Frequently Asked Questions

Stable by Western Union is a Visa® spend card that lets you spend, withdraw cash, and shop online just like any other card. The value on the card is stored in US Dollar Payment Token (USDPT).

USDPT stands for US Dollar Payment Token. It is a digital version of the US dollar (USD) , . For every USDPT issued, an equal amount of USD is held in reserves such as bank deposits, U.S. Treasury bills, and other cash equivalents.

Yes, USDPT is related to cryptocurrency, but more specifically, it is a stablecoin. Its purpose is to provide a fast, low-cost way to send and receive money worldwide, 24/7, combining the stability of US dollar with the efficiency of blockchain technology.

(USDPT) (US Dollar Payment Token) is a US dollar‑denominated digital payment token issued by Western Union. (USDPT) is designed to maintain a stable value relative to the US dollar. (USDPT) It is the only stablecoin used as collateral for Stable by Western Union.

(USDPT) is not legal tender, and holding (USDPT) is not the same as holding US dollars in a bank account.

No. Stable is not a prepaid card or bank account. The card does not provide access to a deposit account, does not offer interest, and does not represent a claim against FDIC‑insured funds. Card spending is limited to the value of (USDPT) deposited by the cardholder.

Stable by Western Union is a spend card that you can use for purchases and ATM withdrawals anywhere Visa is accepted. The card allows you to hold and spend stablecoin balances. The card is issued and managed by Rain, a financial technology company and Visa principal member, and is available through the {App name} mobile app, which you can download from the App Store and Google Play.

Stable by Western Union offers a simple and flexible way to use your US Dollar Payment Token (USDPT) tokens for everyday spending and cash access.

Easy to spend, track, and get cash:

• Use your USDPT funds for online and in‑store purchases anywhere Visa is accepted.
• Manage your card and track transactions in the Stable by Western Union mobile app.

• Enjoy a safer, more convenient alternative to carry cash.
• Withdraw cash in local currency at ATMs with the Visa logo.

Easy to set up and fund:

• Get started with no credit check, no minimum balance, and no hidden fees.
• Redirect Western Union money transfers to your card.
• Add funds to your card, including transfers from other USDPT wallets.

Stable by Western Union is supported by:

• Card issuer and program manager: Rain
• Card network: Visa®
• US Dollar Payment Token (USDPT) issuer: Western Union

Rain is responsible for issuing the card and processing transactions.

Western Union issues USDPT and provides customer‑facing support services, as defined in the program agreements.

You can apply for Stable by Western Union through the {App name} mobile app, where it is available.

Availability is subject to geographic, regulatory, and eligibility requirements. The mobile app can be downloaded from major app stores, including the App Store and Google Play.

Yes, identity verification is required to apply for Stable by Western Union.

Cardholders must provide personal information and documentation as required by applicable laws and regulations, including anti‑money laundering, sanctions screening, and customer identity verification requirements.

Identity verification is performed by Rain or its authorized service providers.

If approved, a virtual card is issued and available immediately in the [App name] mobile app and it can be added to major mobile wallet, such as ApplePay and Google Pay, so you can start using it right away.

If you would also like a physical card, you can request one after approval, and it will be mailed to the address on file for a fee.

After you complete onboarding in the mobile app and are approved, you’ll be issued a virtual card, which does not require activation.

If you request a physical card, either new or a replacement, you’ll need to activate it before use. To activate a physical card:

1. Log into your {App name} mobile app.
2. Select the card you want to activate from your dashboard.
3. Select Activate now and follow the on‑screen instructions.

After you fund your card with (USDPT) tokens, you can use your card anywhere Visa is accepted. The merchants will be paid in their local currency.

Foreign transaction fees may apply.

Yes, you can withdraw cash from any supported ATMs with the Visa logo. The amount withdrawn will reduce your US Dollar Payment Token (USDPT) balance and may be subject to withdrawal limits.

Yes, there are fees, including charges for card use and ATM withdraws. Other fees may apply; all fees can be found in the Terms and Conditions

You can redirect incoming Western Union money transfers straight to your Stable by Western Union card. This is only applicable for funds originally for cash pickup. When you do, the money is converted to US Dollar Payment Token (USDPT).

How to fund the card with USDPT:

1. Go to the Stable by Western Union mobile app
2. Select Card from the menu
   On the “Add funds” screen, funding options may include:
   • Transferring USDPT (US Dollar Payment Token) from another crypto wallet, including compatible wallets at crypto exchanges.
   • Redirecting received Western Union transfers and use them to fund the card with USDPT, where eligible.
3. Follow the on-screen instructions

Availability is subject to geographic, regulatory, and eligibility requirements. Local currency can’t be used to fund the card.

The spending and other transaction limits are based on program‑level risk controls and regulatory requirements. Limits are described in the applicable and may change.

You can view your available balance, transaction history, and statements in the {Stable} mobile app, available at App Store and Google Play.

You can set the PIN on the physical card in the app while activating the card once you have received the physical card in mail. When selecting Card from the menu in the app, the physical card will show on the screen. Select the physical card to activate it and set the PIN.

If your card is lost or stolen, lock it immediately in the {Stable} mobile app:

1. Log into the mobile app
2. Select your card
3. Select Lock

If you cannot locate the lock option, contact Customer Care through the in‑app chat.

Once your card is locked, you will not be able to make any transactions until you unlock it or activate a replacement card.

To unlock your card, use the Stable mobile app:

1. Log into the mobile app
2. Select your card
3. Select Unlock

Request a replacement if your card is permanently lost or stolen, please contact Customer Card via the chat function in the app.

After you order your replacement card:

• The card will be mailed to the address on file.
• Delivery time varies by shipping method and destination.
• Replacement cards must be activated in the Stable mobile app.

You can request a replacement card in the mobile app. The US Dollar Payment Token (USDPT) deposits associated with your card deposits remain available to fund the replacement card, subject to program terms.

You can close individual cards in the Stable mobile app. To close all cards and your Stable by Western Union account, please contact Customer Care.

Before closing your account, your remaining US Dollar Payment Token (USDPT) balance must be transferred or spent according to the Terms and Conditions.

If you believe a transaction was unauthorized, contact Customer Care through the in‑app chat and provide transaction details. Disputes are handled according to the Visa® dispute rules and program policies.