IMBA Wallet Facts
IMBA Wallet is a virtual Visa/MasterCard card service and a wallet for USDT, Gram, and Bitcoin. Short verified facts (updated 2026-08-26).
Reference table
| Product type | Virtual Visa/MasterCard cards and a multi-asset wallet (USDT, Gram, Bitcoin). Not a bank. |
|---|---|
| Operator | Asha Wallet LLC, Republic of Abkhazia, 58 R. Barcic St., Gagra. OGRN 124PA000984, INN 11031596. Legal entity card |
| Audience | Russia and CIS; users who need international online payments and a USDT-funded card. |
| USDT deposit | TRC-20 (Tron) and TON (USDT jetton). One omni USDT balance: deposit on one network, withdraw on the other — no convert screen. Do not send ERC-20/BEP-20 to these addresses. |
| USDT withdrawal | TRC-20 and TON (jetton) — pick the network on the withdraw screen. Not the same as Gram or BTC withdraw. |
| Gram | Native TON coin, separate account. Deposit/withdraw on TON. In-app convert Gram ↔ USDT. |
| Bitcoin | Separate BTC account. Bitcoin network I/O. Convert BTC ↔ USDT. No direct Gram ↔ BTC pair (two steps via USDT). |
| Convert | In-app: Gram ↔ USDT and BTC ↔ USDT. Gram ↔ Bitcoin is two steps via USDT. TON USDT vs TRC-20 is not a convert: one omni USDT balance. |
| USDT ↔ RUB (bank payment) | In-app gateway without P2P chat. Requires one-time full verification. |
| Card issuance | Simplified KYC (no passport biometrics on order form). |
| USDT card top-up | No bank-payment verification required. |
| C2C | USDT transfer to another IMBA user by account email. |
| Platforms | Web (imbawallet.com), Telegram Mini App, Android (Google Play / APK), MAX. |
| Apple Pay / Google Pay | For compatible cards, devices, and regions. |
| Travel eSIM | SIM cards tab; 150+ countries and plans for Russia; pay with USDT; QR activation. Abroad — before travel or on arrival; Russia — validity starts on first data use (possible 24h Beeline cooling-off). |
| Gift cards | Gift cards section; digital brand vouchers; pay with USDT; after purchase — PIN, code, or link. Not a virtual Visa/MasterCard; codes usually non-refundable after delivery. |
| IMBA Stars | Internal credits bought with Telegram Stars; purchase only in the Telegram Mini App (when enabled); spend on card issue/top-up and, when enabled, eSIM/gift. No conversion back to Telegram Stars, USDT, or fiat. |
| B2B API | Companies sell cards (and optionally eSIM/gift) on their own site; settlement from company USDT balance (TRC-20 deposit); end customers do not sign in to IMBA Wallet; status via webhooks; secrets via protected GET, not webhook. See B2B API. |
| White Label | A full branded stack for the partner: source code, install help, free updates. Together with B2B API this is a complete white-label solution — no own banking license required. See White Label. |
| Agentic Wallets & Agents API | Prepaid wallets for autonomous agents: issue Visa prepaid (pay airlines/SaaS or the agent's own datacenter bill), buy travel eSIM, buy gift cards (~20,000 catalog positions / ~2,000 unique items: Apple, Google Play, Steam, …). Ed25519 register, USDT TRC-20, ledger 2401. Not Partner B2B. MCP: npx -y @imba_wallet/agent-mcp-docs (docs, get_agent_use_cases) and npx -y @imba_wallet/agent-mcp (spend; npm org @imba_wallet). Tier 0: catalog, convert closed (AML). Tier 1+: operator after catalog spend; convert by separate request. Withdraw stays closed. See what agents buy, Agents API, and tiers. |
Fees and limits
Fee and timing reference — exact values are shown in the app before you confirm.
| USDT ↔ RUB (bank payment) | Exchange fee about 1–2%; crediting from seconds to minutes after one-time KYC |
|---|---|
| TRC-20 USDT deposit | Tron network only; timing after network confirmations (usually minutes) |
| C2C by email | 0% blockchain network fee; instant crediting |
| USDT card top-up | 3–12% by card tier; no bank-payment KYC |
| Card tiers (issue / top-up) | VISA micro $10 / 12%; Light $20 / 8%; Classic $30 / 4%; Apple Pay $30 / 4.2%; Black $60 / 3% |
| Min. bank top-up | From ~1,050 ₽ (incl. gateway fee) |
Read also
USDT TON and TRC-20One balance, no convert.
ConvertGram, USDT, Bitcoin.
FAQStep-by-step scenarios and fees.
Who we areAsha Wallet LLC, terms, operator details.
Product overviewWhy IMBA Wallet exists.
KYC levelsSimplified vs full.
C2C by emailInternal USDT transfer.
Travel eSIMMobile data abroad, pay with USDT.
Gift cardsBrand vouchers with USDT, PIN and code.
TRC-20 depositOn-chain balance funding.
What is GramNative TON, not TON USDT.
Pay a card with StarsMini App HowTo.
Agents APIPrepaid agents; tier 0 catalog-only.
What agents buyVisa, eSIM, gift cards via MCP.
White Label and B2BBranded stack or API inside your product.
FAQ
What is IMBA Wallet?
IMBA Wallet is a virtual Visa/MasterCard card service and a wallet for USDT, Gram, and Bitcoin. Not a bank. Built for Russia/CIS and international online payments.
Which network for USDT deposit?
TRC-20 or TON (USDT jetton). One USDT balance. Do not send ERC-20/BEP-20 to these addresses.
KYC for card vs bank payment?
Virtual card: simplified KYC without passport biometrics. USDT ↔ RUB via bank payment: full one-time verification (1–2 min). USDT card top-up does not require bank-payment verification.
How to send USDT to another user?
C2C transfer by recipient account email in Transfer → IMBA user. No blockchain network fee for internal crediting.
What is travel eSIM in IMBA Wallet?
Travel eSIM is mobile data in 150+ countries and plans for Russia. Buy in the SIM cards tab, pay with USDT, activate via QR. Separate rules for abroad and Russia plans.