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Documentation Index

Fetch the complete documentation index at: https://docs.jup.ag/llms.txt

Use this file to discover all available pages before exploring further.

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General

Jupiter Spend is a set of regulated financial services integrated into the Jupiter app. Built on the Solana blockchain, it allows users to convert USDC into fiat and access traditional payment infrastructure (card payments, QR Pay, and bank transfers) directly from the app.
Jupiter Spend is available in selected countries. Availability depends on your country of residence and applicable regulations. The full country list is on the Jupiter Card page.
Open the Jupiter app, tap the Card icon in the top-left corner to switch to Spend mode, and complete identity verification (Jupiter ID). You will need a government-issued ID and a selfie. In APAC regions, a proof of address is also required. Verification typically takes 2 to 4 minutes.
Identity verification is required by law to help prevent fraud, money laundering, and misuse of financial services. It is a standard requirement for any regulated financial product, and is required to access any Jupiter Spend feature.
Verification typically takes 2 to 4 minutes. In some cases, manual review may extend this timeframe up to 24 hours.
Proof of address is required for users in APAC regions. Accepted documents include:
  • Utility bills (electricity, water, heating, gas, sewerage, waste disposal, house/elevator maintenance)
  • Telecom bills (phone, internet, TV)
  • Bank statements
  • Tax invoices
This list is not exhaustive. If your document is rejected, you can resubmit a different accepted document.
Your funds are handled through regulated financial partners, and balances are held and settled according to regulatory requirements. Jupiter does not take custody of your DeFi wallet funds. Card transactions are protected by industry-standard security, monitoring, and controls. The Jupiter Card operates on the Visa network, which includes chargeback protections — if a transaction is fraudulent or a merchant fails to deliver, you can dispute the charge through your card issuer (Rain or DCS). You can also freeze your card instantly in the app if anything looks suspicious.
Jupiter ID is a unified verification profile across Jupiter Spend products. Verify once, then access the Card, QR Pay, and Remittance without repeating the process. It is used only for Jupiter Spend services and is separate from your DeFi wallets.
No. Once identity verification is complete, the Jupiter ID cannot be deleted. Jupiter does not store or process identity documents directly — all verification data is handled by SumSub.
No. Jupiter ID is not linked to your DeFi wallets. It is used only for identity verification and Jupiter Spend services. Jupiter does not take custody of your DeFi wallet funds, and Spend mode activity is kept separate from your onchain DeFi activity.
No monthly or annual maintenance fees. Any applicable transaction fees (such as FX conversion on non-USD card payments) are shown before confirmation. See Fees & Limits for the full breakdown.
Use the “Forgot Password” or “Need help signing in” option on login to start recovery. If you have also lost access to your registered email or phone, contact support.
In-app support is available.

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Cards

The Jupiter Card uses credit-card infrastructure, which generally offers stronger payment networks and higher merchant acceptance than many debit or prepaid crypto cards. This means fewer declines, smoother refunds and disputes, and more consistent performance, especially for online purchases, travel, and subscriptions.
There is no annual fee to hold the card, and USDC deposits are credited one-to-one with no fees. The only standard fee is the FX conversion fee on non-USD payments: 1% with Rain, 1.8% with DCS. See Fees & Limits for the full breakdown.
Spending limits depend on your card issuer:
  • Rain — no spending limits.
  • DCS — daily limit of $50,000 and annual limit of $990,000.
Your card issuer is determined by your country of residence. See Fees & Limits for the full breakdown.
The Jupiter Card is available in selected countries where card issuance is supported. Availability depends on your country of residence and regulatory requirements. The full country list is on the Jupiter Card page.
  1. Open Apple Wallet and tap the + icon in the top-right corner.
  2. Select Debit or Credit Card and tap Continue.
  3. Enter your card details (found under “Show Details” in the Jupiter app).
  4. Complete verification in Apple Wallet.
  1. Open Google Wallet and tap + Add to Wallet.
  2. Select Payment method and enter your card details manually.
  3. Accept the issuer’s terms and choose a verification method (SMS or email).
  4. Enter the OTP to verify your card.
No Jupiter fees apply to adding or using the card via Apple Pay or Google Pay. The standard FX fee, set by the issuer, still applies on non-USD payments.
Yes. The Jupiter Card works anywhere Visa is accepted, regardless of where you are. Your card issuer (Rain or DCS) is determined by your country of residence at the time of KYC, not by where you use the card. If you pay in a non-USD currency while abroad, the standard FX conversion fee applies (1% Rain, 1.8% DCS).
Refunds can take up to 7 business days to settle back into your card balance. If the original transaction is still pending, the charge is reversed directly. If it has already settled, the refund appears as a separate credit marked “Reversed” under the original transaction.
If the original transaction is still pending (not yet authorized or settled), the full amount is reversed at no cost. If the transaction has already been authorized or settled, the refund is processed at the FX rate of the day the refund is issued, not the original transaction rate. The FX fee on the original payment is not refunded.
Refunds are still processed even if your card is frozen, though the funnel may differ. If you are expecting a refund and your card is frozen, contact support with the original transaction details.
This is region-dependent due to regulatory requirements. Global withdrawal support is being rolled out progressively. Check the app for current availability in your region.
Not yet. The Jupiter Card is currently digital-only, accessible through the Jupiter app. A physical card is planned for July 2026.
Freeze your card immediately from the Jupiter app to block any further transactions. Then contact support — the team will cancel the existing card and issue a replacement.
You can freeze your card instantly through the Jupiter app at any time. The card can also be unfrozen from the app when the issue is resolved. The Jupiter Card operates on the Visa network and benefits from standard consumer protections, including chargeback and dispute mechanisms.
Statement export (CSV or PDF) is not yet available. This feature is planned for a future release.

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QR Pay

Jupiter QR Pay is a scan-to-pay solution available in the Asia-Pacific region. It supports merchant payments directly from your Spend account. Open the app, tap the scan icon, and scan the merchant QR code to pay.
QR Pay is available at supported merchants in Singapore, Vietnam, Thailand, and the Philippines. Look for QR payment logos at the merchant when scanning. P2P (person-to-person) QR payments are available only in certain regions.
Payments are settled in the merchant’s local currency. Your USD balance is converted at the market rate, with no markup and no hidden fees.
No. There are no fees for either the payer or the recipient, including FX conversion.
Yes. The daily limit is $5,000 and the per-transaction limit is $500.
No. QR Pay transactions are not eligible for cashback. Only Jupiter Card purchases earn cashback. See Earn & Referrals for details.
The most common reasons are insufficient balance, an unsupported merchant QR format, or a connectivity issue. Check your balance, make sure you are connected to the internet, and try again. If the issue persists, contact support.

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Deposit

Open the app, tap “Add Money” on the home screen, and select your method. Deposits typically reflect in your balance within 4 minutes.
USDC only. No other tokens or stablecoins are supported.
USDC deposits are supported on Solana, Sui, Arbitrum, and Base. Always select the correct network before sending. Depositing on an unsupported network may result in permanent loss of funds.
Most deposits arrive within 4 minutes after the required onchain confirmations. Confirmation requirements vary by network. During congestion, deposits may take longer.
Jupiter does not charge any deposit fees. Standard onchain gas fees from your sending network still apply and are paid to the network.
There is no minimum deposit.
Check the transaction status on the relevant blockchain explorer using your transaction hash. If it is confirmed onchain but has not appeared in your balance after 30 minutes, contact support and include your transaction hash and deposit address.
Direct fiat deposits are not yet available. Today, deposits are made in USDC. You can also receive incoming bank transfers into your Jupiter Spend virtual accounts (USD, EUR), which acts as a fiat top-up.

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Transfer

Bank Transfer (Global Fiat Remittance) lets you send and receive fiat through virtual accounts, SWIFT transfers, and local payouts. Transfers are powered by our partner Noah, providing fast, low-cost global payouts in 20 local currencies.
You can send to bank accounts in over 200 countries via SWIFT. Local payouts are also available in 20 supported currencies. The full list is visible in the app when selecting a destination.
Local payouts are available in: AED, BRL, CAD, EUR, GBP, IDR, INR, JPY, MAD, MXN, MYR, NGN, PHP, SAR, SGD, THB, TRY, TWD, USD, VND. For other destinations, transfers are sent via SWIFT in USD or EUR. Conversion is done at the market rate.
Transfer timing depends on the destination country and the receiving bank. Most transfers arrive within a few business days.
Jupiter does not charge any fees on transfers. Currency conversions are done at the market rate. Any network or intermediary bank fees, when they apply, are shown transparently before you confirm.
You need the recipient’s full name, bank name, account number, and routing details required by the country (for example SWIFT/BIC or US routing number). The app prompts the exact fields needed for each country.
The minimum transfer is $1 USD equivalent. There is no fixed maximum, though the per-transfer cap is currently $10,000 and high-value transfers may require additional verification.
Yes. Once your Jupiter ID is verified, you receive virtual accounts in USD and EUR that can receive incoming transfers. EUR account availability may depend on your country of residence.
Transfers can fail due to incorrect recipient details, bank compliance holds, or network issues on the receiving end. If your transfer is delayed beyond the estimated window, contact support with your transfer reference number. Failed transfers are automatically refunded to your balance.
Yes. All outbound transfers are screened by our regulated partner as part of standard AML/CTF procedures. Transfers flagged for review may be delayed pending additional verification, and supporting documentation may be requested for large or unusual transfers.

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Referral

Invite friends to Jupiter Spend using your unique referral link. When they sign up, complete KYC, and start spending, both of you earn rewards.
You earn $25 for each friend who signs up through your link, completes KYC, and spends at least $100 on their Jupiter Card within 30 days of KYC approval.
Your friend earns $100 once they spend $1,000 on their Jupiter Card within 30 days of card activation.
Qualifying spend includes Jupiter Card purchases at accepted merchants. Refunds, reversals, fees, P2P transfers, ATM withdrawals, and QR payments do not count toward the spending milestones.
Your friend has 30 days from KYC approval to spend $100 (for your reward), and 30 days from card activation to spend $1,000 (for their reward). The two windows start from different dates.
Rewards are credited to your Earn balance once the qualifying milestone is reached. Reward amounts are denominated in USD and held in JupUSD on the Earn balance.
The referral expires and no reward is paid for that referral. Your friend can still use Jupiter Spend normally.
No. Self-referrals and duplicate account creation are detected and blocked automatically. Accounts flagged for this will have their rewards forfeited and may be suspended.
No. There is no cap on the number of qualifying referrals or on the rewards you can earn through the program.

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Cashback

Every qualifying Jupiter Card purchase earns cashback automatically. It is credited to your Earn balance after the transaction settles. No activation is needed. Cashback is currently paid out of Jupiter’s own treasury.
Your cashback rate depends on your Earn tier, based on referrals:
TierReferralsCashback RateMonthly Cap
Standard04%$100
Tier 2205%$200
Tier 3508%$500
Tier 410010%$1,000
Once you reach a tier, it does not expire. Your current tier and monthly progress are visible on the Earn screen.
Cashback is credited after the transaction fully settles, not at the point of payment. While a transaction is pending, a “Processing” entry appears in the Earn tab. Once settlement is confirmed, it updates to earned and is added to the available balance.
In the Earn tab. You will find your total cashback earned, a transaction-by-transaction history, your current tier, and your monthly progress toward the cap. Each transaction in your spending history also shows the exact cashback earned for that purchase.
Your cashback balance is held in JupUSD. When you withdraw to your card balance, JupUSD is converted to USDC and credited to the card. The conversion is instant with no fees. Withdrawals to external wallets are currently disabled.
Yes. You can transfer any amount from your Earn balance to your card balance at any time. The withdrawal is instant with no fees. Withdrawals to external wallets are currently disabled.
Yes. The default monthly cap is $100. Higher referral tiers unlock higher caps, up to $1,000 per month at Tier 4.
Only Jupiter Card purchases at accepted merchants (online and in-store) earn cashback. The following are not eligible: ATM withdrawals, P2P transfers, refunded or reversed transactions, fees and charges, QR payments, financial services, money transfers, gambling-related transactions, and government payments.
You may have hit your monthly cap. Check the Earn screen to see your cap limit and how much you have earned so far this month. Referring more friends unlocks higher tiers with higher caps.

Discover Spend on Jupiter Academy

Step-by-step guide to get started with Jupiter Spend.