How to get your Sovrae card

Open your browser (Chrome, Safari…) and go to https://app.sovrae.io

1. Click the Sign Up tab (the one on the right, highlighted in yellow).
2. Referral code: if someone gave you an invite code, enter it here (optional).
3. Name: you can enter any name you like, for example John Doe.
4. Email: enter your real email address. You'll receive a code there, and you'll need it to log in every time.
5. Password: choose a real password and write it down somewhere. Without it you won't be able to log back in.
6. Click the Create Account button.

1. Open your inbox. Look for a message from Sovrae (info@sovrae.io) with the verification code.
2. Inside there's a 6-digit code.
3. Go back to the website, type the 6 digits into the boxes, then click Verify & continue.

Once confirmed, you're taken into the platform. You'll see the Home page with a Total Balance of $0.00: that's normal, you don't have any cards yet.

1. In the menu on the left, click Wallet.
2. At the top, click the Deposit tab.

You can use USDT or USDC on BNB Chain and Ethereum, or USDT only on TRON:

1. Under NETWORK, choose the network (e.g. BNB Chain).
2. Under TOKEN, choose USDT or USDC.
3. YOUR DEPOSIT ADDRESS appears below: click the copy icon ⧉ on the right to copy it (or scan the QR code with your phone).
4. Send your funds to this address, choosing the same coin and the same network.

After a few minutes, on the same page, you'll see your updated balance under Your balance. You can also check in the Activity tab.

Once your balance has arrived, click Home in the menu on the left and then the New Card box.

Click the dot next to Virtual Card (digital only, activates straight away) or Physical Card (physical card: Physical Privacy), then click Continue.

In the menu on the left, click Transactions: here you'll find a summary of all your spending and activity.

• Total Activity: how many transactions you've made in total.
• Spent This Month: how much you've spent this month.
• The list shows every payment with the shop, date and amount (in the currency you paid in and in dollars), plus deposits and top-ups.
• Use the search bar to find a shop, the filters (Deposits, Top-ups, Spend, Refunds…) to see only one type of transaction, and All time / 30 days / 7 days to choose the period.
• With Export CSV you can download the list of transactions and open it in Excel.

What each filter shows

Use the filters at the top to see one type of activity at a time:

• Deposits: the crypto you've sent to your wallet. Each line says Deposit to Dynamic wallet, with the network, the date and a link (the coloured code) to the transaction on the blockchain.
• Top-ups: the money you've moved from your wallet to a card. Each line shows how much reached the card and the top-up fee, which also appears as a separate line called Deposit Fee.
• Purchases: the cards you've bought, with their price.
• Spend: your payments with the cards.
• Refunds: money given back to your cards (see Refunds and reversals below).
• Swaps: the conversions you've made with Swap.
• Commission Earned / Commission Payout: what you've earned with the Referral Program and the payouts you've received.

Transactions for a single card

In Cards, under each card, you'll also find a more detailed list with the individual transactions for that card. Next to each transaction there's a label:

• Authorization: the payment has been authorised (the amount is held on your balance).
• Settlement: the payment has been completed by the shop.

Refunds and reversals: when does the money come back?

The card accepts refunds. When you pay, the amount is first held on your card (Authorization) and then completed by the shop (Settlement). If you want your money back, or a payment failed but the money was taken, there are 3 possible situations. What makes the difference is whether the payment was settled or not.

1. Refund — the payment was settled
The shop has completed the payment. To get your money back, the shop has to issue the refund. Once the shop has issued it, contact us at info@sovrae.io or on Telegram (@sovrae_io) with your account email, a screenshot of the transaction and the shop's refund confirmation: we then submit it to our card provider, which checks and processes it. It can be quick if the shop handles it straight away, but in some cases it takes up to 30 days. You'll see it in green with the label Refund.

2. Reversal — the payment failed or was cancelled
The payment was authorised but never completed. If the shop marks it as failed or cancelled, the payment is reversed and the held money goes back to your card, usually very quickly, sometimes straight away. You'll see it in green with the label Reversal.

3. Not settled — the shop does nothing
The payment was authorised, but the shop neither completes it nor cancels it. The money stays on hold until the authorisation expires, then it goes back to your card automatically. This can take up to 30 days. This also shows up as a Reversal.

ATM withdrawal fee (Management Fee)

When you withdraw cash at an ATM with your physical card, the extra 2% fee isn't added to the withdrawal: it appears as a separate transaction, usually right after the withdrawal, labelled Management Fee (or Card Fee) with the text "atm withdrawal, fee".

Example: you withdraw $200 → you'll see the $200 withdrawal and, separately, a Management Fee of $4.

With Auto Top‑Up you no longer need to click "Top Up" every time: you choose a card and, every time you deposit USDT or USDC into your Sovrae wallet (as in steps 5‑7), the money is automatically loaded onto that card.

1. In the menu on the left, click Settings and scroll down to the Auto Top‑Up box.
2. Under Select a card, choose the card to top up automatically (your default card).
3. Click Enable auto top-up and approve just once when asked.
4. From then on, every deposit into your wallet goes straight onto the card you chose.

In the menu on the left, click Settings. In the Profile box you'll find two options we recommend turning on:

1. Security → turn on Two-Factor Auth (two-step verification): as well as your password, you'll need a code to log in, so nobody can access your account even if they find out your password. You can also change your password here.
2. Telegram → link your Telegram account: you'll receive verification codes for logging in, 3DS codes for online payments and alerts about your transactions on Telegram. It's quicker than waiting for an email.

The Sovrae wallet is non-custodial: the keys and the funds are yours. You'll find it under Wallet → Wallet tab.

• At the top you'll see your wallet, the selected network (e.g. BNB Chain) and the Total balance.
• Deposit and Send: to receive and send cryptocurrency.
• My other wallets: your other linked addresses (for example Solana and Bitcoin).

Export your private key

Because the wallet is yours, you can also export the private key and use it in another wallet: in the wallet box, click Settings (bottom right) and then Export Private Key. From there you can also set a wallet password (Set Password).

The Sovrae wallet accepts all cryptocurrencies. However, cards can only be bought and topped up with USDT or USDC on BNB Chain (BEP20), Ethereum (ERC20) or USDT on TRON (TRC20).

If you deposited a different coin (for example BTC, SOL, ETH, BNB…), you can exchange it directly in the wallet:

1. In the menu on the left, click Wallet, then the Swap tab at the top.
2. In the top section, choose the coin you have (under SWAP WITH, or under Others if you can't see it) and enter how much you want to exchange (the MAX button uses your whole balance).
3. Under YOU RECEIVE, choose USDT on BSC (BNB Chain) or USDT on Ethereum.
4. Check the route suggested to you and click Swap.

Invite your friends to Sovrae and earn a bonus in USDT every time someone in your network buys a card. In the left menu click Referral: there you'll find your personal referral code and link, plus your earnings.

How it works

1. Share your code (e.g. SOVRAE-123) or your link with the Share with Friends button.
2. Your friends enter your code in the Referral code field when they sign up (step 2). Even easier: if they open your link, the Referral code field is filled in automatically.
3. Every time someone in your network buys a card, you earn a one-time bonus.

Your network has 3 levels:

• Level 1: the people you invite directly.
• Level 2: the people invited by your Level 1.
• Level 3: the people invited by your Level 2.

The bonus is paid once per card, when the payment is confirmed. Example: 10 friends buy a Virtual and 5 buy a Physical → 10 × $25 + 5 × $50 = $500.

Get paid

Your earnings build up in your Pending balance, at the bottom of the Referral page in the Payouts box. To withdraw them:

1. Enter the Amount (USD) you want to withdraw.
2. Choose the Payout network (e.g. BSC USDT).
3. Click Request payout.

Rewards are paid in USDT, and the payments you've received appear under Received payments.