You cant top up using a bank or cards if you “live” inside Vietnam, only crypto from an exchange or another person.Residency outside US: You need an exchange or another person to send you crypto.Residency inside US: You can top up using your US local bank or cards to use while traveling abroad.

This app is recommended by many, but very few mention the extremely high hidden fees. If LocalPay was transparent, it would be better. They hide the fees in the exchange rate, but have the listed fees as much lower. For example, if I attempt to buy $200 USD, I will only receive $188 in return, despite the fees saying only $4. This is a literal example from today I just experienced. $12 difference that isn’t clearly labeled. But you’d probably choose a different app if you knew how much they were charging you. Additionally, I used their cashapp funding source and the wallet address gave me USDC… except LocalPay only works on USDT. I had to attach it to an external wallet to swap the coins. Luckily, I’m knowledgable in crypto, but for a beginner, I can imagine this would be a disaster. There are other apps that work better with more simplicity and ease. Any app focused primarily on cutesy branding and emojis is committing some form of exploitation. Beware.

The interface looks good. I used it while traveling and it helped me a lot

The app itself is good and works flawlessly. But the exchange rate is ridiculous and it makes no sense to use it on a daily basis. I use it just as a back up, but wouldn’t recommend to anyone as a main way to pay in Vietnam.