As digital assets continue to reshape the global financial system, a fundamental question remains unresolved: How can on-chain wealth flow securely and efficiently into everyday use?

While crypto assets now see higher daily transaction volume than Visa and MasterCard combined, most crypto assets remain locked in wallets or exchanges—difficult to spend in real life.

AP UCard was created to solve exactly this problem.

Project Background

Founded in 2018 and registered in the British Virgin Islands (BVI), Alpha Partners (AP) is a global company focused on building digital financial infrastructure. The platform has served over one million users, with a cumulative transaction volume exceeding $10 billion.

In 2025, AP strategically invested in the UK-based U3 Foundation and obtained an official API license from the UK Financial Conduct Authority (FCA), marking its entry into regulated payment services.

That same year, AP partnered with Visa and MasterCard to launch its flagship product—AP UCard, a global stablecoin payment card tailored for the Web3 era.

What is AP UCard?

AP UCard is not a wallet or an exchange. It is a real-world payment terminal powered by digital assets.

Users can recharge with crypto assets, and the system automatically converts it to local fiat currencies. The card can be used both online and offline, supporting payments in over 210 countries and regions, 170 million merchants, and 3.2 million ATMs.

Whether you're buying coffee in Tokyo, riding the metro in Paris, or shopping on Meituan or Douyin in China, AP UCard makes crypto truly usable.

Key Product Features (Expanded)

1. Stablecoin Recharge

Users can recharge their AP UCard account with crypto assets across network. Each top-up address is uniquely tied to a card account and is fully traceable on-chain for transparency and security.

2. 1% Auto Conversion Fee

Each recharge is converted to USD at real-time market rates with a flat 1% fee. No need for centralized exchanges, manual swaps, or withdrawal delays—just fast, efficient access to usable funds.

3. Global Payment & Withdrawal

AP UCard can be used in 210+ countries at over 170 million merchants. It supports Visa and MasterCard POS terminals and works at more than 3.2 million ATMs worldwide.

4. Local Currency Settlement

No matter where you are, payments are automatically settled in the local currency (e.g., RMB, EUR, JPY, HKD) at the time of the transaction. No manual currency exchange needed.

5. Multi-Card System

Each account supports up to 10 cards—both virtual and physical—with a shared balance. Ideal for multiple use cases or team-based asset management.

6. Local Payment Compatibility

In addition to global card payments, AP UCard can be linked to Apple Pay, Alipay, WeChat, Meituan, Douyin, PayPal, and more. This enables seamless online and offline usage in localized environments.

7. Pre-Authorization Ready

AP UCard supports full credit card functions such as hotel reservations, gas station deposits, ticket booking, and car rentals—meeting real-world consumption needs.

8. Asset Protection Mechanism

User funds are managed through separated cold and hot wallets. Over 95% of assets are stored in cold wallets to enhance security. In case of system failure, AP offers full compensation guarantees.

Compliance and Trust

Unlike many unregulated crypto cards on the market, AP UCard operates under the UK’s FCA regulatory framework and clears transactions through Visa and MasterCard’s global infrastructure.

This means AP does not bypass regulation—it builds within it. This foundation allows the platform to expand into compliance-sensitive markets like the EU, UK, and Hong Kong.

For digital assets to enter the mainstream, regulatory alignment isn’t optional—it’s essential.

AP’s Long-Term Vision

AP UCard is just the beginning. The company’s ultimate goal is to build the world’s first fully integrated Web3 digital bank, offering:

• Crypto asset storage and management

• Cross-chain compatibility

• Stablecoin-based savings and lending

• On-chain identity solutions

• Fiat-crypto integrated payment loops

AP UCard serves as the first step in this global distribution strategy.

Why It Matters

Blockchain is no longer just an experimental tech layer—it’s rapidly becoming the backbone of global asset systems. But adoption won’t come from DEXs and DeFi alone. We need something tangible—a card you can swipe and funds you can spend.

For students abroad, digital nomads, crypto freelancers, and DAO members, AP UCard enables not just financial freedom, but a new way of living.

The future of crypto isn’t coming—it’s already here.

From holding assets to spending them, AP UCard opens the door.