> ## 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.

# Overview

> Overview of Jupiter Spend, its products, identity verification, and how to get started.

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 currency and access traditional payment infrastructure directly from the app.

## Products

<Columns cols={3}>
  <Card title="Jupiter Card" icon="credit-card" href="/user-docs/global/spend/jupiter-card">
    A Visa debit card backed by the user's USDC balance, accepted wherever Visa is accepted.
  </Card>

  <Card title="Jupiter QR Pay" icon="qrcode" href="/user-docs/global/spend/qr-pay">
    Scan-to-pay for merchant payments in the Asia-Pacific region.
  </Card>

  <Card title="Global Fiat Remittance" icon="building-columns" href="/user-docs/global/spend/remittance">
    Virtual accounts, SWIFT transfers, and local payouts in 20 currencies.
  </Card>
</Columns>

USDC is the base deposit asset, supported on Solana, Sui, Arbitrum, and Base. Users deposit USDC into their Spend account, which is converted to USD at the time of deposit. This USD balance is used for the Jupiter Card and QR Pay. Remittance operates separately through virtual accounts funded by incoming fiat transfers.

All fees, limits, and supported countries are listed on the [Fees & Limits](/user-docs/global/spend/fees-and-limits) page.

## Identity Verification (Jupiter ID)

Jupiter ID is the account used to sign in to the Jupiter app, with an email, Google, or Apple login. It includes an identity verification layer required to access any Jupiter Spend feature: verify once, then access all three products without repeating the process. You can only be logged in to one Jupiter ID at a time.

Identity verification is required by law to help prevent fraud, money laundering, and misuse of financial services. The process is handled by [SumSub](https://sumsub.com/).

### Verification Steps

Verification is completed from the Verification Center in the app and has five steps:

1. Provide an identity document
2. Verify your phone number
3. Perform a liveness check
4. Provide personal information
5. Complete a short questionnaire

In APAC countries, a proof of address is also required. Accepted proof of address documents include: utility bills, telecom bills, bank statements, and tax invoices.

### Approval Time

Verification typically takes **a few minutes**. If an application is flagged for manual review, it can take longer, typically 3 to 5 working days.

### Data Handling & Privacy

* **Verification handled externally.** Jupiter does not store or process identity documents. All verification is handled by SumSub.
* **Separated from DeFi.** Jupiter ID is not linked to DeFi wallets. It is used only for Jupiter Spend services and does not grant access to wallet funds.
* **Activity separation.** Onchain activity in DeFi mode is not associated with Jupiter ID.

<Warning>
  Jupiter ID cannot be deleted once created. Once verification is complete, the Jupiter ID cannot be removed.
</Warning>

## How to Get Started

<Steps>
  <Step title="Set up Jupiter ID">
    Open the Jupiter app, tap the profile icon in the top-left corner, and select "Set up Jupiter ID". Sign in with an email, Google, or Apple account.
  </Step>

  <Step title="Verify your identity">
    Complete verification from the Verification Center: identity document, phone verification, liveness check, personal information, and a short questionnaire (plus proof of address in APAC regions). Verification typically takes a few minutes.
  </Step>

  <Step title="Fund your account">
    Tap "Add money" to deposit USDC. Deposits are credited one-to-one in USD with no additional fees.
  </Step>

  <Step title="Start using Jupiter Spend">
    Access the Jupiter Card, QR Pay, or Remittance from the app.
  </Step>
</Steps>

## Key Characteristics

* **USDC only.** All deposits into the Spend account are made in USDC (on Solana, Sui, Arbitrum, or Base), credited one-to-one in USD. Remittance virtual accounts are funded separately via incoming fiat transfers.
* **Regulated infrastructure.** Card issuance, payments, and transfers are handled by licensed financial partners.
* **Identity required.** Jupiter ID and KYC verification are required before accessing any feature.
* **No custody of wallet funds.** Jupiter does not take custody of the user's DeFi wallet funds. Spend balances are managed by the regulated financial partners.
* **Cashback on card purchases.** Jupiter Card purchases earn automatic cashback at a base rate of 2%. The rate can be raised to 4% through the referral program. QR Pay transactions are not eligible for cashback. See [Rewards & Referrals](/user-docs/global/spend/rewards-and-referrals).

For detailed fees and limits by product, see the [Fees & Limits](/user-docs/global/spend/fees-and-limits) page.