ABOUT US
PASSTO
CREDIT
PASSTO CREDIT LIMITED is a licensed money lender under the Money Lenders Ordinance (Cap. 163) of Hong Kong (License No. 1370/2024). We are a legally incorporated entity committed to secure, compliant, and innovative credit financing. With robust information security protocols and strict KYC/AML standards, we empower individuals, businesses, and high-net-worth clients to unlock flexible capital through asset-backed credit solutions.
Our credit card program allows customers to access up to 90% of their approved credit limit, with repayment options including cash, bank transfer, or collateral recovery. Once assets are pledged, customers can make purchases via the global credit card network, withdraw cash from ATMs, or link their card to Alipay, WeChat Pay, and other payment platforms—enabling seamless asset utilization across more than 200 countries and regions.
To ensure full legal compliance, we have obtained two independent legal opinions:
- K.B. Chau & Co. – Legal Opinion Issued: February 2024
- Robertsons – Legal Opinion Issued: June 2025
These opinions confirm the legality and feasibility of using a wide range of assets—including virtual assets, equities, insurance policies, physical gold, and real estate income streams—as collateral under Hong Kong law. They also affirm:
- The legal viability of virtual asset collateral, despite the absence of statutory definitions
- The potential exemption of credit card-based lending under current legal provisions
- The permissibility of third-party disbursement arrangements, subject to AML/KYC compliance
At PASSTO CREDIT LIMITED, we stand by our core values:
- Flexible collateral options tailored to modern asset portfolios
- Transparent loan terms with clear risk disclosures
- Independent legal oversight and regulatory endorsement
- Streamlined disbursement and customized financing structures
- Advanced encryption technology for secure credit card transactions
We invite you to explore a smarter way to leverage your assets—with confidence, discretion, and peace of mind.
USER GUIDE
How To Mortgaged assets
Login > Mortgaged Assets
Once you have completed the activation process, you will need to mortgaged assets to obtain a credit limit.
- Complete register, KYC and activate your PASSTO account and log in
- Click "Mortgaged Assets" on the page right after login
- Our system will send a message upon successful injection
- The credit limit will be automatically update
How To Lock The Card Instantly
Login > Lock Card
Whether you suspect unauthorized transactions or for any other reason, you can temporarily lock your credit card to safeguard your fund security. And you are able to unlock your credit card anytime.
- Log in to your card account
- Click "Lock Card" on the page right after login
- The card locking will be effective immediately
How To Report The Lost Of Credit Card
Login > Lost Card
In order to safeguard your funds, you should report immediately if your credit card has been lost or stolen.
- Go to the PASSTO website: https://passtocredit.io and Login
- Click the "Lost" button
- Click the "Send Code" button
- Enter the OTP(One Time Password) sent to your mobile and click "Confirm"
After then, we will block your existing credit card. Contact our Customer Service to process further procedure