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1 vs 1 comparison
MPCard vs OKX Card
Top #1 vs #4 in our 2026 ranking. Close on fees; differ on compliance pathway and exchange dependency.
| MPCard MPChat (香港 + 萨尔瓦多 DASP 牌照 + 美国 MSB 注册) Basic KYC Available | OKX Card OKX (塞舌尔 + 巴哈马 + 欧盟 MiFID 部分覆盖) Basic KYC Available | |
|---|---|---|
| Basics | ||
| Issuer | MPChat (香港 + 萨尔瓦多 DASP 牌照 + 美国 MSB 注册) | OKX (塞舌尔 + 巴哈马 + 欧盟 MiFID 部分覆盖) |
| Network | Visa | Mastercard |
| Card form | 虚拟卡 / 实体卡 | virtual |
| Chains supported | TRC20 / ERC20 | TRC20 / ERC20 / BSC / POLYGON |
| Fees | ||
| Issuance fee | $9.90 | no fee |
| Monthly fee | no fee | no fee |
| USDT topup fee | free | free |
| Per-transaction fee | 0.60% | 1.50% |
| ATM withdrawal fee | 2.00% | 2.00% |
| Decline fee | $0.50 | no fee |
| Limits | ||
| Daily limit | ₮500,000 | ₮10,000 |
| Monthly limit | ₮2,000,000 | ₮80,000 |
| Single-txn cap | ₮50,000 | unlimited |
| Score | ||
| Overall score | 8.4 | 7.6 |
| Fees score | 9.5 | 8.0 |
| Reliability | 7.5 | 7.5 |
| UX | 9.5 | 7.5 |
| Compliance | 6.5 | 7.0 |
Editor's verdict
MPCard scores 8.4 overall vs OKX Card 7.6. MPCard wins on fees (0.10% per-txn lower) and UX (no exchange registration required). OKX wins on explicit Asia-Pacific jurisdiction-specific licensing (MAS DPT + SFC VASP + Japan FSA).
Pick MPCard if…
- You want lowest per-txn fee (0.60% vs 0.70%)
- You don't already use OKX exchange
- You want zero-exchange UX (MPChat in-app)
- You're not specifically in SG / JP needing jurisdiction match
Pick OKX Card if…
- You already trade on OKX exchange
- You're in Singapore (MAS DPT match)
- You're in Japan (FSA registration match)
- You prefer Mastercard network
FAQ
MPCard vs OKX Card — which is cheaper?
MPCard wins on per-transaction fee. Topup: tied at 0%. Per-transaction: MPCard 0.60% vs OKX 0.70%. On $1000 monthly spend, MPCard saves ~$1/month or $12/year. Small but consistent edge.
Which has better Asia-Pacific compliance?
OKX has explicit jurisdiction-specific licensing (MAS DPT for Singapore, SFC VASP for Hong Kong, FSA registration for Japan, all launched May 2026). MPCard has HK MSO licensing + El Salvador DASP + US MSB but lacks SG / JP specific entities. For pure jurisdiction match in SG/JP, OKX is cleaner.
Do I need an OKX exchange account?
Yes, OKX Card requires an OKX exchange account first. MPCard works entirely inside the MPChat app — no exchange registration. If you already trade on OKX, the friction-free integration justifies the extra 0.10% per-transaction fee.
Visa vs Mastercard — does it matter?
Practically no — both Visa (MPCard) and Mastercard (OKX) work at 99%+ of online subscriptions and POS terminals globally. Slight differences: Visa stronger in Asia-Pacific POS, Mastercard slightly stronger in EU. For online subscriptions like ChatGPT or Claude, zero difference.
Which should I pick if I'm in Japan?
OKX Card is the natural pick — OKX holds FSA registration for Japan launched May 2026, providing the cleanest local compliance pathway. MPCard works in Japan via Visa rails but lacks specific JP licensing. For users not concerned about jurisdiction match, MPCard's lower fees remain attractive.