Engineered for Telegram.
Fund in ETB. Spend in USD.
Issue virtual Visa and Mastercard USD cards, fund from $20 with Telebirr, CBE Birr, or M-Pesa, and control everything—PIN lock, freeze card, show details—from Telegram.
Real-time In-Chat OTP & 3D Secure Engine
When a merchant needs verification, approve in Telegram with your app PIN. Card details stay protected and auto-hide after about 60 seconds when you tap show details.
Instant Inline Keyboard Auth
Approve high-value SaaS subscriptions, electronics purchases, and media spend with a single tap. Authorization packets execute on US gateway rails within 450 milliseconds of tapping.
Zero-Trust OTP Scrubbing
OTP codes are generated in hardware security modules (HSM) and automatically purged from the Telegram chat buffer 120 seconds after verification or merchant capture.
Automated Auto-Approval Rules
Set spending limits and get instant Telegram alerts. Freeze the card with one tap if something looks wrong.
Enterprise Infrastructure Built for Modern Operators
Unlimited Disposable 'Burner' Cards
Generate throwaway virtual debit cards on the fly. Each burner card automatically self-destructs after the first authorized charge or expires cleanly after 24 hours. Ideal for avoiding predatory free-trial renewals and sandbox subscriptions.
Domestic US AVS & Real ZIP Codes
Use your USD virtual card at online stores and services that accept Visa or Mastercard—subscriptions, apps, and international checkout.
Telebirr, CBE Birr & M-Pesa funding
Add money from $20 using Ethiopian mobile money. Your ETB payment converts to a USD wallet balance you can load onto virtual Visa or Mastercard cards—no crypto deposits and no bank wires for users.
Institutional Competitive Matrix
See how 21 Cards compares for Ethiopian users who want USD virtual cards without leaving Telegram.
| Capability & Metric |
21 Cards (Telegram)
|
Traditional bank cards | Other virtual card apps |
|---|---|---|---|
| schedule Issuance Setup Time | < 60 Seconds | 7 – 14 Business Days | 2 – 5 Days (KYC queue) |
| KYC & Onboarding Friction | Telegram mini-app signup | In-person Branch / Heavy SSN / Tax Returns | Strict Liveness + Passport scan |
| chat Native Telegram Chat Bot Core | check_circle Native Encrypted Bot Core | cancel None (Web/Legacy App only) | cancel None (Slow mobile apps) |
| Unlimited Disposable Burner Cards | Unlimited (Instant Auto-Purge) | Not Offered (Max 1-2 per account) | Capped (3-5 cards max per month) |
| verified_user 3D Secure In-Telegram Approval | check_circle Direct In-Chat 1-Tap Buttons | SMS Only (Delays / Carrier SIM Swaps) | Push Notifications (often buggy) |
| Freeze card & show details | Virtual card in mini-app | Yes (Standard) | Limited (Card BIN regional locks) |
| International online merchants | Visa & Mastercard checkout | High (Triggers fraud freezes on scale) | Low (Offshore prepaid BIN blacklisted) |
| Telebirr / CBE / M-Pesa funding | 0% Fee Instant Settlement | Strictly Prohibited | 1.5% - 3.5% Hidden Conversion Surcharge |
Built for Media Buying Teams & Agencies
Issue dozens of unique cards per campaign team via Telegram Webhook commands or our REST API. Route transaction alerts into shared Telegram channels with team spend caps and auto-recharge rules.
// Issue a card directly into team Telegram group #media-ops-1
curl -X POST https://api.21cards.us/v1/cards/issue \
-H "Authorization: Bearer 21c_live_90f23bca88..." \
-H "Content-Type: application/json" \
-d '{
"cardholder_alias": "Online shopping - 04",
"card_type": "disposable_burner",
"currency": "USD",
"spending_limit_cents": 500000,
"assigned_avs_zip": "10005",
"telegram_channel_id": "-1001928471203",
"auto_approve_rules": {
"merchant_whitelist": ["FACEBK *ADS", "GOOGLE *ADS"]
}
}'The 10 and The Ace Dual Ecosystem
Choose between agile virtual-only cards optimized for instant digital ad buys, or institutional solid metal cards with physical EMV chips.
Zero setup latency. Generate unlimited cards inside Telegram for programmatic digital marketing, AI micro-subscriptions, and vendor privacy.
- check Instant generation inside <3 seconds
- check Dedicated US AVS ZIP code pairing
- check Auto-destruction burner capability
- check Fund from $20 in ETB mobile money
Heavily weighted 18g obsidian-coated tungsten alloy card with gold-plated contact pads. Built for executive travel, high-limit dining, and global ATM clearance.
- check Online spend & Google Wallet Instant NFC Provision
- check $100,000 Single Transaction Limit
- check Worldwide Priority Lounge Access
- check Dedicated Private Telegram Banker (Concierge)
Experience the fastest card issuance bot on Telegram.
Open @twentyonecardset_bot, fund with Telebirr, CBE Birr, or M-Pesa, and start spending online in USD.