KARMA Card The future of finance is hybrid
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | 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 | DYNAMIC |
Domestic USD: 0.5% Karma service fee only.
Non-USD: 0.5% service fee + 1% Visa FX + $0.30 flat network fee = effectively 1.5% + $0.30.
No subscriptions, no signup fees, no monthly fees.
$KARMA holders get fee reductions: 50% off card service fee at $2,500+ held; free card fees at $10,000+. Swap fee rebates scale from 10% ($10 held) to 90% ($10,000+).
THE REAL STORY ON THIS CARD.
- Self-custodial wallet
- Real EUR IBAN, USD routing, and GBP accounts
- Mid-market FX on bank transfers (+0.50%)
- Gasless swaps across 4 chains
- $KARMA holder benefits up to 90% swap rebate + free card fees
- No subscriptions, signup, or monthly fees
- Automated daily buybacks (95% of swap fees)
- 0% APR on card purchases
- 1.5% + $0.30 effective fee on non-USD card transactions
- Limited country availability
- No cashback or rewards program
- Dynamic spending limits
- Cross-border fee can increase to 3% with 30 days notice
- Late payment: up to $40 penalty
GENERAL QUESTIONS.
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.
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
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)
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.
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