What is BKJ Card?
BKJ Card is a crypto payment card product that helps users connect supported digital assets with everyday payment scenarios. Instead of manually selling crypto, withdrawing fiat and then paying, users can use a card-based payment flow.
Step-by-step flow
| Step | User action | What happens |
|---|---|---|
| 1 | Create a BKJ account | User enters the BKJ app ecosystem |
| 2 | Complete KYC | Identity verification is completed according to platform requirements |
| 3 | Activate the card | User receives access to the card product |
| 4 | Top up supported assets | User adds supported crypto such as USDT, USDC or BTC depending on availability |
| 5 | Pay with the card | Crypto value is converted for the payment flow and the merchant receives fiat |
What happens during a payment?
When a card payment is made, the merchant does not need to receive crypto directly. The payment flow converts the user asset value into the required fiat payment, so the merchant receives local currency through the card network. This is why crypto cards are useful for everyday purchases even when merchants do not directly accept USDT or BTC.
Where can BKJ Card be used?
BKJ materials describe broad merchant coverage and support for online and offline scenarios. Typical use cases include online subscriptions, travel bookings, shopping, food delivery, local transportation and other card-accepting merchants. Availability may depend on region, merchant category, card rules and compliance controls.
What users should check before using the card
- Whether the card is available in the user region.
- Which assets and networks are supported for top-up.
- Current card fees, FX fees, conversion rules and limits.
- Whether Apple Pay, Google Pay or local wallet binding is supported.
- What to do if a transaction is declined, reversed or pending.
When is a crypto card useful?
A crypto card is most useful when users already hold crypto or stablecoins and want flexibility. It is especially helpful for small and frequent payments, subscriptions, travel and online purchases. For large transfers or business settlement, a dedicated payout product may be more suitable.
FAQ
Do merchants receive crypto?
Usually no. In a card payment flow, the merchant receives fiat currency through the card network.
Can I use BKJ Card for subscriptions?
Crypto cards are commonly used for online subscriptions where card payments are accepted, subject to merchant and card rules.
Why can a card transaction be rejected?
Possible reasons include merchant category restrictions, insufficient balance, regional limits, risk controls, network issues or incorrect card details.