Overview
- Rollout begins in late November with waitlist activations across the U.S., Latin America and parts of Asia-Pacific, with EU and UK availability planned for Q1 2026.
- Balances stay onchain in native USDC on Polygon until checkout, when funds convert 1:1 to U.S. dollars through Visa’s payment rails.
- The virtual card can be added to Apple Pay and Google Pay for both online and in‑store transactions, with a physical card planned later.
- KYC is required for Tangem Pay only, and Rain holds a second key solely to co-sign payment authorizations without access to users’ wallets.
- Tangem charges no monthly or transaction fees beyond normal Polygon gas and standard Visa foreign exchange fees, and it aims to add more networks and stablecoins over time.