100Pay's PayCard Hits New Milestone: Invest Your Money — and Still Spend It
First rolled out in October 2025, the portfolio-backed credit and debit card is gaining momentum as investors discover they no longer have to choose between holding assets and accessing cash
Today we highlighted continued growth for PayCard, its Visa-powered credit and debit card that gives investors instant access to their portfolio's value without forcing them to sell. Originally launched in October 2025, PayCard has steadily built a user base among Nigerians and global investors who hold wealth in stocks, crypto, ETFs, and currencies — and want to spend it without liquidating their positions.
The core insight behind PayCard is straightforward: millions of Nigerians and global investors are holding significant value in digital and traditional assets, yet remain cash-constrained at critical moments. Selling to access liquidity means losing position, incurring taxes, and potentially missing out on future gains. Since its October 2025 debut, PayCard has been eliminating that trade-off entirely.
Your Portfolio Works While You Spend
With PayCard, users can access an instant credit line backed by their 100Pay portfolio — at a monthly interest rate starting from just 3%. There is no lengthy loan application, no collateral paperwork, and no waiting period. When a purchase is made, PayCard draws against the portfolio's available credit instantly, at the point of sale.
This model represents a meaningful shift in how Nigerians — and investors globally — think about wealth. Owning assets no longer means choosing between growth and liquidity. With PayCard, both are available at the same time.
Built for Every Level of Spending
PayCard is available in multiple tiers to suit a range of lifestyles and spending needs:
Naira Card — A physical debit/credit card for everyday use in Nigeria, starting at ₦25,000 per year. Ideal for users who want the familiarity of a local currency card backed by the power of their portfolio.
Dollar Card — A virtual or physical USD card with a monthly spend limit of up to $1 million, starting at $1,000 per year. Built for high-value transactions, international purchases, travel, and premium subscriptions.
Instant Virtual Card — For users who want to start immediately, an instant virtual card can be obtained directly from the Portfolio by 100Pay app starting from just $1. No annual commitment required. Spend within minutes of setup.
All PayCard tiers support Apple Pay and Google Pay, enabling contactless payments across all platforms — in-store, online, and at ATMs worldwide.
Invest, Hold, and Spend — Without Compromise
The traditional financial system forces a binary choice: hold your assets and forgo liquidity, or sell your investments to access cash. PayCard rewrites that equation. Users can continue to grow their holdings in stocks, crypto, ETFs, and multiple currencies within the 100Pay ecosystem — while simultaneously using PayCard to cover purchases, manage expenses, or handle emergencies.
This means a user holding Bitcoin, a US stock portfolio, or Naira-denominated assets does not need to liquidate any position to pay for a hotel booking, medical bill, or business expense. The portfolio stays intact. The payment goes through. Interest accrues only on what is used, at a rate starting from 3% monthly — transparent, competitive, and accessible.
A Card for the New Nigerian Investor
Nigeria has seen a remarkable rise in retail investment over the past several years, with millions of Nigerians accessing stocks, crypto, stablecoins, and foreign currencies through digital platforms. Yet the tools to spend that wealth have lagged behind. Most investment platforms remain siloed from the real economy — users accumulate value but cannot easily deploy it.
PayCard is 100Pay's answer to that gap. By combining portfolio management with a globally accepted payment card, 100Pay makes it possible for the everyday Nigerian investor to live on their portfolio — not just watch it.
Availability
PayCard is available now. Users can explore card tiers, apply, and get started at paycard.100pay.co. Instant virtual cards are available immediately through the Portfolio by 100Pay app, with physical cards shipped to verified cardholders.
About 100Pay
100Pay is an Africa-built fintech infrastructure company providing payments, portfolio management, lending, and card services for individuals and businesses across Nigeria and beyond. Its ecosystem includes PayCard, pay402 (an AI-native payment protocol), NanoChat, and the Portfolio by 100Pay investment app — all built around the belief that financial tools should be powerful, accessible, and built for the next generation of global users.
Website: https://paycard.100pay.co Contact: [email protected]
PayCard credit products are subject to eligibility and portfolio value requirements. Interest rates and spend limits are subject to change. This release does not constitute financial or investment advice.
