Frequently Asked Questions

This FAQ document provides answers to the most commonly asked questions about the Vault27 Card platform. For matters not covered here, please contact legal@vault27.pro. All use of the Vault27 Card is subject to the Vault27 Card Terms and Conditions, Privacy Policy, and Prohibited Activities Policy, available at vault27.pro.

Card Details

How much does the Vault27 Card cost?
Item
Amount
Card Issuance Fee (one-time)
$100.00 USD
Initial Minimum Top-Up
$50.00 USD (credited to your card balance)
Ongoing Top-Up Fee
6% of each top-up amount
Monthly Fee
$0.00 — no monthly fee
Annual Fee
$0.00 — no annual fee

From the $100 card issuance fee: $65 is distributed through the 9-level revenue share programme and $35 is retained for company operations and programme costs. All fees are non-refundable. See Section 5 for full fee details.

Limit Type
Amount
Daily Spending Limit
$100,000 USD per day
ATM Withdrawals
Not available (virtual card only)
Monthly Limit
No monthly limit (subject to daily limit)
Annual Limit
No annual limit (subject to daily limit)
Spending limits may be adjusted based on your KYC verification level and account standing. Vault27 reserves the right to modify limits at any time.
Vault27 Card currently accepts the following Crypto Assets for deposits:
  • USDT (Tether) — ERC-20 — Ethereum Network
  • USDC (USD Coin) — ERC-20 — Ethereum Network
  • APTM (Apertum) — Apertum Network
  • wUSDT (Wrapped USDT) — Apertum Network
  • wAPTM (Wrapped Apertum) — Apertum Network
CRITICAL:
You must send only supported Crypto Assets on the correct network. Sending unsupported tokens or using the wrong network (e.g., TRC-20 instead of ERC-20) will result in permanent loss of funds. Vault27 cannot recover incorrectly sent funds. Always verify the network before sending.
  1. Send a supported Crypto Asset to your Vault27 wallet address displayed in your dashboard.
  2. Wait for blockchain confirmation — typically 5 to 30 minutes for ERC-20 transactions.
  3. Once funds appear in your Vault27 wallet balance, click “Top Up Card” in your dashboard.
  4. Enter the amount you wish to transfer from your wallet to your card balance.
  5. Confirm — your card balance updates instantly.
Important: Crypto is deposited to your Vault27 WALLET first. You must then manually top up your CARD from your wallet balance. These are two separate steps. Your card balance and wallet balance are distinct.
  • Initial top-up (at registration): $50 USD minimum — credited directly to your card balance.
  • Subsequent top-ups: No minimum — you can top up any amount at any time after your first topup.
  • Wallet deposits (crypto to wallet): 5 to 30 minutes — depends on blockchain confirmation times. ERC-20 transactions require network confirmations before funds are credited.
  • Wallet to Card top-up: Instant — your card balance updates immediately upon confirmation.
  • Referral commissions: Instant — credited immediately to your wallet balance upon a qualifying transaction.

About Vault27 Card

What is Vault27 Card?
Vault27 Card is a cryptocurrency-funded virtual prepaid card that allows you to spend your digital assets anywhere Mastercard or Visa is accepted worldwide. You load your card with supported cryptocurrencies through the Vault27 platform, and your crypto is converted to USD at the point of transaction — letting you spend like a regular debit card online and in-store globally.

Vault27 Card is operated by Vault27 Limited (Company ID: 3-102-948161), incorporated in Costa Rica.
  1. Complete KYC identity verification and create your verified Vault27 account.
  2. Purchase your virtual card for a one-time fee of $100 USD.
  3. Make an initial minimum top-up of $50 USD in supported cryptocurrency to your card balance.
  4. Spend your card balance anywhere Mastercard or Visa prepaid cards are accepted — online, instore, or through mobile wallets.
  5. Optionally, earn commissions by sharing your unique revenue share link through our 9-level revenue share programme.
  • Instant virtual card issuance — available immediately after KYC verification is complete.
  • 9-level revenue share commission programme — earn passive income from your network.
  • Multi-asset support — load with USDT (ERC-20), USDC (ERC-20), APTM, wUSDT, or wAPTM.
  • Global acceptance — use wherever Mastercard or Visa prepaid cards are accepted.
  • No monthly fees — pay once, use your card indefinitely.
  • Apple Pay and Google Pay compatible.
Vault27 Card currently operates as a virtual card only. Physical cards are not available at this time. A physical card programme may be introduced in the future — registered users will be notified when available.
Vault27 Card is operated by Vault27 Limited (Company ID: 3-102-948161, San José, Costa Rica). The card programme is issued by a licensed card issuer in partnership with Vault27. Vault27 is not a bank, credit union, or licensed money services business. Vault27 provides technology and platform services in connection with the card programme.

Identity Verification (KYC)

Do I need KYC verification?
Yes. Full KYC identity verification is required before a Vault27 virtual card is issued. There are no exceptions to this requirement. By requiring full KYC for all cardholders, Vault27 ensures compliance with applicable anti-money laundering (AML) regulations and protects the integrity of the card programme.
  • All virtual card applicants must complete full KYC verification.
  • KYC is processed through Vault27’s identity verification partner, Sumsub.
  • You will need a government-issued photo ID (passport, national ID, or driving licence).
  • A real-time liveness check (selfie or video) is required.
  • Automated sanctions and PEP screening is conducted on all applicants.

If your KYC application is declined, your card will not be issued. Vault27 is not obligated to provide detailed reasons for KYC failures. If you believe your application was incorrectly declined, you may contact legal@vault27.pro to request a review. Vault27’s compliance decisions are final. Card issuance fees paid prior to a KYC failure may be retained to cover compliance processing costs — see the Vault27 Card Terms and Conditions.

KYC data collected includes your full legal name, date of birth, residential address, nationality, government-issued identification documents, and facial biometric data. All data is processed in accordance with the Vault27 Privacy Policy at info.vault27.pro/privacy-policy/.

Revenue Share Programme

How does the revenue share programme work?

Vault27 Card operates a nine-level unilevel revenue share programme. When you share your unique referral link and someone registers and purchases a card through that link, you earn a one-time card purchase commission. You also earn recurring commissions each time anyone in your revenue share network (up to nine levels deep) tops up their card.

There are no ranks to maintain, no monthly purchase requirements, and no qualification thresholds. You simply refer and earn.

Your unique revenue share link is displayed at the top of your Vault27 dashboard. The format is:
https://vault27.pro/frontend/signup.html?ref=XXXXXXXX
Copy and share this link to invite others. New users can only register through a valid revenue share link — direct signups without a revenue share link are not available.
Important: Your revenue share link is unique to your account. Once a user registers under your link, that revenue share relationship is permanent and cannot be changed.
Level
Card Purchase (One-Time)
Top-Up Commission (Recurring)
Level 1 (Direct)
$25.00 per card
1.00% of top-up
Level 2
$12.00 per card
0.30% of top-up
Level 3
$9.00 per card
0.20% of top-up
Level 4
$5.00 per card
0.10% of top-up
Level 5
$3.00 per card
0.10% of top-up
Level 6
$3.00 per card
0.10% of top-up
Level 7
$3.00 per card
0.10% of top-up
Level 8
$3.00 per card
0.05% of top-up
Level 9
$2.00 per card
0.05% of top-up
TOTAL
$65.00 per card
2.00% of top-up
All commissions are credited instantly to your Vault27 wallet balance upon a qualifying transaction. From your wallet balance you can:
  • Top up your card and spend your commissions directly.
  • Withdraw to an external supported crypto wallet (where enabled).
  • Hold the balance in your wallet for future use.
No. Commissions do not expire as long as your Vault27 account remains active and in good standing. If your account is suspended or terminated for any reason, including violation of the Prohibited Activities Policy, all accrued and unpaid commissions will be forfeited.
Yes. Your dashboard displays:
  • Your complete revenue share tree across all 9 levels.
  • Total commissions earned — broken down by level.
  • Individual transaction history for each commission event.
  • Combined earnings from card purchase bonuses and top-up commissions.
No income guarantees are made. Vault27 makes no representations or warranties regarding the amount of commission any user may earn. All earnings examples shown in marketing materials are illustrative only and do not represent typical results. Your actual earnings will depend entirely on the size and activity of your referral network. Past performance does not guarantee future results. You are solely responsible for any tax obligations arising from commission income.

Fees & Charges

What fees does Vault27 Card charge?
Fee
Amount
Card Issuance (one-time)
$100.00 USD — non-refundable
Initial Minimum Top-Up
$50.00 USD minimum
Top-Up Fee
6% of amount topped up
Foreign Currency Transactions
1–3% (displayed before transaction)
ATM Withdrawals
Not available
Monthly / Annual Fee
$0.00 — no recurring fees
Replacement Card
As displayed in your dashboard

No. All fees are clearly displayed before you confirm any transaction. Vault27 does not charge hidden fees. The top-up fee breakdown is: 4% retained by Vault27 for operations and 2% distributed through the revenue share programme.

All fees are strictly non-refundable. This includes the $100 card issuance fee, top-up fees, and any processing fees. Once a transaction is confirmed, it cannot be reversed. If a merchant refunds a purchase, the refund will be credited to your card balance following standard card network refund procedures. Vault27 does not issue cash or crypto refunds for merchant disputes.

Account & Registration

How do I sign up?
Important: You can only register for a Vault27 Card through a valid revenue share link. Direct signups without a revenue share link are not available.
  1. Obtain a revenue share link from an existing Vault27 Card member. The link format is: https://vault27.pro/frontend/signup.html?ref=XXXXXXXX
  2. Click the link and complete the registration form with your full name, email address, and a secure password.
  3. Complete KYC identity verification through the Sumsub verification portal.
  4. Pay the $100 card issuance fee in a supported Crypto Asset.
  5. Make your initial minimum top-up of $50 USD to your card balance.
  6. Your virtual card is issued instantly upon successful KYC approval and payment.

No revenue share link? Contact legal@vault27.pro for assistance.

No. Each person may hold only one Vault27 Card account. Creating multiple accounts — for any purpose including referral commission abuse, circumventing KYC controls, or exploiting platform features — is strictly prohibited and will result in immediate termination of all associated accounts and forfeiture of all balances and commissions. See the Vault27 Prohibited Activities Policy.
Your Vault27 virtual card is accepted wherever Mastercard or Visa prepaid cards are accepted, including:
  • Online merchants — Amazon, eBay, Shopify stores, and millions of other e-commerce platforms.
  • Subscription services — Netflix, Spotify, Adobe, Microsoft, and other digital subscriptions.
  • Gaming platforms — Steam, PlayStation Store, Xbox, and app stores.
  • Mobile wallets — Apple Pay and Google Pay.
  • Any website or app accepting Visa or Mastercard virtual prepaid cards.
Not accepted at:
  • ATMs — cash withdrawals are not supported.
  • Gambling platforms (subject to Prohibited Activities Policy).
  • Adult entertainment services.
  • Merchants that do not accept prepaid cards.
Yes. Vault27 Card works in 150+ countries wherever Mastercard or Visa prepaid cards are accepted. Foreign currency transactions are converted to USD using the applicable card network exchange rate. A foreign currency fee of 1–3% applies — the exact rate is displayed in your dashboard before the transaction is confirmed.
No. Vault27 Card does not support ATM cash withdrawals. The card is designed for online and point-of-sale purchases only. ATM functionality is not available for virtual cards at this time.
No. Your revenue share relationship is permanently assigned at the time of registration based on the revenue share link you used to sign up. Revenue share sponsors cannot be changed under any circumstances. This ensures the integrity and fairness of the commission tracking system.

Security & Support

Is Vault27 Card secure?
Yes. Vault27 Card implements industry-standard security measures including:
  • TLS 1.2+ encryption for all data transmitted between your device and the platform.
  • AES-256 encryption for all personal and financial data stored at rest.
  • PCI DSS compliant card data handling through our card programme partner.
  • Two-factor authentication (2FA) for account access.
  • Real-time fraud monitoring and transaction risk scoring.
  • KYC-based identity verification for all cardholders.
  1. Immediately freeze your card through the security settings in your Vault27 dashboard.
  2. Contact Vault27 support immediately at legal@vault27.pro with the subject line “CARD
    COMPROMISED”.
  3. Provide your account username, the date you noticed the compromise, and details of any
    suspicious transactions.
  4. Vault27 will investigate and, if appropriate, issue a replacement virtual card.
Your wallet balance and card balance are protected separately. Freezing your card does not affect your wallet balance. Vault27 is not liable for unauthorised transactions that occur before you report a compromise — report suspected issues immediately.
  • Email: legal@vault27.pro
  • Live chat: Available at vault27.pro
  • Response time: Within 24 hours for standard enquiries. Urgent security matters are prioritised.

When contacting support, always include your account username (not your password), a clear description of your issue, and any relevant transaction IDs or dates. Vault27 will never ask for your password.

Dashboard Features

What can I do in my Vault27 dashboard?
  • View your virtual card details (card number, expiry, CVV — securely displayed).
  • Check your card balance and wallet balance separately.
  • Top up your card from your wallet balance.
  • View your full transaction history.
  • Access your unique revenue share link and copy it for sharing.
  • Track your full 9-level revenue share network tree.
  • View commission earnings broken down by level and by transaction.
  • Download account statements.
  • Manage account settings and security preferences.
  • Freeze or manage your card security settings.
Your dashboard provides a complete earnings breakdown:
  • Total Earnings — combined card purchase bonuses and top-up commissions.
  • Card Bonuses — one-time commissions from card purchases in your network.
  • Top-Up Commissions — recurring commissions from top-up activity.
  • By Level — detailed breakdown of earnings per level (1–9).
  • Transaction History — individual commission events with timestamps and amounts.

Availability & Compliance

What countries is Vault27 Card available in?
Vault27 Card is available in 150+ countries wherever Mastercard or Visa prepaid cards are accepted. Availability is subject to local regulations, card network rules, and Vault27’s compliance requirements.
Currently restricted jurisdictions include:
  • North Korea (DPRK)
  • Iran
  • Syria
  • Cuba
  • Russia (designated sectors)
  • Belarus (designated sectors)
  • Crimea, Donetsk, and Luhansk regions of Ukraine
  • Any other jurisdiction subject to comprehensive international sanctions.
Vault27 Card operates in compliance with applicable financial regulations, AML/KYC requirements, and card network rules. Full KYC identity verification is required for all cardholders. Vault27 maintains active transaction monitoring and sanctions screening programmes. You are responsible for ensuring that your use of the Vault27 Card complies with the laws of your own jurisdiction. Vault27 does not provide legal advice.

Troubleshooting

My card transaction was declined. Why?
Common reasons for a declined transaction:
  • Insufficient card balance — check your balance in your dashboard.
  • The merchant does not accept prepaid Mastercard or Visa cards.
  • The transaction involves a restricted merchant category (see Prohibited Activities Policy).
  • Your daily spending limit has been reached.
  • A security hold has been placed — contact legal@vault27.pro.
  • The transaction involves a restricted jurisdiction.
  1. Verify you sent a supported Crypto Asset (USDT ERC-20, USDC ERC-20, APTM, wUSDT, or wAPTM) on the correct network.
  2. Check the Ethereum blockchain explorer for your transaction — ERC-20 confirmations can take 5 to 30 minutes depending on network conditions.
  3. Ensure you are checking your WALLET balance, not your card balance.
  4. If more than 60 minutes have passed and funds have not appeared, contact legal@vault27.pro immediately with your transaction hash, the amount sent, and the wallet address you sent from.
Never send TRC-20 USDT or any other non-ERC-20 asset to your Vault27 wallet address. Such transactions cannot be recovered and will result in permanent loss of funds.
Log in to your Vault27 dashboard. Your unique revenue share link is always displayed at the top of your dashboard. The format is:
https://vault27.pro/frontend/signup.html?ref=XXXXXXXX
  1. Confirm the person you recommended used your specific revenue share link — not a link from another member.
  2. The recommended user must have completed full registration, KYC verification, and payment.
  3. Allow up to 24 hours for the revenue share partner to appear in your dashboard.
  4. If the revenue share partner still does not appear after 24 hours, contact legal@vault27.pro with the email address of the revenue share user and the date of registration.
For any questions not covered in this FAQ, please contact the Vault27 Card support team at legal@vault27.pro. Response times are within 24 hours. For urgent security matters, mark your email subject line “URGENT”.

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