{"id":"ypt","hidden":false,"ipfs":"QmQpG9bZCoPe4DMPxbSapzV3S6yJq5gYcxT3beUyWVDS6A","language":"en","transactionHash":"0xad8f8366afbc97cabfde055efcb62ea2fd48da18472f0b857dcaec25138dbd95","created":"2025-05-08T09:14:39.184Z","updated":"2025-05-12T17:49:05.045Z","title":"YPT","summary":"YPT (Your Private Treasury) is a cryptocurrency payment service offering virtual and physical cards for spending supported digital assets.","content":"**YPT (Your Private Treasury)** is a card-based [cryptocurrency](https://iq.wiki/wiki/cryptocurrency) payment service that allows users to spend supported digital assets through virtual cards. YPT says its cards are accepted at more than 175 million merchants worldwide.[\\[9\\]](#cite-id-5xnx8xbte5)​\n\n## Overview\n\nYPT offers a card-based [cryptocurrency](https://iq.wiki/wiki/cryptocurrency) payment service. Its website says users can fund cards with USDT, [USDC](https://iq.wiki/wiki/usdc), BTC, and ETH and that its cards are accepted at more than 175 million merchants worldwide.[\\[9\\]](#cite-id-5xnx8xbte5)​\n\nYPT's safety documentation says that a licensed trust company holds digital assets and describes $50 million in insurance, identity verification through Sumsub, and a unique [blockchain](https://iq.wiki/wiki/blockchain) address for each user.[\\[11\\]](#cite-id-ywf7wt1ngq)​\n\n### Funding and Transaction Flow\n\nYPT's deposit instructions tell users to select a supported currency and network in the app, then deposit using the displayed QR code or payment-account details. After a successful recharge, the account balance refreshes.[\\[12\\]](#cite-id-x7a93xpik7)​\n\nYPT's consumption documentation says a card payment may require authorization in the app.[\\[13\\]](#cite-id-v5wdo42qwf) Its transaction guide describes statuses that generally move from Authorized to Settled and then Refunded, and provides typical authorization-to-settlement and refund timelines.[\\[14\\]](#cite-id-gpb47eqnhv)​\n\n## Products and Services\n\n### Virtual Card\n\nYPT offers a virtual card through its app.[\\[2\\]](#cite-id-RHcw2TnLB6) The company says users can fund it with USDT, [USDC](https://iq.wiki/wiki/usdc), BTC, and ETH.[\\[9\\]](#cite-id-5xnx8xbte5) YPT lists Apple Pay and Google Pay compatibility for its cards.[\\[9\\]](#cite-id-5xnx8xbte5)​[\\[5\\]](#cite-id-uwmE82SuLJ) YPT says users can spend [cryptocurrency](https://iq.wiki/wiki/cryptocurrency) without first converting it to fiat currency.[\\[9\\]](#cite-id-5xnx8xbte5)​\n\nYPT describes identity verification through Sumsub as part of its safety documentation.[\\[11\\]](#cite-id-ywf7wt1ngq) Users can set a six-digit Security PIN in the app.[\\[15\\]](#cite-id-fwvfyezsyp) YPT's support guide describes card-freeze controls and transaction-limit settings.[\\[16\\]](#cite-id-kv55okyas1)​\n\n### Physical Card\n\nYPT's website presents both virtual and physical cards.[\\[9\\]](#cite-id-5xnx8xbte5) The current iOS App Store listing documents physical-card categories, handling refunds for failed card orders, and shipment status and tracking.[\\[10\\]](#cite-id-8dwh1emvh3) YPT's materials describe ATM withdrawals as forthcoming.[\\[9\\]](#cite-id-5xnx8xbte5)​\n\n### Cryptocurrency Support\n\nUsers can fund YPT cards with multiple [cryptocurrencies](https://iq.wiki/wiki/cryptocurrency):\n\n* [USDT](https://iq.wiki/wiki/tether)\n* [USDC](https://iq.wiki/wiki/usdc)\n* [BTC](https://iq.wiki/wiki/bitcoin-btc)\n* [ETH](https://iq.wiki/wiki/ethereum)[\\[2\\]](#cite-id-RHcw2TnLB6)\n\nYPT's product documentation lists top-ups over the [Ethereum](https://iq.wiki/wiki/ethereum), [Tron](https://iq.wiki/wiki/tron), BNB Smart Chain (BSC; called [Binance](https://iq.wiki/wiki/binance) Smart Chain in YPT's documentation), [Polygon](https://iq.wiki/wiki/polygon), and [Bitcoin](https://iq.wiki/wiki/bitcoin) networks.[\\[5\\]](#cite-id-uwmE82SuLJ)​[\\[17\\]](#cite-id-yyxd15tajx) The documentation quotes a 1% transaction handling fee and a 1.2% foreign-currency conversion fee as published fee terms.[\\[5\\]](#cite-id-uwmE82SuLJ)​\n\n## Ecosystem\n\n### Mobile Application\n\nThe YPT mobile app provides account management, card applications, [cryptocurrency](https://iq.wiki/wiki/cryptocurrency) deposits, and transaction tracking, according to YPT's download page.[\\[2\\]](#cite-id-RHcw2TnLB6) The app is available on iOS and Android; the iOS listing documents physical-card categories, card purchase and refund flows, shipment tracking, remittance improvements, bill export, and Apple and Google quick sign-in.[\\[10\\]](#cite-id-8dwh1emvh3)​[\\[18\\]](#cite-id-tfo13e564p)​\n\n## Use Cases\n\nYPT's documentation lists online shopping, dining, travel, gaming, and technology purchases as use contexts.[\\[5\\]](#cite-id-uwmE82SuLJ) It also lists Alipay HK, PayPal, Apple Pay, Google Pay, Amazon, eBay, and YouTube as platforms that can be bound or tested.[\\[5\\]](#cite-id-uwmE82SuLJ)​\n\n## Partnerships\n\n* **ZeroSpace**: A \"value layer of social networks\" that transforms social media handles into universal crypto payment addresses[\\[3\\]](#cite-id-PwnDMgPCAT)\n* **4Metas/PLAYER DAO**: A partnership focused on on-chain gaming and payments[\\[4\\]](#cite-id-N632vIFmr1)\n* **SpiderPool, XHash, SumSub**[\\[1\\]](#cite-id-ERuw6fRqZo) Listed as a business partner on the YPT website[\\[1\\]](#cite-id-ERuw6fRqZo)\n* **OmniMCP:** The joint effort focuses on enabling users to build AI-driven tools for optimizing crypto-based spending across a global network of merchants.[\\[7\\]](#cite-id-80ZGh2imnD)\n* **Synbo Protocol:** This collaboration focuses on integrating [cryptocurrency](https://iq.wiki/wiki/cryptocurrency) payment capabilities with emerging [Web3](https://iq.wiki/wiki/web3) investment frameworks to support more efficient and decentralized capital deployment.[\\[8\\]](#cite-id-QVYPlCLjel)\n","recentActivity":null,"operator":{"id":"0x1e23b34d3106f0c1c74d17f2cd0f65cdb039b138"},"categories":[{"id":"projects-and-protocols","title":"Projects & Protocols"}],"tags":[{"id":"Payments"}],"images":[{"id":"Qmf8Ln9FqTETjw41rAcRmY947AR66oWT6wTns4NkRuMzB3","type":"image/jpeg, image/png"}],"media":[{"name":"1500x500.jpeg","id":"QmccjGpxArMnV7Sqgw6hxHUyeUtPD211kNrYtehh4Wq2vb","size":null,"type":null,"source":"IPFS_IMG"},{"name":"GnqOFd3asAAhaL8.jpeg","id":"QmTTcHSRoaY3U7BtNcGo4ZJA4ULswcq8kR3uVMqacRa1VP","size":null,"type":null,"source":"IPFS_IMG"},{"name":"스크린샷 2025-05-10 152453.png","id":"QmdGG71j4hJuzxTF12ezJ3axffJqKHTKNkHuSocXeTxx8H","size":null,"type":null,"source":"IPFS_IMG"},{"name":"스크린샷 2025-05-10 152520.png","id":"QmS1EteKtkwhASQ5Aeczttx7zFVWpicvfC8cQdi8mZpwWr","size":null,"type":null,"source":"IPFS_IMG"},{"name":"스크린샷 2025-05-10 152636.png","id":"QmQ7KqGnuwCpJuhpYVcRA4qcpaCp2TLswJJMtCLpTmcRzx","size":null,"type":null,"source":"IPFS_IMG"},{"name":"GqfJOyLbcAIRiSF.jpeg","id":"QmQ5KRkKuPfAWtQFPp2vCaqgaG5EijRAFzNkCRpFVyWaek","size":null,"type":null,"source":"IPFS_IMG"}],"linkedWikis":{"founders":[],"blockchains":[],"speakers":[]},"events":[{"title":"YPT announces partnership with 4Metas","date":"2025-03-01","type":"DEFAULT","description":"YPT announced a partnership with 4Metas and a joint promotional event.","link":"https://x.com/YPT_Official/status/1904826647137628533","country":"","continent":"","multiDateStart":null,"multiDateEnd":null,"id":"41301f31-d3b9-44f2-8a4a-12666d81bf4f"},{"title":"YPT announces partnership with ZeroSpace","date":"2025-04-01","type":"DEFAULT","description":"YPT announced a collaboration with ZeroSpace on crypto payment addresses linked to social media handles.","link":"https://x.com/YPT_Official/status/1912030844195332565","country":"","continent":"","multiDateStart":null,"multiDateEnd":null,"id":"cd87a27e-a45e-42ff-8730-9c80c61a8069"},{"title":"YPT announces partnership with OmniMCP","date":"2025-05-01","type":"DEFAULT","description":"OmniMCP announced a collaboration with YPT focused on AI-driven tools for crypto spending.","link":"https://x.com/OmniMCP/status/1920010408800272638","country":"","continent":"","multiDateStart":null,"multiDateEnd":null,"id":"9f976337-1d71-43f8-8b89-d8ed345618f6"}],"founderWikis":[],"blockchainWikis":[],"metadata":[{"id":"website","value":"https://ypt.com/"},{"id":"telegram_profile","value":"https://t.me/ypt_official"},{"id":"twitter_profile","value":"https://x.com/YPT_Official"},{"id":"blocks-changed","value":"tags, 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