Each imToken Card comes with a D-Vault account provided by DCS, enabling users to conveniently top up and repay card bills with tokens. Tokens in the account will be automatically debited to pay the outstanding card bill on the statement due date. By ensuring a sufficient balance in the account before the statement due date, users can alleviate any concerns about bill payments.
Additionally, the account is linked to the credit card's spending limit, with the maximum spending limit depending on the credit limit and the balance in the D-Vault account. Users can follow the steps below to increase their spending limit by topping up tokens or fiat currency.
Top-up via imToken
1. Enter the management page of imToken Card
Click the menu icon in the top left corner of the wallet page, select the imToken Card you've linked with DCS, then click “Top Up”.
2. Enter the amount you need to top up, priced in Singapore dollars (SGD), and the page will automatically convert it into the corresponding DUSD (a dollar-pegged stablecoin) top-up amount based on the exchange rate.
Note: The D-Vault account currently only supports DUSD top-ups.
3. DUSD top-up:
If you already have DUSD tokens, follow the steps below:
a. Enter the amount on the top-up page, click “Next”, select “DUSD”, and click “Preview transaction”.
b. Confirm the top-up amount, click “Next” to check the transfer information, and then click “Send” to complete the top-up.
If you don’t have DUSD, you can purchase some using Uniswap, Tokenlon, SushiSwap. Take Tokenlon as an example here:
a. Enter or select the top-up amount on the top-up page, click “Next”', select the payment token such as ETH, USDT, etc., and then click “Preview transaction”.
b. Proceed to Tokenlon, ”review“ the information, and then click 'Confirm' to complete the top-up.
Note: The receiving address on Tokenlon is automatically set to your DCS top-up address by the App. Do not modify this address, or your top-up will not be credited successfully.
Top-up via the DCS App
Top-up with tokens
1. Open the DCS App, select “D Vault account” on the home page, click “Enter” and select “Digital Assets Top-up”.
2. You can choose either “DCS Token Top-Up” or “Other Digital Assets”.
- To top up DUSD tokens, select “DCS Token Top-Up” and top up via PlatON/Polygon/Ethereum network. Copy the receiving address from the “Receive with DUSD” page or scan the QR code to complete the top-up.
- To top up using “Other Digital Assets,” choose the third-party FOMO Pay option, which supports USDT, USDC, ETH, and BTC. Follow the prompts to enter the top-up amount, then select a payment method. Copy the address or scan the QR code to complete the top-up.
Note: Make sure the transfer network and amount match the page prompts. If transferring via an exchange, account for the withdrawal transaction fee to ensure the received amount matches the top-up amount, or the transfer will not be credited successfully.
Top-up with fiat currency
1. Open the DCS App, select “D Vault account” on the home page.
2. Select “Bank Transfer Top-up”.
3. Complete the fiat currency top-up through PAYNOW or bank transfer.
Please take note of the following bill statuses:
1. If the current month's bill exceeds the D-Vault balance, ensure timely top-up before the due date to avoid unnecessary overdue fees.
2. If the current month's bill is lower than the D-Vault balance, the corresponding amount will be automatically deducted on the due date.
3. No payment is required in the absence of any bills.