Как открыть американскую криптокарту для россиян? + Гайд с пополнением в рублях

Hello everyone. You're on the MiningCenter channel. My name is Vlad Shershukov. And in this episode, we'll talk about how to get an American card if you're from Russia, Ukraine, or the CIS. Any citizen from the former USSR can currently open an American card with ease. And this is especially relevant during this period of sanctions against many countries. We are talking about a crypto card that can be topped up with cryptocurrency. But in this video, we will also show you a lifehack on how to top it up. Specifically, using rubles. To start, all you need to do is register on the PaneaEX exchange. If you don't have one yet, the link is in the comments below this video. And this exchange, in fact, allows you to open crypto cards from various issuers. To open one, as I said, you first need to register, and second, you need to complete verification. You can verify using your internal passport or your international travel passport. And that's, in fact, all there is to it. The entire functionality of the exchange will be open to you. You can trade and do whatever you want, but we are interested in specific features. There is a card section here, including if you open it via the mobile version—yes, you can download the app from the App Store or Google Play, whichever is convenient. But in this video, I'm showing you how to open it using a computer. We go to the "Personal Card" section, and you will see a button here to open a card. There are two variations, or even three, of cards available. First, let's look at the ones suitable for citizens of the Russian Federation. There is a standard Mastercard that can be opened for free. All you need to do is have between 10 and 100 dollars on your balance, depending on when you watch this video. This money is not deducted. It's just a check by the issuer to verify your solvency. After opening the card, you can withdraw these funds. But I want to say right away that I would keep a minimum balance on the exchange's card account so your card doesn't get closed. Especially if you open a free card, the issuer watches how often you make transactions and if you have funds on the balance. If you are not an active user, they will close your card. Firstly, it is free. Secondly, if you don't bring value to the issuer, you will naturally be excluded from the program. It's worth understanding that. But nevertheless, you will be able to get your funds back and withdraw them from the exchange. An important nuance is that this card is intended for active use. If you don't plan on using it now, but plan to use it in the future, it's better to open it in the future. The card has a fee; that's actually how the issuer makes their money. The fee for the American card is 3.5%. But don't rush to complain, I'll tell you right now how to offset this fee. On the free card, you get 1% cashback, so 3.5% minus 1% leaves us with a 2.5% loss. But you don't actually pay for card maintenance or card opening. That is, in fact, the whole point. Plus, you have an American issuer, which allows you to pay for various services in the States, including making purchases if you have a need for that. As far as I recall, at the moment, this is the only exchange that allows you to open, firstly, a card for free, and secondly, a card from an American issuer. This is a very important story. I would also like to say that there is a Visa card available here as well. Visa is available for non-residents of the Russian Federation. I have several residencies, so I registered my account not using a Russian passport. The only difference is that on the Visa, I have a 1% fee and a 1% cashback. That means I break even; I deposited 100 USDT, paid for a $100 purchase, and exactly 100 USDT was deducted from me. But don't rush to get upset or sad, because right now, at the time of this video's release, a new card has been released: the Gold Panex Card. It comes with 5% cashback. And this is the main highlight for all those who need a good cryptocurrency card. Firstly, it connects to Apple Pay and Google Pay, so you can make contactless payments abroad. I use it for payments myself. And the second important point is that it has a 5% cashback. Remember we said that the Mastercard, the American card—the gold card is also an American Mastercard—that the Mastercard has a 3.5% fee. The issuer takes that for risks, for conversion, for everything. And here you offset it with your cashback. So it turns out, you deposited 100 USDT, paid for a $100 purchase, 103.5 was deducted from you, but you got 5% back, which is $5. In total, you paid $98.5 for the purchase. So you are paying 98.5% of the real cost. Because, that's right, you have cashback, but the cashback has a limit. Cashback is only valid for spending up to $4,000 per month. So, for $4,000, your cashback is $200. We multiply, yes, by 5%. But in essence, that is the main feature of this card, which allows you, firstly, to open a US issuer, and secondly, to actually pay for everything with cashback and, essentially, without paying commissions; on the contrary, you'll even accumulate 1.5% of that spread. The Gold card is unfortunately paid, but it pays for itself in literally a month of use. And most likely, if you are watching this video at the time of its release, September 9th or 10th, there is a special promotion going on right now that will last for just a couple of days. As you see in the video, this card costs only 50 dollars, but later it will cost 100 dollars. We cannot influence this, but in any case, you will have the choice of which card to open. A standard, yes, card, uh, at no cost, that is, zero cost, or a paid one for 100 bucks, or for 50 at the time you watch the video, if you made it in time. And here you decide what is more important to you. If you have small expenses and, in fact, the commission isn't that significant for you—if you only pay for something like ChatGPT or a Netflix subscription and your spending is 20-50 dollars a month—then there is probably no point in buying the Gold card. But if you travel actively and need a good card for constant daily payments, then it is quite possible the Gold one will suit you better, because you only pay once. Here are the main differences: free issuance is for the standard card, and for Gold, it's 50 dollars at the time of recording, or 100 dollars if you watch after the 11th. Cashback on purchases is 0.1% on the standard Mastercard and up to 5% on the Gold. After spending 4,000 dollars a month, your cashback is 1%. So, there is cashback. Right now, we are essentially in a pre-order period. That is, a pre-order for early birds who want to open this card for themselves. And thanks to the PNX exchange, we were given the opportunity to share this pre-order with our audience, because this is for a limited audience and a limited number of influencers who can offer a 50% discount. I think this is a pretty good deal, considering that there are simply no analogues with such cashback on a US issuer. I have recorded a bunch of videos with various cards. I use various cards. I have Bybit, Altin, Antarctic, the one from the BNK exchange, and I could have opened a MEXC one too. But the key feature is always the cashback. And it's important when you spend your funds, yes, cryptocurrencies, that not only is the conversion difference offset, but it's also desirable that something keeps accumulating. In this case, well, roughly speaking, let's say you're breaking even, maybe a 1-1.5% bonus, which is a nice perk, but for me, it's more important not to pay more than an item is worth. So, if I'm paying in dollars, it's easier for me to count it one-to-one. And here, we actually end up with even more. Registration is, in fact, via the link. I will leave the link in the description under this video. If the promotion is already over, then, well, the discount link will still be open. This will just be a link to the Pex exchange, where you can always get additional bonuses if you don't hav

with ease. And this is especially relevant during this period of sanctions against many countries. We are talking about a crypto card that can be topped up with cryptocurrency.

But in this video, we will also show you a lifehack on how to top it up.

Specifically, using rubles. To start, all you need to do is register on the PaneaEX exchange. If you don't have one yet, the link is in the comments below this video. And this exchange, in fact, allows you to open crypto cards from

various issuers. To open one, as I said , you first need to register, and second, you need to complete verification. You can verify using your internal passport or your international travel passport. And that's, in fact, all there is to it. The entire

functionality of the exchange will be open to you. You can trade and do whatever you want, but we are interested in specific features. There is a card section here, including if you open it via the mobile version— yes, you can download the app from the

App Store or Google Play, whichever is convenient. But in this video, I'm showing you how to open it using a computer. We go to the "Personal Card" section, and you will see a button here to open a card. There are two

variations, or even three, of cards available. First, let's look at the ones suitable for citizens of the Russian Federation. There is a standard Mastercard that can be opened for free.

All you need to do is have between 10 and 100 dollars on your balance, depending on when you watch this video.

This money is not deducted. It's just a check by the issuer to verify your solvency. After opening the card, you can withdraw these funds. But I want to say right away that I would keep a minimum balance on the exchange's card

account so your card doesn't get closed . Especially if you open a free card, the issuer watches how often you make transactions and if you have funds on the balance. If you are not an active user, they will close your card.

Firstly, it is free. Secondly, if you don't bring value to the issuer, you will naturally be excluded from the program. It's worth understanding that.

But nevertheless, you will be able to get your funds back and withdraw them from the exchange. An important nuance is that this card is intended for active use. If you don't plan on using it now, but plan to use it in the

future, it's better to open it in the future. The card has a fee; that's actually how the issuer makes their money. The fee for the American card is 3.5%. But don't rush to complain, I'll tell you right now how to offset this

fee. On the free card, you get 1% cashback, so 3.5%minus 1%leaves us with a 2.5%loss. But you don't actually pay for card maintenance or card opening.

That is, in fact, the whole point. Plus , you have an American issuer, which allows you to pay for various services in the States, including making purchases if you have a need for that.

As far as I recall, at the moment, this is the only exchange that allows you to open, firstly, a card for free, and secondly, a card from an American issuer. This is a very important story.

I would also like to say that there is a Visa card available here as well.

Visa is available for non-residents of the Russian Federation. I have several residencies, so I registered my account not using a Russian passport. The only difference is that on the Visa, I have a 1%fee and a 1%cashback. That means I

break even; I deposited 100 USDT, paid for a $ 100 purchase, and exactly 100 USDT was deducted from me. But don't rush to get upset or sad, because right now, at the time of this video's release, a new card has been released:

the Gold Panex Card. It comes with 5% cashback. And this is the main highlight for all those who need a good cryptocurrency card. Firstly, it connects to Apple Pay and Google Pay, so you can make contactless payments abroad. I use it for payments myself.

And the second important point is that it has a 5%cashback. Remember we said that the Mastercard, the American card —the gold card is also an American Mastercard—that the Mastercard has a 3.5%fee. The issuer takes that for risks, for conversion, for everything.

And here you offset it with your cashback. So it turns out, you deposited 100 USDT, paid for a $ 100 purchase, 103.5 was deducted from you, but you got 5%back, which is $ 5. In total, you paid $ 98.5 for the purchase

. So you are paying 98.5%of the real cost. Because, that's right, you have cashback, but the cashback has a limit.

Cashback is only valid for spending up to $ 4,000 per month. So, for $ 4,000, your cashback is $ 200. We multiply, yes, by 5%. But in essence, that is the main feature of this card, which allows you, firstly, to open a US issuer, and

secondly, to actually pay for everything with cashback and, essentially, without paying commissions ; on the contrary, you'll even accumulate 1.5%of that spread. The Gold card is unfortunately paid, but it pays for itself in literally a month of use.

And most likely, if you are watching this video at the time of its release, September 9th or 10th, there is a special promotion going on right now that will last for just a couple of days. As you see in the video, this

card costs only 50 dollars, but later it will cost 100 dollars. We cannot influence this, but in any case, you will have the choice of which card to open. A standard, yes, card, uh, at no cost, that is, zero cost, or a paid one

for 100 bucks, or for 50 at the time you watch the video, if you made it in time. And here you decide what is more important to you. If you have small expenses and, in fact, the commission isn't that significant for you—if you

only pay for something like ChatGPT or a Netflix subscription and your spending is 20-50 dollars a month— then there is probably no point in buying the Gold card. But if you travel actively and need a good card for

constant daily payments, then it is quite possible the Gold one will suit you better, because you only pay once.

Here are the main differences: free issuance is for the standard card, and for Gold, it's 50 dollars at the time of recording, or 100 dollars if you watch after the 11th. Cashback on purchases is 0.1%on the standard Mastercard and up to 5%on the Gold.

After spending 4,000 dollars a month, your cashback is 1%. So, there is cashback. Right now, we are essentially in a pre-order period. That is, a pre-order for early birds who want to open this card for themselves. And thanks to the PNX exchange, we were

given the opportunity to share this pre-order with our audience, because this is for a limited audience and a limited number of influencers who can offer a 50%discount. I think this is a pretty good deal, considering that there are simply no analogues with such

cashback on a US issuer. I have recorded a bunch of videos with various cards. I use various cards. I have Bybit, Altin, Antarctic, the one from the BNK exchange, and I could have opened a MEXC one too. But the key

feature is always the cashback. And it's important when you spend your funds, yes, cryptocurrencies, that not only is the conversion difference offset, but it's also desirable that something keeps accumulating. In this case, well, roughly speaking, let's say you're breaking even, maybe a 1-1.5%

bonus, which is a nice perk, but for me , it's more important not to pay more than an item is worth. So, if I'm paying in dollars, it's easier for me to count it one-to-one. And here, we actually end up with even more.

Registration is, in fact, via the link. I will leave the link in the description under this video. If the promotion is already over, then, well, the discount link will still be open.

This will just be a link to the Pex exchange, where you can always get additional bonuses if you don't have an account on our exchange yet. Exchanges distribute money to our subscribers in different ways; sometimes there are vouchers, sometimes deposits for

trading bots. It's always different, always random, but I'll try to keep current lists here. But the key thing, of course, is the American crypto card.

And a bit later, I'll show you how to top it up with rubles. Who is it for?

Usually, they say it's for those who want to start without an issuance fee. This video is not about you needing to rush out and buy this gold card. For most people, the regular free one will suffice. Please, come and get it for 0

rubles. 0 dollars, and the gold one is for those who travel and who, actually, spend. Well, obviously, there is a calculator here. Estimate your expenses . If we compare, for example, with expenses—let's set it to 4,000 dollars a month as indicated—with the

standard Mastercard you'd get 4 dollars cashback, but with the gold one, it would be 200 bucks. So, its cost is 50 dollars. It's clear that it pays for itself much faster. Oh, and by the way, flexible income accrual. There's also

an API for it; meaning, the money you keep on the card, say you put in 100-200 dollars, you also earn 5%APY, which is the annual rate. But I would like to remind everyone that you shouldn't keep all your funds on

exchanges. Only keep what you are currently using. Everything else should be kept in non-custodial wallets where the seed phrase belongs to you. There are free wallets like Trust Wallet and various others. There are hardware wallets, yes, various Ledgers, Trezors,

SafePals, OneKs, which are sold in our store at the factory price. We are resellers for many brands and bring them into Russia directly from the factory, bypassing various middlemen.

So it's a direct supply, which guarantees that you get a device that isn't reflashed or tampered with in some makeshift way; it's straight from the factory. If this is relevant to you , be sure to subscribe to our Manicents

channel and to my personal blog. I talked about various ways to convert cryptocurrency there, where to buy, where to sell, but more on that later.

Actually, the card is suitable for payments all around the world. The promotion period, as I said, lasts until the eleventh. Participants: any user who follows the link to the promotion page can take part. As I mentioned regarding our link, it is

important that this card is only available to those who have not opened a Panex card yet. If you already have an account and have opened a standard card, the Gold card with privileges will be unavailable to you. But if you

have an account and haven't opened a card, you can open a Gold card. Again, it is most likely that this opportunity is currently available only to our referrals, perhaps to some others, but we don't know the full history.

Cashback terms: apply for the card through this page. During the promotion period, get a 50%discount, 50 USDT instead of 100 USDT. After the card is issued, spending on it gives up to 5% cashback, a maximum of 200 dollars per

calendar month, and for amounts over 200 dollars, the cashback is 1%. Well, actually, 4,000 dollars is quite a large amount for most people. So, you have to try quite hard to exceed it.

The standard Mastercard has no issuance or annual maintenance fees. What was I talking about? There is a regular, basic card and a paid one with increased cashback. Usage fees still apply. Registration requires KYC level two and assets of over 100 dollars in

the Mastercard account. You see, at the time of the promotion, it is necessary to have 100 dollars in the account. It used to be 10 dollars, but it is essentially the same thing. You create an account on the exchange, deposit 100

dollars if you don't have cryptocurrency yet. Now I will show you how to buy it and how to transfer it.

And, actually, that is all for the main points. The transaction fee for Mastercard is 3.5%. Unfortunately, the US issuer asks for more, the highest rate. If Singaporean issuers take 1%, the American ones take 3.5%. But again, as I said, it can be offset here by the

cashback. You pay once and then use it. Now for those who don't know how to deposit cryptocurrency here. Because not everyone knows how to buy crypto, or they use old methods like P2P, where you can get caught in a triangle, and

either bad funds arrive on your card, or you send money where you shouldn't. Because P2P is a dangerous thing for beginners right now. In any case, I don't use it personally, even though I've been in the market for a long time

. Luckily, there are services like Altyn available now. I use this tool myself, sometimes paying for things in Russia. What's the point? Well, through Altyn, yes, the service; the link will be in the description and comments. You can buy cryptocurrency legally via SBP,

or you can simply deposit crypto, or conversely, deposit crypto here and withdraw it legally to your bank card, mobile phone account, or buy gift cards for the Russian App Store. And as far as I know, currently you cannot top up

your App Store account in Russia; you can only buy gift cards. And here you can do exactly that. Plus, you can also withdraw rubles to a foreign card. That is, just like with SWIFT before, you deposited rubles and withdrew dollars

to another country. And you can also pay for various things via SBP. Meaning you deposit cryptocurrency and pay via SBP in stores. And a special bonus.

There is a free Mir crypto card available here. So, by using our link, you can open a Mir crypto card, top it up with cryptocurrency, and pay in stores or for online orders, and the amount will be deducted in USDT. The

concept is quite simple. To top up our PNX crypto card, if you have rubles, you need to add funds to Altyn in rubles. Then we click withdraw and choose the wallet address. We choose, for example, TRC20 or TON, and go to

the PNX exchange. Here we click deposit , yes, for example, we select what we want to deposit, say USDT, TRC20. We copy the address, go back to Altyn, and enter the address where we are transferring the funds. That's it,

we've deposited the rubles. Once they arrive at Altyn, we withdraw USDT; they are automatically converted and sent to your PNX account. I would also like to say, definitely subscribe to my Telegram channel, Nalichny Blog, where we post daily rates for buying and

selling USDT for rubles. This is for those guys looking for legal ways to buy at the moment. As you know, new crypto regulation laws came into effect on September 1st, and now there are certain nuances that we constantly talk

about on YouTube. In my Telegram, I constantly show which services offer the best rates, which are the worst, and where you can open a crypto card.

And where you can pay with QR codes without KYC. For example, many of our subscribers want to pay for purchases with cryptocurrency without disclosing their documents. I’ve talked about this on the Telegram channel as well.

Moreover, if a situation in the market changes abruptly, that information appears in our Telegram channel first, since writing a post takes only a few minutes, while recording and editing a video takes several hours. We look forward to seeing everyone there. We

also have a Mining Center Telegram channel, where you can, by the way, buy hardware wallets for secure storage. If you don't have one yet, I highly recommend it. It's a small amount of money. Prices start at 60 dollars for a

hardware wallet, a small price for peace of mind. Because I never recommend keeping money on exchanges under any circumstances. Only the amounts that you aren't afraid to lose.

You've seen it yourselves. For example, at the moment, I have 250 dollars on the Pionex exchange, right? So, I only use the amounts that I'm currently spending. Nothing more, nothing less.

And, as I said, I have various cryptocurrency cards. I have a virtual Bybit card, a physical Bybit card, and two Pionex cards. Right now, I'm getting this physical gold-plated one.

By the way, for those who want to get a gold-plated metal card, there is an opportunity to receive it through our referral. For those who trade in large volumes. If you're interested, message me in my personal Telegram blog;

there's a contact in the description, and I'll help you get one. I have a BingX crypto card, and, in fact, Altana also has a crypto card. And as for Pionex, you can also add it to your Apple Wallet and pay contactlessly,

literally with a single tap. Be sure to let me know if you managed to open this card. Which card would you choose: the free one or the one that currently costs 50 dollars? Is it worth the money , or is that price too high? I would

also be interested to hear your opinion . Thank you all for watching. If this video was useful for you, be sure to hit the like button, subscribe to our YouTube channel, and follow our Telegrams. I think there is a sea of

useful information there for you. Goodbye, everyone.