Join WaitlistLoad your Udara wallet with crypto. Tap your card at any merchant worldwide. Udara processes your payment in under a second. You stay in full control of your money — no platform ever holds your funds.
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In Your Control
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Card Approval
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Hidden Fees
Udara lets you spend your crypto at any merchant worldwide using a Visa or Mastercard. Your funds stay in your own wallet on the Stellar network, not on a platform you have to trust. No exchanges. No bank transfers. No waiting. Tap your card and pay.
Today, you sell crypto on an exchange, wait for money to reach your bank, then spend from there. With Udara, you skip all of that. Tap your card, and the payment goes through.
Your funds live in your own wallet on the Stellar blockchain, not on Udara's servers. Even if Udara goes offline, your money is still there and you can access it directly. No platform can block you from your own funds.
Because Udara uses USDC, the tax impact is minimal compared to spending volatile assets like BTC or ETH.
On other platforms, identity checks can take hours. Physical cards take weeks. On Udara, once you are verified, you get a virtual card in under 60 seconds. It is ready for online payments and Apple Pay.
A flat 1% fee per transaction. No monthly charges. No hidden exchange rate markups. Your balance is already in dollars, so what you see in your wallet is what you can spend.
Every balance, deposit, and withdrawal is recorded on the Stellar blockchain. You can check your funds yourself at any time, without asking Udara or anyone else.
Send crypto to your personal Udara wallet. Your money stays in your control at all times.
Use your physical or digital card at any global merchant terminal.
Your payment goes through in under a second. No conversions, no waiting for bank transfers to clear.
Udara
You hold your own funds. No platform can freeze or withhold them.
Chipper
The app holds your money for you. If the platform goes down, your funds are stuck.
Traditional
Your bank holds and controls your money. If they freeze your account, you wait.
Udara
Payment approved in under a second. No conversion needed.
Chipper
Fast, but you have to sell your crypto first.
Traditional
Takes 1 to 3 working days to clear.
Udara
No hidden markups. Your balance is already in dollars.
Chipper
1.5% to 3.5% hidden exchange-rate markups.
Traditional
1% to 3% foreign transaction fees.
Udara
Under 60 seconds virtual activation.
Chipper
Hours to days of exchange approval.
Traditional
3 to 10 business days for physical shipping.
Udara
Set daily limits, block merchant categories, and freeze your card from the app.
Chipper
Basic freeze and unfreeze. No other controls.
Traditional
Static limits with manual overrides.
Udara
Check your balance on the Stellar blockchain at any time.
Chipper
Your data lives in their private system. You cannot check it yourself.
Traditional
You trust the bank's records. There is no way to check them yourself.
