v1.6.0 update: MPChat now ships a streamlined one-tap card application — no billing address typing, single Passkey confirmation, most users finish in under 60 seconds. The steps below still apply but you no longer need to fill them in by hand.
See the v1.6.0 one-tap card application flow →
Applying for a virtual card requires a card fee of 10 USDT, and this fee will not be credited to your MPChat account. Please ensure your account has sufficient funds before applying for the card.
Please note: New users who fill in a friend's coupon ID when applying for their first virtual card will receive a 5 USD reward after activating the virtual card.
Please refer to the steps below to apply for a virtual card:
Open the MPChat app, tap Wallet → My Cards → Apply for a Card, choose Cloud Card (the virtual card currently on sale), complete identity verification, then confirm the payment. If you have not linked a phone number or email, or have not finished identity verification, a dialog blocks the application and points you to what is missing — complete it and come back.
⚠️ Flash Card is permanently closed to new applications. Flash Card was permanently retired on 30 September 2026. Issued cards were converted to Cloud Cards and balances moved to Total Assets. The in-app count is the source of truth. See Flash Card permanently retired on 30 September 2026.
Please note:
Once payment is complete, the application cannot be canceled, and the card fee is non-refundable.