LetsPay

LetsPay (San San Financial) is a Hong Kong-licensed-institution-backed U-card brand aimed at crypto off-ramping: Mastercard/Visa virtual and physical cards plus a unique "super transfer card" that moves funds to mainland UnionPay personal accounts via a compliant channel. Physical cards ship to the mainland by SF Express; ATM withdrawals ride the UnionPay network (mainland RMB included).

Listing verification (2026-11-10, official site + third-party cross-check)

• letspay.cc reachable today; the "Hong Kong licensed institution, verifiable at the HKMA" claim is third-party wording - the licence number is not published on the official site, so verify at HKMA yourself;
• Mastercard physical card: 138U opening fee + 10U annual fee, consistent across multiple third-party sources (not directly verified on the official site - labeled as corroborated third-party data);
• 0% spending in Hong Kong, 2% overseas (matches the submitted table and third-party sources); ATM 3.95% is from the submitted table, while one third-party review cites a combined ~3.5% (1.5% spend + 1% swap + 1% load) - both sets exist, trust the in-app figures;
• Onboarding needs only an ID or passport photo, no face check (third-party wording); USDT top-up is 0-fee (BSC/TRC20/ERC20).

Entity & licence check (2026-11-11) - partially verifiable: the "issued by a Hong Kong licensed institution, checkable at the HKMA" claim is consistent across several third-party reviews, but neither entity name nor licence number appears on the official site or terms - search the HKMA registers yourself before committing large amounts. Transparency grade: medium-low.