# How to Issue and Use Coin98 Fusion Card

### What is a Coin98 Fusion Card?

Coin98 Fusion Card is a Visa card linked to your Coin98 Super Wallet - top up with crypto and spend like cash anywhere Visa is accepted: online, in-store, or via Apple/Google Pay where supported. Currently available to residents in the APAC region.

### How it works

You can use your crypto for daily payments in a few steps:

1. **Register and activate your Coin98 Fusion Card:** Pay a one-time fee and complete email and KYC verification to get started
2. **Top up:** Add crypto to your card anytime
3. **Spend anywhere:** Use your Coin98 Fusion Card online/offline with Apple/Google Pay wherever VISA is accepted.

### Register and activate your Coin98 Fusion Card

**Step 1:** Register your Coin98 Fusion Card

1. Open Coin98 Super Wallet and slide the Home screen to the right to access the Coin98 Fusion Card screen;
2. Tap **Get Your Card**

{% hint style="info" %}
You can scroll down to see Q\&A section to know more about the card
{% endhint %}

<figure><img src="https://2549780185-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FirKWZRA5WMZ5uBeDGB96%2Fuploads%2FGYbnV1PtplZ70Py9jBAB%2Funknown.png?alt=media&#x26;token=5e9c731f-4961-46b9-8e34-6519d3d42d62" alt=""><figcaption></figcaption></figure>

3. Select your country code, then enter your phone number and click **Continue;**
4. Enter the receiving OTP sent to your phone.

<figure><img src="https://2549780185-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FirKWZRA5WMZ5uBeDGB96%2Fuploads%2FI77b8eKIK7eiex41tCvb%2Funknown.png?alt=media&#x26;token=5007a9d8-12e3-44bc-8d38-70dbb995ae91" alt=""><figcaption></figcaption></figure>

5. Select a wallet, choose from the supported tokens, and click **Continue.**

*Supported tokens for card issuance:*

<table data-full-width="false"><thead><tr><th width="86.4765625">Token</th><th width="76.3828125" data-type="checkbox">BSC</th><th width="77.48828125" data-type="checkbox">ETH</th><th width="96.640625" data-type="checkbox">Viction</th><th width="133.26171875" data-type="checkbox">Avax C Chain</th><th width="111.296875" data-type="checkbox">Optimism</th><th width="81.91796875" data-type="checkbox">Base</th><th width="100.78515625" data-type="checkbox">Polygon</th></tr></thead><tbody><tr><td>USDT</td><td>true</td><td>true</td><td>true</td><td>true</td><td>true</td><td>true</td><td>true</td></tr><tr><td>USDC</td><td>true</td><td>true</td><td>true</td><td>true</td><td>true</td><td>true</td><td>true</td></tr><tr><td>C98</td><td>false</td><td>false</td><td>true</td><td>false</td><td>false</td><td>false</td><td>false</td></tr><tr><td>VIC</td><td>false</td><td>false</td><td>true</td><td>false</td><td>false</td><td>false</td><td>false</td></tr></tbody></table>

{% hint style="info" %}
**Note:**&#x20;

Zen Wallet is currently not supported for paying the card.
{% endhint %}

6. Review the token, chain, gas fee, and then **Slide To Pay.**

Make sure to prepare a small amount of native token to pay for the gas fee.

You’ll see "Paid successfully" once it's done.

{% hint style="success" %}
**Note:**&#x20;

This is a one-time fee to issue and activate your card
{% endhint %}

<figure><img src="https://2549780185-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FirKWZRA5WMZ5uBeDGB96%2Fuploads%2FgoyqnAwpv08q8SvHKTGv%2Funknown.png?alt=media&#x26;token=3a2e46ec-baa8-4ad2-833d-beb0f18f97bb" alt=""><figcaption></figcaption></figure>

**Step 2**: Verify your Email

1. On the Card activation progress, click **Verify** to verify your email
2. Enter your email address and click **Continue**.
3. Enter the OTP sent to your email.

<figure><img src="https://2549780185-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FirKWZRA5WMZ5uBeDGB96%2Fuploads%2FhftcMC8QhCeglGt0degH%2Funknown.png?alt=media&#x26;token=0d0af5b1-a1c8-4acc-9e40-c180a42ca224" alt=""><figcaption></figcaption></figure>

**Step 3.** Complete the KYC verification.

1. On the Card activation progress, click **Start KYC.**
2. Follow the on-screen flow to submit ID and documents as required.
3. The status shows Processing. Once it is approved, the card will be ready to use.

<figure><img src="https://2549780185-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FirKWZRA5WMZ5uBeDGB96%2Fuploads%2F2eZc8kTgH5pPsfpU8rME%2Funknown.png?alt=media&#x26;token=19d0dbf2-d2d1-4569-b180-cd67615b1a99" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}
**Note:**

1. Accepted documents include a **Citizen ID, Driver’s License, or Passport**.&#x20;
2. The document must be valid for **more than 3 month**s, and only a **photo of the original physical document** is accepted for verification.
   {% endhint %}

<figure><img src="https://2549780185-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FirKWZRA5WMZ5uBeDGB96%2Fuploads%2FLGw0TDNmVAZucMiBydys%2Fimage.png?alt=media&#x26;token=e3da6b34-1fa6-4832-8676-c9caf17c2c1e" alt="" width="296"><figcaption></figcaption></figure>

### Top up to use the card online/offline

**Step 1:** Click **Top up** on the card.

**Step 2**: Fill in the information in the Travel Rule screen:

* Full name, date/place of birth
* ID type and number, issuing country
* Address & postal code

{% hint style="danger" %}
**Note :**&#x20;

1. Travel Rule verification is required by regulations. Please provide accurate information to ensure your transactions are legal, safe, and can be processed internationally
2. Updating the Travel Rule information is required to receive funds into the account.
   {% endhint %}

**Step 3**: Choose from the supported tokens (for example: USDT on Polygon) and enter the amount

*Supported tokens for top up:*

<table data-full-width="false"><thead><tr><th>Token</th><th width="116.62109375" data-type="checkbox">Ethereum</th><th width="112.2734375" data-type="checkbox">Solana</th><th width="117.265625" data-type="checkbox">Polygon</th><th width="109.75" data-type="checkbox">Base</th><th data-type="checkbox">Tron</th></tr></thead><tbody><tr><td>USDT</td><td>true</td><td>true</td><td>true</td><td>false</td><td>true</td></tr><tr><td>USDC</td><td>true</td><td>true</td><td>true</td><td>true</td><td>false</td></tr></tbody></table>

{% hint style="warning" %}
Note: Zen Wallet is currently not supported for topup
{% endhint %}

**Step 4**: Review the information: top-up fee & gas then **Slide to Top Up.**

{% hint style="danger" %}
Note: Top up must be from your existing wallet address in the Coin98 Super Wallet. If you have insufficient balance, you can select options to deposit or buy directly.
{% endhint %}

<figure><img src="https://2549780185-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FirKWZRA5WMZ5uBeDGB96%2Fuploads%2FbtGbduKhVnZyk8iS5nN0%2FScreenshot%202025-11-13%20at%2012.02.50.png?alt=media&#x26;token=f083c255-713e-4fe1-855d-eb378cdc0996" alt=""><figcaption></figcaption></figure>

### Add the card to Apple/Google Pay&#x20;

From the card screen, tap **Add to Apple Pay** on iOS (or Add to Google Pay on Android) and follow the guide.

Once added, you can tap-to-pay in stores and pay online where supported.

<figure><img src="https://2549780185-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FirKWZRA5WMZ5uBeDGB96%2Fuploads%2FgyS3UWv53q51XIDXpSLR%2FScreenshot%202025-11-13%20at%2011.55.02.png?alt=media&#x26;token=41c754fe-08d9-4b3e-a074-0082df3425ec" alt=""><figcaption></figcaption></figure>

### Managing your card

#### View card details

Tap the card number on the top of the card => choose **View card details**

{% hint style="warning" %}
Note: if your card is locked, you need unlock it first to view card details
{% endhint %}

<figure><img src="https://2549780185-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FirKWZRA5WMZ5uBeDGB96%2Fuploads%2FSIp9OsNNA9lVPaASLmK0%2FScreenshot%202025-11-13%20at%2012.13.15.png?alt=media&#x26;token=a038012f-2618-4c0e-b0c3-0d4eb4f3771f" alt=""><figcaption></figcaption></figure>

#### Lock the card&#x20;

Tap the card number on the top of the card => choose **Lock card** => click **Lock Card.**

<figure><img src="https://2549780185-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FirKWZRA5WMZ5uBeDGB96%2Fuploads%2FWnh1Eilj9si1BpLdcoys%2FScreenshot%202025-11-13%20at%2012.07.21.png?alt=media&#x26;token=f9fddd88-c406-4afe-a1ff-a6d072dff55b" alt=""><figcaption></figcaption></figure>

#### Unlock the card

Tap the Unlock Card icon on the middle of the card. Click **Unlock** => enter PIN and OTP to confirm.

<figure><img src="https://2549780185-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FirKWZRA5WMZ5uBeDGB96%2Fuploads%2Fpf6GG7Zpg5oI1EkMweVg%2FScreenshot%202025-11-13%20at%2012.10.24.png?alt=media&#x26;token=2686ca6f-6c41-4a17-8bd8-013edf0e7635" alt=""><figcaption></figcaption></figure>

### Common Issues

> If you have any questions or issues that are not covered in this FAQ, please contact Livechat for further assistance.
>
> * All card-related matters, including card actions, verifications, and resolutions are handled by the service provider (DCS)
> * Coin98 serves as a communication bridge between users and the service provider. We collect user requests via Livechat and coordinate with the service provider for resolution. Once the process is completed, Coin98 will update you with the result.
> * Estimated processing time is up to 7 business days.

<details>

<summary>Verification &#x26; Update Information</summary>

For any card-related requests, including verification or updating your card information, please contact Livechat and provide:

* Full Name (as registered in the system)
* Registered Email Address & Mobile Number (used during account creation or last update)
* Date of Birth or NRIC/Passport Number (only for identity-sensitive queries)

If you want to update your information, please specify the details to be changed, for example:

* Full Name: Registered → New
* Mobile Number: Registered → New
* Email Address: Registered → New
* Mailing Address: Registered → New

</details>

<details>

<summary>Check Card Application Status</summary>

If you want to check your card application status, please go to the official Telegram channel: <https://t.me/dcsweb3card\\_bot>

{% hint style="danger" %}
Note: This link is only for checking card application status. Do not use it for other card issues. For all other enquiries, please reach out via Livechat.
{% endhint %}

</details>

<details>

<summary>Unauthorized transaction</summary>

Immediately lock your card in the app. (See “How to lock your card” guide)\
Provide the following to Livechat so we can report it for investigation:

* Registered Card Name
* Registered Phone Number
* Screenshot or receipt of the transaction
* Transaction date and time
* Transaction amount

</details>

<details>

<summary>Insufficient Balance</summary>

This is a micro credit card, which may allow small purchases (e.g., transportation fees) even with an insufficient balance, causing a negative balance.

If your card doesn’t work after topping up, please provide the following to Livechat:

* Registered Card Name
* Registered Phone Number
* Screenshot of the failed transaction
* Screenshot of your account balance
* Screenshot of the latest successful transaction

</details>

<details>

<summary>Top-up not credited</summary>

Before reporting, please verify that:

* You scanned the correct QR code.
* The paid amount matches the displayed amount exactly.

If the top-up is still not credited, please provide the following to Livechat so we can assist in escalating to the FOMO team:

* Registered Card Name
* Registered Mobile Number
* Transaction Hash (TXID)
* Date and Time
* Top-up Amount
* Platform Used (e.g., Binance, OKX, etc.)
* Screenshot of the Transaction Receipt

</details>

<details>

<summary>OTP not received</summary>

Please try these steps first:

1. Check that your mobile number is correct.
2. Wait at least 60 seconds before requesting a new code.
3. Each OTP is valid for 5 minutes.

If the issue persists, please contact Livechat with your Registered Card Name and Phone Number for assistance.

</details>

### FAQ

<details>

<summary>1. What fees will I be charged for using Coin98 Fusion Card?</summary>

You will be charged a one-time card issuance fee (no annual fee). A 1% fee will be charged on each top-up by Coin98 and the service provider (DCS).

</details>

<details>

<summary>2. Can I suspend my card?</summary>

Yes. You can suspend your card by locking it in the app. While the card is locked, it cannot be used for payments. You can unlock it at any time to use it again.

</details>

<details>

<summary>3. Can I apply for a physical card?</summary>

Physical cards are currently under development.

</details>

<details>

<summary>4. How do I recover my Coin98 Fusion Card account if I lose my wallet?</summary>

Your card is separate from your wallet and linked to your phone number, so you can still use it for spending as usual even if you lose access to your wallet (e.g., by losing or forgetting your seed phrase). Simply log in with your registered phone number to access your card.

If you lose access to your phone number, you won’t be able to top up. In that case, it’s recommended to spend any remaining balance, discard the old card, and issue a new one.

</details>

<details>

<summary>5. Can I withdraw from the card, and what is the withdrawal limit?</summary>

Yes, you can withdraw cash from your Coin98 Fusion Card at any supported ATM.\
The withdrawal limit is **up to SGD 10,000 per day** and **up to SGD 100,000 per month**.\
A **1% withdrawal fee** or **SGD 5** (whichever is higher) applies to each transaction.

</details>

<details>

<summary>6. What is the spending limit of Coin98 Fusion Card?</summary>

Up to SGD200,000 (12-month rolling limit)

*You can contact us if you wish to request a higher limit.*

</details>