Poko App

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Frequently asked questions

How does the Card feature work?

The Card feature allows users to issue a virtual USD Mastercard from their crypto wallet and spend it anywhere. Users can top up their Card with USD stablecoins such as USDC or USDT. They can spend online on the Visa and Mastercard network, as well as offline through payment methods like Alipay, Wechat Pay, Apple Pay, or Google Pay. The funds in the Card are held in 1-6 months US Government Treasuries custodied with BNY Mellon, allowing users to earn up to 4% interest on their balances. The Card setup process takes less than 1 minute, and there is a 0% offramp fee for users who hold a US$500 balance on the Card (a 1% fee applies otherwise).

What are the benefits of using the Onramp Aggregator?

The benefits of using the Onramp Aggregator include:

1. Multiple payment methods: The Onramp Aggregator offers over 100 payment methods, providing users with easy fiat-to-crypto onramping and ensuring backup options are available.

2. Lowest fees: The aggregator routes users to onramp options with localized KYC, highest success rates, and lowest fees, saving users money.

3. Onramp analytics in one place: The Merchant Dashboard gathers insights on user payment methods and onramp performance, allowing for optimal user experience.

4. Low-code integration: Integrating the Onramp Aggregator is quick and easy, requiring only a few lines of code and saving engineering resources.

5. Customizable deployment: The Onramp Aggregator can be deployed in various ways to suit branding needs, with flexible APIs and SDKs provided.

6. Web3 use cases: The Onramp Aggregator supports various web3 use cases, including marketplaces, games, wallets, DeFi, and launchpads, allowing users to buy digital assets and offramp with fiat.

7. Local payments for global businesses: The Onramp Aggregator serves as a local payment partner in leading web3 markets, providing global coverage.

8. Trusted by web3 infrastructure providers and products: The Onramp Aggregator is trusted by web3 infrastructure providers and products, offering an easy onramp solution for millions of monthly active users.

How does Direct Checkout simplify the purchasing process?

Direct Checkout simplifies the purchasing process by allowing users to buy web3 assets, such as NFTs or in-game items, and stake in DeFi using local payment methods without the need to onramp to crypto themselves. It eliminates the need for users to buy crypto or go through complicated processes like swapping, onramping, and buying NFTs or staking. With Direct Checkout, users can make one-step purchases directly from any smart contract, using their preferred local payment methods. This simplifies the onboarding process, eliminates the need for KYC or minimum purchase requirements, and offers a seamless checkout experience, resulting in a higher success rate for transactions.

What are the advantages of using Poko's simple integrations?

The advantages of using Poko's simple integrations include:

1. No KYC and no minimum purchase: Users can buy and stake in web3 with as low as US$0 without having to go through KYC (up to US$2,000).

2. 100+ payment methods: Users can make payments for NFTs, in-game items, and staking directly using any local payment methods they prefer.

3. Payment processing as low as 1%: Poko offers low payment processing fees, making it cost-effective for users.

4. Offramp with 0% fees: Poko Card allows users to group buy with stablecoins on Visa/Mastercard payment rails, offering convenience, privacy, and better prices. Users can enjoy a zero offramp fee when they hold a US$500 balance on the Card.

5. Spend stablecoins online and offline: Users can top up USD in their Poko Card with USDC or USDT and spend online on Visa and Mastercard networks, as well as offline through Alipay, Wechat Pay, Apple Pay, or Google Pay.

6. Quick Card setup: Once a user's crypto wallet is connected to Poko's Card offramp page, they automatically have a virtual USD Mastercard for easy spending.

7. Up to 4% interest on Card balances: Users can earn up to 4% interest on their Card balances, providing an additional benefit.

8. Seamless fiat payments for web3: Poko connects web3 infrastructure providers and dApps to over 100 payment methods, improving the web3 payments experience for users.

9. Simple integrations: Poko's solutions can be implemented with just a few lines of code, making it the fastest way to get started.

10. Web3 use cases: Poko's integrations cater to various web3 use cases, including marketplaces, onramp aggregators, and direct checkout for purchasing NFTs, digital assets, and staking in DeFi.

How many payment methods does Poko support?

Poko supports 100+ payment methods.

What web3 use cases does Poko cater to?

Poko caters to web3 use cases such as seamless checkout for purchasing NFTs and digital assets, staking in DeFi, offramping with 0% fees using stablecoins, and connecting web3 infrastructure providers and dApps to 100+ payment methods for improved user acquisition and conversion.