Tangem is introducing Tangem Pay, a brand new option to spend on-chain Polygon-based USD Coin
$0.9995
with a digital Visa card, instantly from the Tangem Pockets app. The rollout begins in late November 2025 and can steadily develop throughout america, Latin America, and key Asia-Pacific nations, with customers onboarded in batches from the waitlist.
What’s Tangem Pay & Use It?
Tangem Pay is a non-custodial cost account constructed into the Tangem Pockets app. It’s essential have a {hardware} Tangem Pockets to make use of it. As soon as Tangem Pay reaches your area, right here’s what you’ll must do if you wish to use it:
Tangem Pockets stays a self-custodial {hardware} pockets the place you management your keys anonymously. Tangem Pay sits subsequent to it as an non-compulsory, regulated function for individuals who wish to use stablecoins in day-to-day life.
Unused USDC might be withdrawn again to your Tangem Pockets at any time, for the reason that funds are held in a non-custodial sensible contract account.
How Tangem Pay Works In-Depth
Tangem Pay combines a self-custody setup with a normal card cost circulation. Your USDC is held in a wise contract account on Polygon, however the management over this account is cut up between two keys: one held by you and one by Rain, Tangem’s impartial issuing accomplice.
That mentioned, Rain can solely transfer funds that you’ve got already authorised via a card transaction.
Once you pay together with your Tangem Pay card, the required USDC quantity is deducted out of your sensible contract account. The transaction is settled on-chain and processed via Visa in USD at a 1:1 fee. The service provider receives cost within the traditional means through the Visa community.
If a transaction is declined, your funds stay untouched. And if the cardboard is frozen, it’s merely disconnected from the Visa community. So, nobody has entry to the remainder of your stability.
To maintain issues clear, your Tangem Pay spending stability is separate out of your primary Tangem Pockets holdings. Subsequently, your Tangem {hardware} pockets stays a safe place for long-term storage, whereas Tangem Pay focuses on day-to-day spending.
Tangem Pay Charges, Currencies, and Limits
There will likely be no transaction charges, no month-to-month charges, and no charges to get the digital Tangem Pay card. You’ll solely pay the next:
Polygon fuel charges when topping up your Tangem Pay account (paid to the community, to not Tangem).Visa’s customary FX and cross-border charges should you spend in a forex aside from USD.
At launch, Tangem Pay will help native USDC on Polygon. Different stablecoins and networks are deliberate for future updates. ATM withdrawals and direct spending from different tokens or chains is not going to be out there but.
Compliance and Privateness
Tangem Pay is powered by Paera LLC, a US-based cost infrastructure firm. The cardboard is issued by Third Nationwide and supported by companions together with Visa, Rain, Sumsub (for identification verification), Elliptic (for transaction monitoring), and others.
Tangem doesn’t see or retailer customers’ identification information. Pockets belongings, transaction historical past, and nameless self-custody stay separate. Customers can select whether or not to allow Tangem Pay with out altering how their primary pockets works.
Residents in supported areas who be part of the waitlist will likely be invited in waves because the service goes reside. Customers in different areas will see a waitlist display screen contained in the Tangem app and will likely be notified as protection expands.
Tangem plans to deliver Tangem Pay to the UK and European Union in early 2026, prioritising regulatory alignment underneath MiCA and broader entry to stablecoin funds for EU residents.
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