GMT Pay Explained: How to Spend Your StepN & FSL Earnings in the Real World
What if spending your StepN rewards was as easy as buying a coffee?
Welcome to GMT Pay, the virtual prepaid Mastercard from Find Satoshi Lab (FSL) that lets you convert your Web3 earnings into real-world spending power. Whether you’re earning GMT and GGT in StepN, StepN GO, or other FSL ecosystem platforms like Gas Hero, MOOAR, or Morchi, GMT Pay is designed to make spending your tokens effortless.
🔹 What Is GMT Pay?
GMT Pay is a virtual prepaid Mastercard that works just like a regular payment card. Once you log in with your FSL ID, you can use your GMT or GGT tokens to purchase prepaid digital cards and spend them at millions of merchants worldwide.
- Works both online and offline
- Accepted globally at Mastercard-supported stores and platforms
- Instant activation and compatibility with Apple Pay and Google Pay
- Designed for Web3 users who want a smoother off-ramp
🔋 Key Features
GMT Pay is designed to make Web3 spending accessible, secure, and user-friendly. As a digital-first solution, it simplifies the way you use your crypto earnings in the real world.
- 💼 Prepaid Mastercard (virtual only): Because it’s entirely digital, the GMT Pay card offers instant delivery, secure access, and seamless integration with your mobile wallet. No need to wait for physical delivery or worry about losing a card — everything is stored securely in your device, ready to use anywhere Mastercard is accepted.
- 📆 Denominations: $50, $100, $200, $300
- 🌐 Global usage (excluding prohibited countries)
- 📱 Add to Apple Pay / Google Pay for fast, contactless payments
- ❌ No ATM withdrawals — cards are for purchases only
- 🔐 Linked to your FSL ID for secure authentication
- 🤝 Seamless with FSL platforms like StepN GO and MOOAR, letting you spend directly from your ecosystem earnings
💸 Fees & Validity
GMT Pay is designed to be simple and transparent, especially when compared to traditional prepaid or crypto card services. The fees are minimal and clearly outlined up front, avoiding the hidden charges that many other platforms apply. With no surprise deductions or confusing rate conversions, users can feel confident about what they’re paying and why.
- ● 3% fee on card value
- ● $1 one-time card fee (currently waived during waitlist phase)
- ● $1/month service fee starting after first transaction (first month is free)
- ● Valid for 3 years from date of purchase
For full details, read the Terms & Conditions and Privacy Policy.
🔧 How to Get Started
Getting started with GMT Pay is fast and beginner-friendly. Here’s a simple walkthrough of what to expect during setup:
- Download the GMT Pay app from the App Store or Google Play. It’s available for both iOS and Android devices.
- Log in using your FSL ID. This connects your card activity to your StepN or FSL ecosystem account and ensures security.
- Choose your card denomination ($50, $100, $200, or $300). Select the amount that fits your spending needs. You can always buy another card later.
- Pay with your GMT or GGT tokens directly inside the app. It’s a fast and gas-free experience, as everything happens within the FSL environment.
- Add your card to Apple Pay or Google Pay. Once purchased, your card becomes instantly available for mobile payments, both online and in-store.
- Start spending! Use your card at any merchant that accepts Mastercard. Whether you’re shopping online, subscribing to services, or buying coffee, you’re ready to go.
🧹 Managing Cards & Useful Tips
Managing your GMT Pay cards is simple, but a few small details can help you avoid frustration and maximize convenience.
- You can have up to 2 active cards at the same time. This gives you flexibility to split your spending if needed.
- To activate a third card, your first card must be under $5 balance. This is a compliance measure, but also ensures unused funds don’t linger across multiple cards.
- Manually deactivating a card will forfeit any remaining balance, so it’s best to spend your card down to zero whenever possible.
- You can set a 4-digit PIN from within the app. This adds an extra layer of protection, especially for users who frequently make offline or in-store purchases.
- A one-time KYC (Know Your Customer) verification is required to activate your first card. It’s quick and helps keep the platform secure for all users.
Join the FSL Discord to chat with the community and get support.
👥 Use Cases: Where You Can Spend GMT Pay
With GMT Pay, your digital earnings become instantly usable for everyday purchases. Here are a few examples of how you might put your card to work:
- 🌐 Online payments: Buy electronics on Amazon, book a hotel through Booking.com, or order delivery from your favorite online platforms.
- 🎧 Subscriptions: Pay for services like Spotify, Netflix, or even ChatGPT with a few taps from your phone.
- ☕ Local merchants: Grab a morning latte at your neighborhood café, pay for a haircut, or shop at a local boutique using your mobile wallet.
- 🏦 POS systems: Use GMT Pay at any point-of-sale terminal that accepts Mastercard around the world, whether you’re at a supermarket or a convenience store.
Wherever Mastercard is accepted, GMT Pay fits right in — turning your Web3 earnings into daily value with no extra steps.
❌ Limitations & Legal Notes
- No cash withdrawals / ATM usage
- Non-reloadable (you must purchase a new card when balance is low)
- Supported in most countries, with a list of exclusions
- All cards expire after 3 years from issuance
❓ Common Questions (Quick FAQ)
Can I have more than one card? Yes, up to two active cards. You’ll need to bring one below $5 to activate a third.
Does it support my country? Most likely! But check the prohibited list.
Is KYC required? Yes, for security and compliance. It’s a one-time verification during setup.
Can I use it offline? Yes! Use it at physical merchants via Apple or Google Pay.
How do I get support? Email gmtpay@fsl.com or contact support in the app.
🔍 Final Thoughts
GMT Pay is the kind of tool many Web3 users have been waiting for. It eliminates the friction of converting earnings into usable money. It works seamlessly with the broader FSL ecosystem, and it’s available today for most users around the world.
Whether you’re running in StepN, minting on MOOAR, or exploring new adventures in Gas Hero, GMT Pay turns your crypto time into real-world value.
⭐ Get Started Today
📍 Learn more and download the app: https://fsl.com/gmtpay
📢 Follow FSL on Twitter and LinkedIn for updates.
💬 Have questions? Visit the app or reach out to gmtpay@fsl.com
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