Buy crypto with card or bank
You don't need a Binance account or a friend with a Phantom wallet to start playing on Spinman. Regulated on-ramps will sell you USDT directly to your wallet using a card, Apple Pay, or bank transfer — usually in under 10 minutes.
The 5-step flow
- Install a wallet first. Phantom or MetaMask. See our wallets guide. You need somewhere for the crypto to land.
- Choose an on-ramp. MoonPay, Mercuryo, Transak, Swapped, and Ramp all sell USDT directly to your wallet address. Compare quotes — fees vary 1–5%.
- Verify ID (most on-ramps). Card-buying USDT in most countries triggers KYC at the on-ramp level — driver license + selfie, ~5 minutes.
- Pay with card / Apple Pay / bank transfer. Card is instant but ~3% fee. SEPA / bank transfer is ~1% but takes hours.
- Receive USDT in your wallet. Crypto lands in your wallet 1–10 minutes after payment clears. Now deposit to Spinman.
On-ramps (card / Apple Pay / SEPA)
| Provider | Coverage | Best for |
|---|---|---|
| MoonPay | Worldwide ex-US restrictions | Card + Apple Pay, USDT/USDC on most chains |
| Mercuryo | EU strong, global | SEPA bank transfer (cheapest), card |
| Transak | ~160 countries | Wide chain support (Solana, Base, Polygon) |
| Swapped | EU + UK | Competitive SEPA pricing |
| Ramp | EU + UK + parts of US | Slick UX, Open Banking + card |
Spinman will integrate these directly inside our wallet page in a future release. For now, open the provider site, paste your wallet address, and choose the same network you'll deposit on (Solana = cheapest, Tron = cheapest for Binance flows).
Exchanges (CEX route)
If you already have an account, exchanges are typically the cheapest path — 0.1% trading fee + a few cents to withdraw.
- Binance: Deposit fiat → buy USDT/USDC → withdraw to your wallet (or directly to Spinman's deposit address).
- Coinbase: Deposit fiat → buy USDT/USDC → withdraw to your wallet (or directly to Spinman's deposit address).
- Kraken: Deposit fiat → buy USDT/USDC → withdraw to your wallet (or directly to Spinman's deposit address).
- Bybit: Deposit fiat → buy USDT/USDC → withdraw to your wallet (or directly to Spinman's deposit address).
How much fee am I really paying?
| Path | Total spread + fee | Speed |
|---|---|---|
| Card on MoonPay / Mercuryo / Transak | ~3–5% | Instant after KYC |
| SEPA bank transfer (EU) | ~0.5–1.5% | 1–24 hours |
| Exchange (deposit fiat → buy → withdraw) | ~0.2–1% | 10 min – few hours |
| P2P (Binance P2P, Bybit P2P) | ~0–1% | 15 min – 1 hour, requires trust |
Which crypto to buy?
For Spinman, just buy USDT or USDC on either Solana or Tron. Both are 1:1 with the US dollar, both deposit instantly with sub-cent fees, and both are accepted by every exchange if you later want to cash out. Don't overthink this.
Bought your USDT? Send it to your Spinman deposit address →