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General & Global ID

Jupiter Spend is a set of regulated financial services integrated into the Jupiter app. It gives your stablecoins real-world spending power and access to 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, and the Jupiter Card follows the same list, on the Jupiter Card page. You must be at least 18 years old.
Global ID (previously called Jupiter ID) is the account you use to sign in to the Jupiter app, with an email, Google, or Apple login. It includes an identity verification layer required to use Jupiter Spend: verify once, then access the Card, QR Pay, and Remittance without repeating the process. You can only be logged in to one Global ID at a time. Discord and X logins are currently not supported.
Open the Spend tab of the Jupiter app (card icon, bottom right) and sign in with your Global ID, using an email, Google, or Apple account. Then complete identity verification from the Verification Center. Verification has five steps: provide an identity document, verify your phone number, perform a liveness check, provide personal information, and complete a short questionnaire. In APAC regions, a proof of address is also required.Verification typically takes a few minutes. If your application is flagged for manual review, it can take longer, typically 3 to 5 working days.
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.
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.
No. Global 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.
Not by yourself. Once identity verification is complete, the Global ID cannot be deleted, and you cannot change its email from the app. If you have lost access to your registered email, contact support: after an identity check against your verification, support can move the account to a new email. See the next question for how it works.Jupiter does not store or process identity documents directly. All verification data is handled by SumSub.
There is no password to reset. You log in to your Global ID with a verification code sent to your email, or with your Google or Apple account, so regaining access means regaining access to that email, Google, or Apple account. If you have lost access to it for good, contact support, which can move your account to a new email through an identity-checked recovery:
  1. Support starts the recovery with your new email. Your current email address is notified first, so that an owner who did not ask for the move can stop it by contacting support.
  2. You receive a verification link at the new email. It runs a face check against the identity you verified with and, when a phone number is on file, sends a code by SMS to that number. The SMS step cannot be skipped: if you no longer have that phone, tell support.
  3. Support reviews the result. Once approved, you can sign in with the new email, at the earliest 48 hours after the notice to your old email. The approval email names the time, and the approval is valid for 7 days from then. Until then, the sign-in screen shows when you can sign in; after the move, the old email no longer opens the account.
  4. For 7 days after the move, withdrawals and card payments are paused, your cards are locked, and the app shows the end date. You can still replace a virtual card during that time (the new card works once the pause ends), but not a physical one.
Your balances, cards, and verification stay with the account: only the login email changes.
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. 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.
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.
Yes. The Card balance can be displayed in USD (default) or another currency such as EUR, GBP, AUD, BRL, CAD, CNY, or HKD, using the currency selector next to the balance. This only changes how the balance is displayed. The balance itself is held in USD.
In the Card tab, open the ⋯ menu → Support. Support is also in the profile menu (top left), under Help & Support. For a card issue, have the original transaction details ready; for a deposit or transfer issue, the transaction hash or transfer reference.

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Deposits & Withdrawals

If your funds are in your Jupiter Mobile wallet, use Send → Send to Spend. It accepts any token and converts it for you, so there is no deposit address to copy and no wrong token to send.For funds held elsewhere, open the Card tab, tap Deposit, and select your method on the Add Money screen. Pick the network you send from: on Solana, send USDC or USDT only; on another network, send a token listed under Supported tokens for that network.
The deposit screen has a network selector:
  • Solana: USDC or USDT, sent directly to your Spend deposit address.
  • Ethereum, Base, Arbitrum, Sui, BSC (BNB Chain), and Robinhood (Robinhood Chain): each network has its own Universal Deposit address. Send the network’s dollar token (USDC, or USDT on BSC and USDG on Robinhood) or another token from the Supported tokens list shown for that network. It is converted to USDC before it reaches your Card balance.
The networks and the token list come from Universal Deposit and can change, so check them in the app before sending. Always select the correct network: depositing on an unsupported network, or sending a token that is not listed, may result in permanent loss of funds.From a Jupiter Mobile wallet, Send to Spend also takes any token you hold, see the next question.
It depends on your card issuer. With a Rain-issued card, yes: USDC and USDT are credited 1:1. With a DCS-issued card, USDT is converted to USD by the issuer when it arrives, so the amount credited is slightly lower than the USDT you sent, by a fraction of a percent that varies over time. See Balance, and Card Issuers for which issuer serves your country.
Yes, in two ways. From another network, the deposit screen accepts the tokens listed for that network and converts them to USDC (see the previous question). From a Jupiter Mobile wallet, use Send → Send to Spend and choose any token you hold: it is swapped into USDC through Jupiter Ultra and delivered to your Spend deposit address in one transaction, and your balance is credited in USD. The swap carries the Jupiter Mobile swap fee for the pair plus a small SOL network fee, and the summary screen shows the estimated amount, the minimum you will receive, and the price impact before you confirm. See Send to Spend for the details.On Solana, the Spend deposit address itself still takes USDC and USDT only.
On Solana, no. Anything other than USDC or USDT sent to your Solana deposit address is lost. The transfer cannot be reversed, and no one can recover it, support included. This holds for transfers made before any token became available through Send to Spend.On another network, the tokens listed under Supported tokens are converted to USDC. A token outside that list may be lost: contact support with your transaction hash and the deposit address.
Most deposits arrive within 4 minutes after the required onchain confirmations. Confirmation requirements vary by network, and deposits can take longer during congestion.If your deposit has not appeared, check the transaction status on the relevant blockchain explorer using your transaction hash. If it is confirmed onchain but still missing from your balance after 30 minutes, contact support and include your transaction hash and deposit address.
Yes. The minimum deposit is $10 on Ethereum and $3 on every other network; a token other than the network’s dollar token needs a little more to cover its conversion. Direct deposits on Solana have no processing fee. From the other networks, the processing fee is at least $0.30 and grows with the amount on most networks: 0.02% for stablecoins, 0.1% for other tokens, which also pay the swap cost (see Universal Deposit fees). The network’s gas fee is paid separately in its native coin. Because the $0.30 floor is flat, it can look large on a small deposit. The deposit screen shows the minimum and the fee for the network you pick, and a single transfer can be worth up to 200,000 USDC.On Solana, there is no flat network cost. However, if the receiving address has no USDC token account yet, a one-time account creation cost (up to about 0.002 SOL, set by the network, which is lowering it in steps) is added. With Gasless Send, this cost is deducted in USDC from the amount sent.The exception is a deposit made through Send to Spend in Jupiter Mobile with a token other than USDC or USDT: the swap into USDC carries the Jupiter Mobile swap fee plus a small SOL network fee.
Yes, by bank transfer. Incoming transfers received on your Jupiter Spend virtual accounts (USD, EUR) credit your Card balance directly. See Bank Transfer below.
In the Card tab, tap Send. Wallet sends USDC or USDT back to a Solana address, and Bank Transfer sends fiat to a bank account (off-ramp). With a DCS-issued card, withdrawals are not supported yet. See Withdrawals for both routes and the regions with restricted bank support.Two limits apply to what can leave Spend:
  • Only funds deposited as USDC can be withdrawn to fiat. USDT deposits cannot, a limitation of the off-ramp partner. Deposits made through Send to Spend arrive as USDC.
  • With a Rain-issued card, a refund is added to your Card balance so you can keep using it, but it cannot be withdrawn. This is due to how Visa settles refunds with Rain.

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Cards

There is no annual fee to hold the card. The standard fees are the processing fee on crypto deposits, set per network and shown before you send, and 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.
Apple Pay
  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.
Google Pay
  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 this way; the standard FX fee, set by the issuer, still applies on non-USD payments. In some countries where the Jupiter Card is supported, the card cannot be added to Apple Pay or Google Pay because the service does not operate there. This is a restriction from Apple or Google, not from Jupiter.
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).
The most common reasons:
  • Insufficient balance. Your Card balance, in USD, sets how much you can spend with the card; check that it covers the payment, including the FX fee on a non-USD payment.
  • Card frozen. A frozen card blocks every transaction until you unfreeze it in the app.
  • Spending limit reached. With a DCS-issued card, the daily limit is $50,000 and the annual limit $990,000.
  • Restricted merchant. Payments to certain merchant categories are declined automatically for compliance and risk reasons, and some merchants are restricted dynamically by fraud monitoring. See Restricted Merchant Categories.
If none of these apply, contact support with the transaction details.
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 payment involved an FX conversion and has already been authorized or settled, the refund is processed at the FX rate of the day the refund is issued, not the original rate, and the FX fee on the original payment is not refunded. A pending transaction is reversed in full at no cost.A frozen card does not block incoming refunds: the refund is still credited to your card account. If you have not received a refund after 7 business days, contact support with the original transaction details.
No. Once a virtual or physical card is ordered, the order cannot be refunded. Refunds from merchants on your card payments are a separate matter, covered in How do refunds work?.
When a transaction is authorized but not captured by the merchant, the funds are held as a pending authorization on your card balance. The hold can take up to 30 days to drop, depending on the merchant. This timing is set by the merchant and is not controlled by Jupiter. Once the authorization drops, the funds are released back to your balance.
Freeze your card immediately from the Jupiter app to block any further transactions. You can unfreeze it from the app once the issue is resolved. If the card is lost, stolen, or damaged, choose Replace card in the card’s settings: the current card is frozen and a new one is ordered. A replacement virtual card is free; a physical one costs the same as the original. See Lost or Stolen Card.The Jupiter Card operates on the Visa network and benefits from standard consumer protections, including chargeback and dispute mechanisms.
The Claynosaurz card is a co-branded Jupiter × Claynosaurz Visa Platinum card, available as a virtual card (Gold or Platinum design) for $25. It earns the standard 2% cashback up to $100 a month, with the cap shared across all your cards, and until the end of 2026 the FX fees on payments made with it are paid back in full on the first $10,000 of non-USD spend each month, up to $100 a month. The rebate is credited in one batch at the end of each month, and a payment shows in the Claynosaurz 0% FX tracker once the transaction is confirmed.Existing users can get it too: in the Card tab, tap Card → Add card → Virtual card and pick the Claynosaurz design. It is available in the supported countries except the Philippines, Vietnam, Taiwan, and South Korea. See Claynosaurz Card.
Yes. Physical cards are rolling out in phases, so the option may not be available in your account yet. Full rollout is planned by the end of 2026. See Physical Card for the card price and shipping.
Yes. With a Rain-issued card, both the virtual and the physical card have a PIN, which you can view and change in the app; DCS-issued cards do not offer this in the app. ATM withdrawals are available on Rain-issued physical cards only: DCS-issued cards (Australia, Japan, Malaysia, the Philippines, Singapore, South Korea, Taiwan, Thailand, Vietnam) cannot withdraw cash at ATMs for now. Acceptance depends on the ATM operator and your region, and some machines decline. On a Rain-issued card, each withdrawal costs $1 plus 0.65% of the amount, and a withdrawal in a currency other than USD adds an FX fee of $0.30 plus 1%; this FX fee applies to ATM withdrawals only, card payments keep the usual 1%. A declined withdrawal and a balance inquiry at an ATM each cost $0.60. The ATM owner may charge its own fee on top, shown on the machine. ATM withdrawals do not earn cashback. See Fees.
Yes. From the app, select the date range you want and request the export; the file is sent to you by email. This is a transaction history export rather than a formal bank-style statement.

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QR Pay

Jupiter QR Pay is a scan-to-pay solution for merchant QR codes in the Asia-Pacific region, in the Jupiter Mobile app. You can pay with USDC on Solana from any of your wallets, or from your Card balance if your Jupiter Card supports it. See Jupiter QR Pay.
No. Anyone signed in with a Global ID can pay from a wallet after a short identity check, without a card or a Card balance. Only paying from your Card balance depends on your card. See Pay from your wallet.
You pay with USDC on Solana. Other tokens are not converted automatically, so swap to USDC first. You do not need SOL: if the wallet holds none, the network fee is added to the payment in USDC and shown as Gas conversion on the review screen.
Paying from a wallet requires identity verification. When you scan, the app checks your status and asks you to complete anything missing. If you have already verified your Global ID for Jupiter Spend, you do not need to verify again, but some countries’ QR codes require an extra step. See Verification messages.
You can pay at supported merchants in Cambodia (KHQR), Indonesia (QRIS), Malaysia (DuitNow), Mongolia (QPay), the Philippines (QR Ph), and Vietnam (VietQR), from a wallet or from your Card balance. Singapore (SG QR) and Thailand (PromptPay) are temporarily unavailable. What matters is the country of the QR code, not where you live.Paying from your Card balance also depends on your card. See Which cards support QR Pay.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. Jupiter charges no QR Pay fee to the payer or the recipient.From a wallet, the review screen shows the exchange rate, any network fee, and the total in USDC before you confirm. From your Card balance, your balance is converted at the market rate with no markup, including no FX fee.
From your Card balance, the daily limit is $5,000 and the per-transaction limit is $500. From a wallet, each merchant QR code sets a minimum and maximum amount, shown when you enter the amount.
No. QR Pay transactions are not eligible for cashback, whether you pay from a wallet or from your Card balance. Only Jupiter Card purchases earn cashback. See Rewards below.
The most common reasons are insufficient balance, an unsupported merchant QR format, or a connectivity issue. From a wallet, also check that it holds enough USDC on Solana to cover the payment and its network fee, and that your verification is approved. If a payment fails after the USDC has left your wallet, the USDC is refunded to the wallet. If the issue persists, contact support.

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Bank 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 15 local currencies.
You can send to bank accounts in over 200 countries via SWIFT. Local payouts are also available in 15 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, MYR, NGN, PHP, SGD, THB, TRY, USD, VND. Support for JPY, MAD, MXN, SAR, and TWD is planned. For other destinations, transfers are sent via SWIFT in USD or EUR. Conversion is done at the market rate.
For a transfer you send, timing depends on the destination country and the receiving bank; most arrive within 1-3 business days. A transfer you receive on your virtual account usually arrives the same working day.
Yes. Both deposits and payouts carry a fixed fee plus a variable fee, which vary by rail and destination currency. Currency conversions are done at the market rate. See Fees & Limits for the current tables.
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 per transfer: each payout currency has a limit set by the payout partner, which the app shows when you withdraw. Incoming transfers may require additional verification based on transaction value, activity patterns, or other risk factors; you are notified in the app and by email when more information is needed.
Yes. Once your Global 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. Send from an account in your own name, or from a supported payroll platform such as Deel or Payoneer: deposits from anyone else may be returned. See Remittance.
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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Rewards

Every qualifying Jupiter Card purchase earns cashback automatically, with no activation needed. It is credited to your Rewards balance after the transaction fully settles, not at the point of payment. While a transaction is pending, a “Processing” entry appears in the Rewards tab; once settlement is confirmed, it updates to earned and is added to the available balance.
All qualifying Jupiter Card purchases earn a base cashback rate of 2%, up to a monthly cap of $100. If you unlock the 4% rate through referrals, the cap rises to $200 for that month. Your current rate and monthly progress are visible on the Rewards screen.If you earned less than expected in a month, you have most likely hit the cap: check the Rewards screen for your cap and how much you have earned so far.
Refer at least 2 qualifying people during a calendar month. A qualifying referral is a friend who completes KYC and spends at least $50 on their Jupiter Card. If you reach 2 in a given month, your cashback rate rises to 4% (with a $200 cap) for the following month. Referring only 1 person does not unlock the higher rate.
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.For the full list, see Ineligible Transactions for Cashback & Rewards.
In the Rewards tab. You will find your total cashback earned, a transaction-by-transaction history, your current rate, and your monthly progress toward the cap. Each transaction in your spending history also shows the exact cashback earned for that purchase.
Your Rewards balance is held in USDC. You can transfer any amount from it to your card balance at any time (in Rewards, tap Withdraw); the transfer is instant with no fees. Direct withdrawal from the Rewards balance to an external wallet is not available. Once in your card balance, funds can leave Spend through Send where your card supports it.
In the Jupiter app, when you create your Global ID: after you log in, the Got a referral code? screen asks for it. Type the code and tap Confirm; the app shows Code found! when it is valid. Tap I don’t have a referral only if you have no code. See Where do I enter a referral code?.
  • You earn $10 once your friend has signed up through your link, completed KYC, and spent at least $50 on their Jupiter Card within 30 days of KYC approval.
  • Your friend earns $20 once they have spent $1,000 on their Jupiter Card within 30 days of card activation.
The two windows start from different dates. If your friend completes KYC but does not spend $50 within 30 days, the referral expires and no reward is paid for it; your friend can still use Jupiter Spend normally.
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.
Rewards are credited to your Rewards balance once the qualifying milestone is reached. Reward amounts are denominated in USD and held in USDC on the Rewards balance.
Self-referrals and duplicate account creation are detected and blocked automatically; accounts flagged for this will have their rewards forfeited and may be suspended. There is no cap on the number of qualifying referrals or on the rewards you can earn through the program.

Discover Spend with a guided lesson

A plain-language introduction to Jupiter Spend and how to get started.