How Bitunix Card Works

When you make a purchase with your Bitunix Card, the payment is completed through the following steps.

1.1 Prepare Your Funds

Before using your Bitunix Card, make sure:

• Your Bitunix Card has been successfully issued and linked to your Bitunix account.
• Your Bitunix account holds eligible crypto assets for spending (currently USDT only).

1.2 Crypto-to-Fiat Conversion

Transfer your USDT from your Bitunix Spot Account to your Bitunix Card Account.

Once the transfer is completed, Bitunix will automatically convert your USDT to USD at a 1:1 ratio, and the USD balance will be credited to your Bitunix Card Account for spending.

1.3 Make a Payment

You can use your Bitunix Card in multiple ways:

• Enter your card number, expiration date, and CVV for online purchases.
• Link your card to supported third-party wallets, such as LINE Pay, Alipay, and WeChat Pay.
• Add your card to Apple Pay or Google Pay and pay at participating merchants.
• Pay with your physical card by inserting or swiping it at Visa-enabled POS terminals.
• Make contactless payments with your physical card at NFC-enabled POS terminals.

1.4 Authorization and Settlement via the Visa Network

When a payment is initiated, the transaction is authorized and settled through the Visa network.

If the purchase is made in a currency other than USD, the applicable foreign exchange conversion and related fees (if any) will be calculated automatically and reflected in your transaction record.

1.5 Merchant Receives Payment

The merchant receives payment in their local currency.

The equivalent amount will be deducted from your Bitunix Card Account, and the completed transaction will appear in your transaction history.

Supported Payment Methods

Bitunix Card supports a wide range of payment scenarios, including:

• In-store payments at merchants that accept Visa.
• Online shopping by entering your card number, expiration date, and CVV on e-commerce websites, travel booking platforms, subscription services, and more.
• Contactless payments using NFC-enabled payment terminals.
• Mobile wallet payments through Apple Pay or Google Pay.
• As long as a merchant accepts Visa, you can generally use your Bitunix Card to complete your purchase.

Transaction Currency & Exchange Rates

When you make purchases in different countries or regions, currency conversion may be required.

The typical payment flow is as follows:

1. The merchant submits the transaction in the local currency.
2. The payment is authorized through the Visa network.
3. The transaction amount is converted using the applicable exchange rate.
4. The equivalent amount in USD is deducted from your Bitunix Card Account.
5. For international transactions, foreign exchange fees and exchange rate markups may apply. Please refer to the Fee Schedule for details.

Important

When traveling internationally, always choose to pay in the local currency of the country you are visiting.If a merchant offers to charge you in USD, they may use Dynamic Currency Conversion (DCC), which can include an additional exchange rate markup of 3%–8%.DCC fees are charged by the merchant or its payment provider and are not charged or controlled by Bitunix.Choosing the local currency allows Visa to perform the currency conversion, which typically provides a more competitive exchange rate.

Crypto Cashback Rewards

Eligible purchases made with your Bitunix Card can earn crypto cashback rewards based on your VIP level.

The higher your VIP level, the higher your cashback rate.

For more information, please refer to:

• Introduction to Card Rewards

Disclaimer

This article is not intended to provide:

(i) investment advice or investment recommendations;

(ii) an offer, invitation, or solicitation to buy, sell, or hold digital assets;

(iii) financial, accounting, legal, or tax advice.

Digital assets (including stablecoins and NFTs) involve high risk and may be highly volatile. You should carefully consider whether trading or holding digital assets is suitable for you based on your financial situation. For your specific circumstances, consult your legal, tax, or investment professionals. You are responsible for understanding and complying with all applicable local laws and regulations.