The virtual USD card aimed at Russians paying abroad, with no closed-country list and no cash withdrawals

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

A Pro is a virtual Visa or Mastercard with a US dollar balance, issued to clients from Russia and usable in 190 countries, including the US and Turkey. There is no plastic card, no ATM, and no listed closed-country list. The headline price is a ruble figure, the maintenance fee is $0, and you can fund the balance in rubles from a Russian bank card. That is the attractive version. The version I keep coming back to while reading the card’s own pages is different: the platform operator is CRYPTOBRIDGE, CORP. in Panama, the card itself is issued through a third-party provider at golden-card.ru, Aifory Pro states plainly that it is neither a bank nor a card issuer, and licences are not stated. You are not opening an account with a bank. You are buying access to somebody else’s card programme.

That combination — clear about who it is for, vague about who stands behind it — gives it a score of 3.6 / 10 in my reading. If you cannot get an ordinary bank card and you need to pay for things online from a US dollar balance, this is a tool that exists and does a specific job. If you want a bank relationship, deposit protection, or someone clearly answerable when money goes missing, this is not it, and no promo code changes that.

Conditions described below are current as of October 28, 2026.

Verdict: 3.6 out of 10, and it suits a narrow, specific person

The card is for someone who cannot easily open a normal account and needs a dollar-denominated virtual card to pay online. The audience the card itself points at is Russian clients paying abroad with a virtual USD card. If that is you — you are in Russia or hold Russian documents, you have no usable international card, you pay for subscriptions, hosting, ads or services that only take dollars — then the fit is real. The card works in 190 countries, there is no list of blocked countries, and the price to start is low.

The card is not for anyone who wants the protections of a bank account. The operator is not a bank and not an issuer. Licence status is not stated. Custody arrangements are not stated. There is no cash withdrawal. There is no cashback. On partnerkin.com the header showed 29 reviews with an average of about 7.8/10 across the visible scores, and the themes are the ones that should make you pause: stalled refunds and contradictory support, fraud claims filed through an exchange operator, and verification holds on withdrawals. Official incidents: none found — I want to be precise about that, because it cuts both ways. No official enforcement record and no official complaints page, but also no official promise of anything, either.

Here is how I scored it, criterion by criterion, with the numbers unchanged:

Total: 3.6 / 10.

The shape of that table tells the story better than the total. Everyday use is the best-scoring line, because virtual-only and app-wallet support is a coherent design for its purpose. Top-up options score worst, because you have one documented route — rubles over SBP — and a crypto route whose terms nobody publishes. That asymmetry is what decides the card: it is not really a crypto card for most of its users, it is a ruble-to-dollar conversion into a virtual Visa.

Will they give you the card?

The card page is plain about eligibility. Issuance is for clients from Russia, and the cards work in 190 countries, with the US and Turkey named. There is no list of closed countries — that is unusual, and it is a genuine point in the card’s favour for anyone whose country is not on some other provider’s exclusion list. The terms require the user to confirm that use does not violate the law of their country of citizenship or residence, and persons listed under sanctions are not served.

That confirmation clause is doing more work than it first appears. It ties you to the law of your citizenship as well as your residence. If you are a citizen living in a country different from your citizenship, both sets of rules apply to you, and the card does not decide which one takes precedence. I would treat that clause as a real constraint rather than boilerplate: if your circumstances make the answer unclear, the person who has to answer is the operator, not you.

On the age side, registration is 18+. There is no stated higher age limit for the card itself, which sits slightly apart from the category norm where some issuers set higher thresholds.

How to get it

Registration is email plus a confirmation code, and the interesting part is that you choose your verification level. The levels are:

• Basic — registration only. No check. Deposits only, card applications allowed.
• Advanced — an ID document.
• Professional — adds proof of residential address.
• Ultra — adds a bank statement or property documents.

A phrase worth pausing on: Basic is described as “deposits only, card applications allowed.” Deposits only, yet card applications allowed — that reads as a level at which you can ask for a card, with what happens next depending on the checks that follow rather than on a promise made up front. If your plan is to get a card quickly and quietly, do not assume Basic gets you there.

The review can take up to 30 business days, and that may be extended. Checks may include a selfie with your document and a video. Issuance is usually minutes, or hours with extra checks. Refusal follows forgery or mismatched data. So the honest timeline is two different timelines: often about 30 seconds from issuance for the card details to appear, and up to 30 business days for a level review. Which one you get depends on the level and on whether they decide to look harder.

The card itself is virtual only, with no plastic, on a USD balance, in Visa or Mastercard options. Universal and Standard cards are valid 3 years; the Subscriptions card is valid 2 years. Singapore is listed as issuing country. It is a debit card, with no credit line — which means the balance is what it is, and you cannot spend money you have not loaded.

Fees: what it really costs

Here is the part where the card’s own numbers and other people’s numbers do not agree, and you should decide which you believe before you load anything.

The conflicting figures. Russian review blogs on dtf.ru (2025–2026) put the purchase fee at “$1 + 0.4%” and top-ups at from 3.5%. That conflicts with the official page, which shows 0.8 USD on Subscriptions and 0 USD top-ups. Those third-party figures are unofficial and not confirmed by the card. I am not going to choose between them for you, because I cannot check which is live right now. What I will do is point out the practical consequence: if the unofficial figures are closer to the truth, the economics of a $5 subscription bought with the card get worse quickly, and top-ups stop being free.

Three everyday payments, with the fees that actually bite. Assume the balance is funded and you are shopping.

• *A $12 subscription in dollars.* On Subscriptions, the purchase fee is 0.8 USD. On Universal, $0. If the unofficial “$1 + 0.4%” applies instead, you pay $1.05. The rounding of the official flat fee hurts more the smaller the purchase, which is exactly the shape of subscription spending.
• *A €20 item at a shop that prices in euros.* Your balance is USD, so this is a non-USD purchase and conversion may be involved; the rate and any other fees are shown before you confirm. What you do not get told is the rate itself in advance, so treat the final amount as variable rather than as a fixed cost.
• *Withdrawing cash.* Not possible. There is no ATM feature and cash withdrawal from the virtual card is not provided. If you plan to take money out, this card has no path to it, and the workarounds people suggest are not things this card supports.

On limits: the daily figures are given in USDT equivalent and only for cashless use — Advanced 100,000, Professional 300,000, Ultra none. Those are ceilings, not allowances you are expected to reach. The $15,000 cap on a single operation and the $10,000 cap per top-up are the numbers most likely to touch ordinary life if you are running a business through this thing.

Top up: rubles in, dollars on the balance

The documented route is rubles over SBP from a Russian bank card, credited to your USD balance. That is it. No crypto is required for the card per the card page. A separate “Withdraw crypto to card” service exists, and its conditions are not shown — so if your plan is to fund from a stablecoin, you are relying on terms you cannot read.

Top-up fee is $0 on Subscriptions and Universal. Minimum $10, maximum $10,000 per top-up. Rubles via SBP. The network fee payer is not stated for the crypto route.

The currency mechanics matter more than the fee line. The balance is USD, single currency. Ruble funding is converted to USD. So you are exposed to the rate at the moment of top-up, on top of any card-side conversion on the way back out, and you only find out the rate you got after the fact. For someone spending dollars on dollars, that is a clean setup. For someone whose income is in rubles and whose spending is in dollars, it is two conversions in one purchase cycle and nobody has told you the spread on either.

A balance-return or account-closure fee may be set by the tariff, with no amount stated. That is the number I would ask about first, because it is the one that applies when you are closing, not opening. The terms say the remaining balance is paid out after AML checks — money out is not instant, and it is gated.

Paying with it every day

Apple Pay and Google Pay are supported, depending on the card, device, region and issuer. Blocked categories are not stated. Because this is a virtual card, adding it to a phone wallet is likely to be your main way of paying — but the wallet support is conditional on factors the card does not fully enumerate, so treat it as probable rather than guaranteed for your specific card and phone.

There is no cashback and no loyalty programme described. The only extras are promo codes. The card’s own reasoning is visible in this: it is a functional instrument, and the rewards budget went into the promotional price instead.

It is a web service — no App Store or Google Play rating was found, which tells you something about how much weight to put on third-party store sentiment when you read reviews. There is no physical delivery to wait for; card details appear in about 30 seconds.

If something goes wrong with a payment, the route matters more than usual here. Card-related refunds and chargebacks are handled by the card providers, not by the platform. You make a written claim through support, the operator answers within 30 calendar days, and then it goes to court or arbitration. Confirmed exchanges are final. Thirty calendar days is the clock on a claim you file in one country about money that moved through another, and “confirmed exchanges are final” is doing real work in that sentence.

What can go wrong

The general risks in this category are worth knowing before the specific ones, because they are the reason a card like this scores 4/10 on reliability even when nothing has gone wrong for you yet.

The trust chain has three links and the card is only the front of it. A payment card number starts with a 6- or 8-digit issuer identification number that tells a merchant which institution and country issued it; the rest is an account identifier and a check digit. Merchants can look that up and may apply extra scrutiny when the issuer country differs from your billing address — which is why a card issued in one country can look foreign to a shop in another. In a crypto card, the network (Visa or Mastercard) routes messages and sets rules, the issuer — a licensed bank or e-money institution — actually holds the programme, and the crypto brand is often only a programme manager or front end. Aifory Pro states it is not a bank or a card issuer. Cards are issued through golden-card.ru by third-party providers. Licences are not stated. So when I write “who is behind this card,” the honest answer is: CRYPTOBRIDGE, CORP. (Panama) is responsible for the crypto side only, and the card programme belongs to a provider whose regulatory status is not published.

Custody and freezing are unstated. Whether the funds are custodied, and whether cards can be frozen or have 2FA, is not stated. What is stated is the other direction: the operator may block accounts and freeze funds on AML or sanctions grounds. That asymmetry — discretion to freeze is stated, protections are not — is worth sitting with.

Prepaid cards look different at the checkout. A prepaid card draws on a stored balance, while a standard debit card asks your bank to withdraw from a linked account at purchase. Many crypto cards behave like prepaid ones, which matters because some merchants decline prepaid or foreign-issued cards once the issuer lookup reveals the type. Address Verification Service, which compares the numeric parts of the billing address you type with issuer records, is mainly offered in the US, Canada and the UK and is generally unavailable for foreign-issued cards, which can cause declines. Online payments may add a 3-D Secure step, branded Visa Secure or Identity Check depending on the network. And a declined authorisation can leave a hold on funds that stays for days, typically up to seven.

What users actually report. On partnerkin.com (header 29 reviews, about 7.8/10 average of visible scores, read 2026-10-21): a stalled refund and contradictory support (9 June 2026), an alleged scam via an exchange operator (2 May 2026), and verification holds on withdrawals (April and November 2025). Russian press notes the association of the search term with “scam.” These are user reports, not findings — but they cluster in a consistent shape: money stops moving, verification becomes the bottleneck, and support does not resolve it. No Trustpilot page was found. Official incidents: none found.

Support, concretely. [email protected], Telegram @AiforyPro_Tech_support, phone +7 (918) 716 07 60, and a contact form. Support is provided in Russian. Hours are not stated — so if your money is stuck at 3 a.m. on a Sunday, nobody has told you when anyone will read your message.

Where you stand if it collapses. Programmes in this category do close. Visa terminated its global agreements with FTX on 13 November 2022 and the FTX US debit card was wound down by its issuer; WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued Visa programmes. The typical sequence in a closure is a notice period, then spending and loading stop, then users are asked to withdraw remaining balances. One 2026 closure reported by a secondary source had new loads ending 8 July 2026 and spending stopping 8 August 2026 — single source, unconfirmed. Your claim route is 30 calendar days to an answer, then court or arbitration. Plan for that before you load a large balance, not after.

And the category’s own platform risk. Custodial platforms have a history: Mt. Gox (about US$350 million reported stolen, 2011–2014), Coincheck (about US$400 million, 2018), Ronin Network (US$625 million, 2022). A seed phrase is typically 12 to 24 unencrypted words, and anyone who obtains it can restore the wallet and spend the funds; blockchain transfers are typically irreversible with no built-in recovery. Tether says it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity, so stablecoins are not censorship-proof.

What to take instead

The alternatives below score higher than this card, and it is worth being specific about why rather than just higher.

Read that table with the caveats attached, because the alternatives are thinner on paper than the scores suggest. CardFlow’s and HyperCard’s fees are simply not stated on the pages that could be read — a missing number is not a zero, and you should treat “not stated” as unknown until you have read the tariff yourself. CardFlow has no country list or exclusions stated at all, and HyperCard’s “more than 176 countries” is acceptance, not eligibility: it describes where the card works, not who can open one. CardFlow’s funding networks are not stated, HyperCard’s networks are not stated and its card network is not stated on the App Store page.

Card.fi is the one that is materially more developed, and also the one with the clearest value-add: real cashback rather than promo codes, tiers with differentiated top-up and FX fees (Classic 1.5% + $1.00 and 3.5% FX; Premium 1% and 2.5% FX), a named 32 coins across 5 networks with USDT, USDC, ETH, BNB, SOL and KAANCH, a deposit address per card, conversion at market rate on arrival, and a physical option including a stainless steel card. Its terms bar residents of, or orders from, a country subject to sanctions that would prohibit the service. Two cautions on it: wrong chain risks permanent loss, and the headline 10% at coffee shops is capped at 10 USDT/month. Its highest cashback band on Metal is variable, described as “up to 18%” on balances.

Who I would recommend it to

I would recommend it to one person. You are in Russia or hold Russian documents, you have no usable international card, you pay online in dollars or need a dollar balance, and you are treating the balance as money you can afford to lose or have delayed — subscriptions, hosting, small tools, ad spend. In that case the card does the job: issued in about 30 seconds, Apple Pay and Google Pay supported, $0 maintenance, $0 top-ups on the two main cards, no ATM you will miss because there was never one.

I would not recommend it to you if any of these are true.

• You are putting money on it that you cannot replace quickly. Balance return can carry a fee of an unstated amount and is paid out after AML checks; complaints in the visible reviews centre on refunds that stalled and withdrawals held for verification.
• You need cash. There is no ATM feature and no cash withdrawal from the virtual card.
• You are choosing a card for rewards. No cashback, no loyalty programme — promo codes only.
• You want a bank. CRYPTOBRIDGE, CORP. (Panama) is responsible for the crypto side only; the card comes from third-party providers via golden-card.ru; Aifory Pro says it is neither a bank nor an issuer; licences are not stated.
• You intend to fund from crypto and have read no terms. The “Withdraw crypto to card” service has conditions not shown, and the network fee payer is not stated.
• You live somewhere where your citizenship rules matter. The terms require you to confirm that use does not violate the law of your country of citizenship or residence.

If you are somewhere else entirely: A Pro is described as issued to clients from Russia, with no list of blocked countries and work in 190 countries. Those are two different claims — where the card works, and who it is issued to. If you are reading this outside Russia and trying to work out whether you can open one, the page does not answer that, and I am not going to answer it for it either. Your exchange, your issuer’s country and your own citizenship law are the things that decide it, and those are yours to check.

Two smaller things worth knowing before you decide anything about crypto funding generally, since this card’s own terms make them relevant. Stablecoins aim to hold a stable value but are not necessarily stable: TerraUSD collapsed in May 2022 and USDC temporarily lost its peg in March 2023 during the US banking crisis. And on Ethereum, ERC-20 fees are paid only in ETH, so a wallet holding USDT with no ETH cannot send it; on Tron, fees are paid via bandwidth and energy resources, often burning TRX, and Circle stopped supporting USDC on Tron in February 2024. On-chain network fees for your deposit are charged by the blockchain, not by the card provider — which is another reason the terms not shown on the crypto route matter.

Frequently asked questions

What is the A Pro card?

The A Pro card is a virtual payment card with a US dollar balance, offered in Visa and Mastercard options, issued to clients from Russia and usable in 190 countries, including the US and Turkey. There is no plastic version — it exists only as card details you add to Apple Pay, Google Pay or an online checkout. It is a debit card, not a credit card: it spends only what you have loaded. The platform operator is CRYPTOBRIDGE, CORP. in Panama, and Aifory Pro states it is neither a bank nor a card issuer.

Is A Pro a bank, and who actually stands behind it?

No. Aifory Pro states plainly that it is not a bank and not a card issuer, and licence information is not stated on the pages that describe the card. CRYPTOBRIDGE, CORP. (Panama, Folio Mercantil 155787480) is responsible for the crypto side only, and the cards themselves are issued through golden-card.ru by third-party providers. In practice that means your card programme belongs to a provider whose regulatory status you cannot read from the card’s own pages.

Who can get the card, and does it work everywhere?

Issuance is for clients from Russia, and the card is stated to work in 190 countries. There is no list of closed countries, and persons listed under sanctions are not served. The terms require you to confirm that your use does not violate the law of your country of citizenship or residence — note that citizenship, not just where you live. If you are not in Russia and wondering whether you can open one, the card’s own pages do not answer that.

Does the card require KYC, and how long does approval take?

You choose a verification level: Basic needs no check, Advanced needs an ID document, Professional adds proof of residential address, and Ultra adds a bank statement or property documents. Age is 18 and over. Review can take up to 30 business days and may be extended, and checks can include a selfie with your document and a video. Once cleared, issuance is usually minutes — or hours with extra checks — with card details appearing in about 30 seconds.

What does the card cost, including maintenance?

The list price of Universal A Pro is 5,000 ₽, or 2,190 ₽ with a promo code. The Subscriptions card is 4,990 ₽, or 1,290 ₽ with a promo code. Universal is 4,990 ₽, or 2,490 ₽ with a promo code, and PREMIUM is 4,990 ₽. Maintenance is $0, top-up is $0 on Subscriptions and Universal, and the purchase fee is 0.8 USD on Subscriptions and $0 on Universal. Be aware that unofficial Russian review figures conflict with these.

Are those fees actually right, given what people say?

There is a genuine conflict here. Russian review blogs on dtf.ru (2025–2026) list a purchase fee of “$1 + 0.4%” and top-ups from 3.5%, which contradicts the official page showing 0.8 USD and $0. Those third-party figures are unofficial and not confirmed by the card. Also, the card page lists several prices for the same Universal card — 4,990 ₽ in one line and 5,000 ₽ for Universal A Pro in another — so check the exact product name before you rely on either.

How do I top it up, and can I top up with crypto?

The documented method is rubles via SBP from a Russian bank card, credited to your USD balance, with no crypto required for the card itself. Minimum $10, maximum $10,000 per top-up, $0 fee on Subscriptions and Universal. A separate “Withdraw crypto to card” service exists but its conditions are not shown and the network fee payer is not stated. Rubles are converted into USD, so the rate you receive depends on the moment you top up.

Can I use the card for everyday payments and at an ATM?

Everyday online payments are the card’s strength: Apple Pay and Google Pay are supported depending on the card, device, region and issuer, and blocked categories are not stated. At an ATM, no — cash withdrawal from the virtual card is not provided. There is no physical card either, so anything that needs a card read from a stripe or inserted into a machine is out of reach. Some merchants also decline prepaid or foreign-issued cards once the issuer is looked up.

What happens if a payment goes wrong or a refund stalls?

Refunds and chargebacks on card payments are handled by the card providers, not the platform. You file a written claim through support, the operator answers within 30 calendar days, and then it goes to court or arbitration; confirmed exchanges are final. Support reaches [email protected], Telegram @AiforyPro_Tech_support, phone +7 (918) 716 07 60 and a contact form, in Russian — hours are not stated. User reports on partnerkin.com include a stalled refund and contradictory support in June 2026.

Is the card safe, and how much of my money should sit on it?

I would not put money on it that you cannot replace quickly. Custody is not stated, whether cards can be frozen or have 2FA is not stated, and the operator may block accounts and freeze funds on AML or sanctions grounds. Official incidents were not found, but the visible user reports cluster around stalled refunds, fraud claims via an exchange operator and verification holds on withdrawals. Balance return or closure may also carry a fee set by the tariff, with no amount stated, and payouts come after AML checks.

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