After activating the card, you need to first deposit funds into your MPChat Asset, and then transfer them from Pay to the specific card before you can use it.
We adopt a two-tiered "Pay-card" fund structure, with Pay serving as the central hub for funds, which can be flexibly allocated to multiple cards to avoid locking funds in a single card.
Step 1: Top up your Asset
Please go to your Asset page (Pay tab) to complete the fund top-up:
Open MPChat and go to the Asset page in the bottom navigation.
Click the deposit button and select your preferred payment method ( USDT on-chain deposit, Binance Pay ).
Enter the recharge amount and complete the payment verification.
💡 Tip: It is recommended to recharge an appropriate amount to your Asset according to your actual needs. The Pay balance can be used to transfer between multiple cards at any time.
Step 2: Transfer to card
After the Asset top-up is complete, the funds will be transferred to the target card :
Enter the Asset page
Click the Transfer button
Enter the transfer amount, and after confirmation, the funds will be transferred from Pay to this card. You can then start using it.
⚠️ Note: Please ensure you have sufficient funds in Pay before making the transfer. Card balances cannot be withdrawn directly. To get a refund, you must first transfer the card balance back to your Asset before withdrawing.
Why do I need to top up my Asset first?
This design is primarily intended to improve the flexibility of fund utilization.
One top-up, multiple uses: After topping up to your Asset once, you can flexibly allocate the funds to multiple cards.
Dynamic adjustment: Supports transferring card balance back to Asset, allowing for convenient adjustment of fund distribution based on spending scenarios.
Unified Management: All fund changes are centrally recorded on the Asset page (Pay tab), facilitating reconciliation and management.