为什么只有vip才可以申请
既然只有vip才可以申请，什么时候普通用户也可以申请？
点赞推荐下载
信用卡消费太方便快捷了，超爱
很不错的应用，五星好评
点赞
非常不错
非常便捷，解决了我的日常问题
Free
About
This app allows you to spend your cryptocurrency like cash using a crypto credit card and earn high yields on your deposits. Convert digital assets to fiat seamlessly and enjoy zero-fee transactions with robust security features.
✓Instant crypto spending via Apple Pay/Google Pay
✓High-yield crypto savings accounts
✓Zero-fee transactions
✓Seamless crypto to fiat conversion
✓Cold storage and encryption for security
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What's New in TopU
1.0.6
January 5, 2026
Internal transfer optimization.
User reviews
Developer apps
FAQ
What is TopU?
TopU is a crypto credit card and savings platform that lets you spend BTC and USDT instantly and earn up to 5% APY on deposits. It facilitates seamless crypto-to-fiat conversion and offers zero-fee transactions.
How secure is TopU?
TopU prioritizes security with features like cold storage, encryption, and full asset control, ensuring your digital assets are protected.
Can I use TopU with Apple Pay or Google Pay?
Yes, TopU allows instant spending by connecting with Apple Pay and Google Pay, enabling you to use your crypto like cash.
Does TopU charge any fees?
No, TopU offers zero-fee transactions for spending, conversions, and cross-border usage, making it cost-effective for users.
What is the APY for crypto savings on TopU?
TopU offers high-yield earnings on crypto savings, with rates up to 5% APY on flexible crypto deposits.
What devices does TopU support?
TopU is available on iPhone and iPad, catering to users on the Apple ecosystem.
How often is TopU updated?
The latest version of TopU is 1.0.6, and it was last updated on January 5, 2026, indicating regular maintenance and updates.
What is the age rating for TopU?
TopU has an age rating of 17+, suggesting it is intended for mature users due to its financial and cryptocurrency-related functionalities.
