> For the complete documentation index, see [llms.txt](https://card.payprotocol.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://card.payprotocol.io/paycoin-mastercard-faq.md).

# PAYCOIN MASTERCARD FAQ

<details>

<summary>What is the Paycoin Mastercard?</summary>

The Paycoin Mastercard is a crypto asset-based debit card that allows users to top up PCI tokens and use them directly for payments. The card is linked to your Web3 wallet, enabling fast and easy payments anywhere in the world.

</details>

<details>

<summary>Where can I use it?</summary>

The card can be used at any Mastercard-accepting merchant worldwide, both online and offline.\
It can also be added to Google Pay and Apple Pay, and is suitable for online shopping, travel, subscription services, and more.

</details>

<details>

<summary>How can I get the card?</summary>

To receive your Paycoin Mastercard:

1. Download the PayProtocol App
2. Deposit PCI into your wallet
3. Mint your Account NFT
4. After completing the KYC and card issuance process, your card will be ready for use

</details>

<details>

<summary>In which countries can the card be issued?</summary>

The Paycoin Mastercard can currently be **issued** in the following countries and regions:

**Countries and regions where the Paycoin Mastercard can be issued:**\
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Iceland, Liechtenstein, Norway

</details>

<details>

<summary>Are there any fees for issuing or using the card?</summary>

* **Account NFT issuance fee:** Approximately CHF 5 worth of PCI
* **Top-up fee:** Around a 1% processing fee when topping up the card balance
* **On-chain network fees** (e.g., PCI wrapping or transfer costs) are covered by the PayProtocol Foundation, so users do not incur any additional blockchain-related charges.

</details>

<details>

<summary>What is an Account NFT and why is it needed?</summary>

The **Account NFT** is a unique Web3 token that represents your personal payment account. It replaces traditional IDs and passwords by using Web3 wallet-based authentication. It is required in order to use the Paycoin Mastercard. Only one Account NFT can be issued per wallet, and duplicate issuance is not allowed for the same wallet.

</details>

<details>

<summary>How to Top-Up the Paycoin Mastercard</summary>

When Paycoin (PCI) is topped up to the card, it is automatically converted into stablecoins (USD24, CHF24, or EUR24), which are then issued to the user’s wallet.\
During card payments, the corresponding stablecoin balance is automatically deducted.

</details>

<details>

<summary>How is PCI converted into USD?</summary>

When a user initiates a Top-Up, PCI is automatically swapped to USDC via Uniswap, and then converted into one of the 24Tokens (USD24, EUR24, or CHF24).

The Top-Up process proceeds as follows:

1. The user initiates a Top-Up request in the app.
2. PCI is sent to a Uniswap liquidity pool and automatically swapped to USDC
3. The swapped USDC is converted into one of the 24Tokens (USD24, EUR24, or CHF24)
4. The corresponding 24Token is deposited into the user’s PayProtocol Wallet account

※ 24Tokens are stablecoins **pegged 1:1 to their respective fiat currencies**

</details>


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