Odix Pay
Odix Technology · Mastercard
Odix Pay is a non-custodial crypto card and multi-currency wallet launched in November 2024 by Turkey-based BMB Bilisim Ticaret ve Sanayi A.S. (Odix Technology brand). Users can top up USDT/USDC and other assets (BTC, ETH) from external wallets such as Binance, Coinbase or Trust Wallet and spend via a virtual or physical Mastercard at around 44 million merchant locations, with Google Pay and Apple Pay support (Apple Pay excluded on White and Black tiers). It offers escalating tiers (White, Black, Diamond) with daily spending limits up to 500,000 USD and beyond. Several card commercial figures (issuance fee, annual fee, FX markup) are not officially documented: third-party sources list the FX markup as not disclosed, issuance is advertised as 'no setup fees', and users report an unconfirmed ~200 USD physical-card cost not stated on the official site. Cashback is 0% across all tiers per third-party sources.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Mastercard |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | Limite di spesa giornaliero fino a 500.000 USD sul tier Black (fonte: pagina carta ufficiale); non e' documentato un limite ATM specifico. |
| ATM withdrawal | not declared |
| FX markup | 0% |
| Cashback | Not disclosed |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 6/10 |
| Supported countries | EEA, UK, LATAM, APAC |
| Estimated net annual cost | €0/year |
| Segment | B2C |
| MiCA / License status | Not disclosed |
Strengths
- Non-custodial wallet: the user keeps control of their own funds
- Virtual and physical Mastercard usable at around 44 million merchant locations
- Fee-free USDT/USDC top-up and account opening with no setup fee
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Very recent service (launched November 2024) with a team not independently verified
- Limited transparency: FX markup undisclosed and physical-card cost not officially confirmed
- Not available in the USA and no publicly documented financial license
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Low protection: no publicly documented financial license and an unverified team. As a non-custodial wallet the user keeps control of funds, but there are no regulatory guarantees on deposits.
Good sovereignty: a non-custodial wallet where the user keeps the keys and can move assets in from external wallets, reducing reliance on third-party custody. Limited transparency and the lack of a license remain the main drawbacks.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Odix Pay, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
-
Google Play ↗
3.1/5
306 reviews
Android version (package com.odixtechnology.odix). Exact count from structured data: 306 ratings, average 3.090909 on the Turkish storefront — the same market chosen for iOS. Worth flagging: the identical 306 ratings return 4.125 on the US storefront, because Google Play computes a per-country average over a global count. We publish the figure for the market where the service operates.
-
App Store ↗
4.1/5
82 reviews
Rating of the «Odix Pay & Card» app on the Turkish storefront, the market where the service is actually used, read from Apple's public endpoint (exact value 4.06098 across 82). The very same app id scores 2.4 across just 10 ratings on the US storefront: too small a sample, reported for transparency only. Apple counts ratings per country.
Weighted average across 2 public review platforms (388 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Odix Pay custodial or non-custodial?
According to third-party sources, Odix Pay is a non-custodial wallet: users keep control of their own assets, which can be moved in from external wallets such as Binance, Coinbase or Trust Wallet.
Which network does the Odix Pay card run on?
The Odix Pay card, available as virtual and physical, runs on the Mastercard network and can be used at around 44 million merchant locations, with Google Pay and Apple Pay support (Apple Pay not on White and Black tiers).
Sources
- Official service page Nome · Azienda · Url ufficiale · Card issuance fee · +6 Data verified on Jul 12, 2026
- todey.xyz Payment network · Custodial · Virtual card · FX markup · +4 Data verified on Jun 22, 2026