💳AP Web3 is a Web3 digital account card that integrates crypto asset top-up, global fiat payments, and an on-chain dividend mechanism. Jointly issued by the AP platform in collaboration with Visa and Mastercard, it supports crypto top-ups, global POS spending, and off-chain withdrawals—bridging the "last mile" between on-chain earnings and real-world consumption, enabling users to instantly top up and use their crypto assets with ease.

📇 Key Features

  1. crypto Top-Up → Instantly Loaded as USD to the Card
  2. Globally Accepted (Supports POS/ATM in 210+ Countries)
  3. Compatible with Apple Pay, Google Pay, PayPal, WeChat, and Alipay for Global Spending
  4. UP Points Can Be Withdrawn Directly to the Card and Used Anytime
  5. One User Can Hold up to 10 Cards with Shared Balance — Ideal for Families and Teams

🧑‍💻 Technical and Mechanism Highlights

  1. On-Chain Bound Top-Up Address: Each card is linked to a unique crypto address, ensuring traceable and auditable asset sources
  2. Real-Time Multi-Currency Settlement: All spending is automatically converted to local fiat currency, enabling true global usability
  3. Low-Fee Exchange System: Transaction fees as low as 1.0%, significantly below industry averages
  4. No Overdraft, No Debt: Prepaid model ensures users maintain full control over their account security
  5. Automatic Dividend Distribution: UP points can be withdrawn directly to the card in seconds without intermediaries, instantly available for spending

📇 Use Cases

  1. On-chain earnings withdrawal and off-ramping for Web3 users
  2. Seamless cross-border payments (for international travel, study abroad, or global teams)
  3. Enterprise payroll distribution and salary accounts for remote employees
  4. Family asset management and shared multi-user accounts
  5. Spending digital assets and accepting payments in merchant scenarios

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