Pay is officially supported.

On the whole, it is a good thing that Onekey Card launched a virtual card to realize small domestic consumption of cryptocurrencies as RMB. With competitors, this market will be more active.

Although it is currently more famous except Onekey as an operator, it is not as good as Depay’s virtual card in other aspects-after all, the latter has been launched for two years.

However, I still applied for an experience card as an alternative – when Depay’s MasterCard cannot be used in case, and, according to netizens’ reports, it will be smoother when it is bound to Openai Chatgpt – it may be Because the risk control of the new card is lower.

If you want to register for a use or as an alternative, you can use my referral code: XSYCDX and referral link: https://card.onekey.so/?i=XSYCDX

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