IO virtual.
Virtual credit card
Turn crypto into local cash. Instantly.
0%
Hidden fees
<1s
Settlement
24/7
Rate Updates
150+
Countries
How it works
- Register with Hxact
One confidential KYC completed once. We protect privacy while meeting compliance standards
2. Get your IO virtual Card
Receive your exclusive personalized virtual card that plugs straight into your mobile wallet
3. Start spending globally
Card auto-detects currency and settles in local tender at optimal rates
Why choose IOvirtual?
Truly Global
Works across Asia, MENA, Europe, Latin America and the US with instant local conversion
Secure and Licensed
Partnered with licensed VAPSs and banking rails for institutional-grade security
Earn while you spend
Allocated crypto continues earning interest while ready for spending
Earn while you spend
Allocated crypto continues earning interest while ready for spending
Real world freedom
Dining in Manila
Auto convert to Philippine pesos art optimal rates
Shopping in Dubai
Pay in dirhams with zero conversion stress while your crypto grows
Exploring Hong Kong
Seamless HKD payments with institutional-grade security
Global coverage
Asia-Pacific
Philippines, Hong Kong, Singapore, Japan, Australia
MENA
UAE, Saudi Arabia, Qatar, Kuwait
Europe
EU member states, SEPA
Latin America
Brazil, Mexico, Argentina, Colombia
United States
All 50 states, Local Partners
FX transparency you can trust
Best available bank rates at purchase. no hidden markups. No surprise fees.
Best rates
Real-time Bank FX
0% Hidden Fees
Complete transparency
Instant Settlements
<1s processing
Super payment app
IO virtual connects your wallet, virtual card, and merchants for a seamless crypto spending experience
- Pre-allocate funds that earn interest while ready for spending
- Intelligent conversion and local currency settlement
- Accepted at millions of merchants worldwide
Get started today – by invitation only
Join early adopters who demand the best in global crypto payments. Request your invite and unlock borderless spending
Hxact – All conversations held in confidence. Enterprise-grade security and international privacy compliance
