Locals vehemently talk about how shady True Money is. I opened it without a VISA because you can add money, but the app appears to forbid you from using it, although it can be used at 7 Eleven, Lotus, etc. It's not clear, though. I had to go into a branch and after going back and forth saying that 7 Eleven doesn't accept it and the teller wanted me to just leave, he told me I can't use the scan prompt. I have to use the pay prompt. It's also not straight or online what the restrictions and accesses are. It can be used to pay Grab and for Bolt, you have to get their free eMastercard.
It's diff for you cuz you have a visa but all the locals warn against True Money.