CoinsOnCards

    Issued by METABANK INC (KazeFi), partnering with licensed financial institutions — U.S. registered Money Service Business (MSB) with FinCEN under Company No. 20231581273

    Kazepay CardReview

    Custodial prepaid Visa card for spending USDT/USDC from multiple chains, with no-KYC virtual cards.

    2.5
    Visit issuer
    Cashback
    Up to 0.00%
    Custody
    custodial
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: Stablecoin holders (USDT/USDC) needing global spending and a no-KYC virtual card option.

    Skip if: You need to spend BTC/ETH or want to avoid 1.8-2.2% top-up fees.

    • Spend USDT/USDC on 7+ chains, but pay 1.8-2.2% top-up fees.
    • Get a no-KYC virtual card, but physical cards require full KYC.
    • Offers no cashback rewards, but supports Apple Pay and Google Pay.
    Get the Kazepay Card

    How it works

    • * **Card Tiers**: Offers virtual cards (Silver and Gold tiers) which do not require KYC, and a physical card that requires KYC.
    • * **Global Acceptance**: Accepted in 210+ countries at over 150 million merchants on the Visa network.
    • * **Mobile Wallets**: Compatible with Apple Pay and Google Pay for contactless payments.
    • * **Funding**: Top-up with USDT and USDC from multiple blockchain networks including BSC, Solana, Tron, Base, Arbitrum, Aptos, and Avalanche.
    • * **Instant Conversion**: Crypto is converted to fiat instantly at the point of sale.
    • * **Card Management**: App allows users to freeze/unfreeze cards, view PINs, and set spending limits.
    • * **Multiple Cards**: Users can manage multiple virtual cards under one account for budgeting.

    Funding: Crypto (USDT/USDC from external wallet)

    Custody & risk

    • If the issuer disappears
      If the provider disappears, card balances are inaccessible and cannot be withdrawn on-chain.
    • Counterparty risk
      Custodial model means if provider disappears, card balances are inaccessible and cannot be withdrawn on-chain
    • Counterparty risk
      No deposit insurance equivalent to what traditional banks offer
    • Regulatory risk
      Service terms could change due to evolving crypto regulations

    KazePay is a custodial platform. It holds all user crypto after deposit, and users do not control the private keys. Custody transfers to the provider when stablecoins are loaded onto the card balance.

    Protections

    • Multi-Factor Authentication (MFA)
    • Biometric authentication (fingerprint/Face ID)
    • Real-time transaction notifications
    • Card freeze/unfreeze functionality
    • Know Your Transaction (KYT) monitoring

    Custody partners: SlowMist (wallet address risk assessment), Licensed banking partners for fiat handling

    Limits

    notes
    Virtual cards have lower limits sufficient for everyday purchases. Physical cards have higher limits similar to traditional debit cards.
    atm daily
    Daily limits apply for physical cards (exact figures not published)
    daily spending
    Lower limits for virtual cards; higher limits for physical cards (exact figures not published)

    The good

    • Multiple virtual card tiers (Silver/Gold) per account.
    • Visa-network acceptance in 210+ countries.
    • Supports 7+ chains including Solana, Base, Arbitrum.
    • Virtual cards available with no-KYC.

    The catches

    • Stablecoin-only (USDT/USDC); no BTC or ETH funding.
    • High top-up fees of 1.8-2.2% per deposit.
    • ATM fees are 2% + $1 minimum.

    Limitations

    • majorStablecoin-only funding (USDT/USDC) - no Bitcoin or Ethereum support
    • majorCard balances cannot be withdrawn on-chain or transferred to other users
    • majorVirtual card refunds not guaranteed according to official FAQ
    • moderateNo cashback rewards despite marketing materials suggesting otherwise
    • moderatePhysical cards require KYC verification
    • moderateNo direct fiat on-ramp (must deposit crypto from external source)
    • moderateRecharge fees: 1.8-2.2% (virtual), 2% (physical)
    • moderateATM withdrawal fees: 2% + $1 minimum + operator fees
    • moderateVirtual cards cannot be used at ATMs (online transactions only)
    • moderateiOS app limited to US region (non-US users must use web app)
    • moderateNo deposit insurance equivalent to traditional banks (like FDIC)
    • minorLacks premium perks offered by more established competitors
    • minorPotential shipping delays for physical cards in some regions
    • minorCrypto balances don't earn interest

    What users say

    No public user ratings available yet. User feedback has been generally positive, highlighting easy setup, global acceptance, and transparent fees.

    Rating breakdown

    Net reward
    0.0
    Custody risk
    2.0
    Availability
    4.5
    Features & convenience
    4.0

    See our methodology for how we score each axis.