# TopU:Crypto Card&Spend USDT

> Crypto credit card and savings platform for spending and earning with digital assets. (iPhone/iPad app by Top Cdt Technology Limited.)

- Source: https://appshunter.io/ios/app/topucrypto-card-and-spend-usdt/id6744718528 (this page in markdown: same URL + `.md`)
- Developer: [Top Cdt Technology Limited](https://appshunter.io/developer/1750452318)
- Category: Finance
- Price: Free
- Rating: 4.30/5 from 3 App Store ratings · 4 written reviews indexed
- Age rating: 17+
- Requires: iOS 16.6 · 171 MB
- Languages: American English, Arabic, Chinese (Simplified, China), Chinese (Traditional, Taiwan)
- Released: 2025-05-07
- Data updated: 2026-06-01
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/topucrypto-card-and-spend-usdt/id6744718528/reviews.md

## What is TopU?

TopU is a leading crypto credit card and savings platform, enabling instant spending with BTC and USDT and high-yield earnings up to 5% APY. Convert crypto to fiat seamlessly, enjoy cashback, and unlock the power of your digital assets!

-Instant Spending: Connect with Apple Pay/ Google Pay, use crypto like cash.
-Crypto Savings: Flexible crypto deposits with high-yield returns
-Zero-fee Transactions: No fees on spending, conversions, or cross-border usage
-Ironclad Security: Cold storage, encryption & full asset control

Download the TopU App now and spend your crypto anywhere! 
Visit: www.topu.com or email: support@topu.com

## Key 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

## Recent user reviews (4 of 4)

All indexed reviews: https://appshunter.io/ios/app/topucrypto-card-and-spend-usdt/id6744718528/reviews.md

### 3/5 — 为什么只有vip才可以申请

*2025-05-28*

既然只有vip才可以申请，什么时候普通用户也可以申请？

### 5/5 — 点赞推荐下载

*2025-05-19*

信用卡消费太方便快捷了，超爱

### 5/5 — 很不错的应用，五星好评

*2025-05-19, version 1.0*

点赞

### 5/5 — 非常不错

*2025-05-11, version 1.0*

非常便捷，解决了我的日常问题

## Frequently asked questions about TopU

### 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.

## Version history (last 5 releases)

### 1.0.6 — 2026-01-05

Internal transfer optimization.

### 1.0.5 — 2025-10-26

1.Fix known issue

### 1.0.4 — 2025-08-25

Optimize startup speed

### 1.0.3 — 2025-07-25

1. Optimize financial management display
2. Bug fixes and performance optimization

### 1.0.2 — 2025-07-01

Optimizing eSIM card

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| --- | --- | --- | --- |
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| [Bleap: Finance & Crypto Card](https://appshunter.io/ios/app/bleap-finance-and-crypto-card/id6467641662) | 2.7 (7) | Free | Finance |
| [UP Business](https://appshunter.io/ios/app/up-business/id6476168274) | 3.2 (9) | Free | Finance |
| [Avalanche Card - Pay Anywhere](https://appshunter.io/ios/app/avalanche-card-pay-anywhere/id6737233538) | 3.1 (24) | Free | Finance |
| [Tuyo: Buy Now, Pay Maybe](https://appshunter.io/ios/app/tuyo-buy-now-pay-maybe/id6470110305) | 4.6 (118) | Free | Finance |
| [UPay Wallet](https://appshunter.io/ios/app/upay-wallet/id6745806643) | 2.4 (5) | Free | Finance |

## More apps by Top Cdt Technology Limited

- [TopE](https://appshunter.io/ios/app/tope/id1525081932)
- [汇信钱包](https://appshunter.io/ios/app/id1576350923)

All apps by Top Cdt Technology Limited: https://appshunter.io/developer/1750452318

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-01.*