COMPANY detail
KARMA Card The future of finance is hybrid
Card Feature Overview.
CARD NAME
KARMA CARD
W BONUS
NONE
REGISTER FEE
FREE
CASHBACK
0%
NEED KYC
YES
FX FEE
UP TO 3%
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$0
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
KARMA CARD
| W BONUS | NONE |
|---|---|
| REGISTER FEE | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 3% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $0 |
| DAILY LIMIT | NOT DISCLOSED |
REGIONAL AVAILABILITY
VIEW GLOBAL NETWORK
Available
Restricted
Not Specified
The Real Story on This Card.
PROS
SUPPORT ACROSS MULTIPLE REGIONS
Genuine IBAN account
Swap tokens, Withdraw crypto
Solana-integrated wallet
Multi-currency support
EU finance compliant
SOC2-level infrastructure
Free Registration
CONS
No cashback is offered
FX FEE: UP TO 3%
Requires full KYC
GENERAL Questions.
What is Karma Pay?
Karma is an on‑chain neobank built for the world to use crypto and stablecoins as everyday money. We combine real bank accounts, payment cards, and instant payments with self‑custodial rails, bridging traditional banking and decentralized finance in one wallet.
Our aim is simple: replace fragmented financial tools with a primary banking experience that works across borders and settles instantly, while aligning finance with positive impact.
Our aim is simple: replace fragmented financial tools with a primary banking experience that works across borders and settles instantly, while aligning finance with positive impact.
Creating a Karma account
Email and phone number
Phantom (or another Solana wallet) for self‑custody
Personal details for Bridge KYC (name, address, date of birth)
Identification numbers where required (SSN for US, national ID for non‑US). Proof of address may be requested for certain regions or SEPA access
For detailed requirements and edge cases, see Completing KYC procedure.
Go to app.karmapay.xyz and create an account. Verify your email
Connect Phantom and sign to confirm ownership
Complete Bridge onboarding with your personal information. High‑risk or higher‑volume users may be asked for source of funds and expected usage
Generate a virtual IBAN or US routing/account number
(Optional) Add your personal bank accounts to withdraw USDC to EUR/USD
Phantom (or another Solana wallet) for self‑custody
Personal details for Bridge KYC (name, address, date of birth)
Identification numbers where required (SSN for US, national ID for non‑US). Proof of address may be requested for certain regions or SEPA access
For detailed requirements and edge cases, see Completing KYC procedure.
Go to app.karmapay.xyz and create an account. Verify your email
Connect Phantom and sign to confirm ownership
Complete Bridge onboarding with your personal information. High‑risk or higher‑volume users may be asked for source of funds and expected usage
Generate a virtual IBAN or US routing/account number
(Optional) Add your personal bank accounts to withdraw USDC to EUR/USD
What types of transactions can I receive in my virtual account?
For non‑US residents:
First‑party payments you send from your bank, fintech app, or brokerage account
Third‑party payments from a registered business bank account
Third‑party payment from a family member’s bank account where you share a surname
Third‑party person‑to‑person payment under $4,000
For US residents:
First‑party payments you send from your bank, fintech app, or brokerage account
Payroll payments from businesses
Third‑party payments in most states (with limited exceptions)
First‑party payments you send from your bank, fintech app, or brokerage account
Third‑party payments from a registered business bank account
Third‑party payment from a family member’s bank account where you share a surname
Third‑party person‑to‑person payment under $4,000
For US residents:
First‑party payments you send from your bank, fintech app, or brokerage account
Payroll payments from businesses
Third‑party payments in most states (with limited exceptions)
My funds are missing or have not landed in my account
Contact us at team@karmapay.xyz or Telegram and we will investigate. If you sent funds from your bank, request a Trace ID for an ACH payment or an IMAD for a wire from your bank. Sharing this helps us locate the transaction faster.
