Crypto wallet and Visa card in Panama

How it works in Panama

Nexus Pay is a crypto wallet with a payment card. You top up in crypto, move what you need onto the card and spend it anywhere Visa is accepted. No local bank account is required.

Payments in Panama settle in Panamanian Balboa: the network converts from your card balance at the rate at the time of the transaction. The same applies at ATMs — the machine dispenses Panamanian Balboa (PAB).

What actually reaches your pocket

Our published fees, with no hidden markup on the rate. From 1,000 USDT:

• Swapping inside the wallet — 0%. Exchange rate, no markup.
• $999.00 lands on the card — the card top-up costs 0.1%.
• $996.50 in cash at an ATM, after our 0.25% per-withdrawal fee.

The ATM operator in Panama may add its own fee on top of ours. That money does not come to us, it differs by machine, and it cannot be stated in advance.

How to fund the account

In crypto across six networks: USDT and USDC on TRC-20, ERC-20, BEP-20 and TON; BTC and ETH on their own chains. The address is issued for the network you pick.

Blockchain transfers are irreversible. Sending on the wrong network means the funds are gone for good — check both the address and the network.

What you need to start

• A Telegram or Google account — sign-in goes through them, there is no separate password.
• Crypto to fund the account — any supported coin.
• For a card, identity verification: anti-money-laundering law requires it.

Common questions in Panama