COMPANY detail
PAYY CARD BANK ONCHAIN
CARD FEATURE OVERVIEW.
CARD NAME
PAYY CARD
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
0%
NEED KYC
YES
FX FEE
UP TO 1%
APR / YIELD
NO
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
NO
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
PAYY CARD
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 1% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
Last Updated: May 14, 2026
REGIONAL AVAILABILITY
VIEW GLOBAL NETWORK
Available
Restricted
Not Specified
- No backup, no recovery: Private key stored only on your device; no iCloud/Android backup = funds lost forever. Payy cannot recover.
- Not a bank: Fintech company, not regulated bank. No FDIC insurance, no fractional reserve, no government deposit protection.
- Privacy is not absolute: ZK proofs hide on-chain linkage, but Payy cooperates with law enforcement when compelled by subpoena or court order.
- U.S. issuer limitations: Card issued by U.S.-based bank partner. Non-USD purchases incur 1% FX fee for Visa rates.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- ZERO KNOWLEDGE PRIVACY, TRANSACTIONS HIDDEN FROM PUBLIC
- SELF CUSTODIAL
- NO LOGIN, EMAIL, OR PASSWORD REQUIRED
- GLOBAL AVAILABILITY (EXCLUDING OFAC COUNTRIES)
- ZERO APPLICATION, MONTHLY, TOP UP, AND USD TRANSACTION FEES
- APPLE PAY AND GOOGLE PAY SUPPORTED
- VIRTUAL AND PHYSICAL CARD AVAILABLE
- VISA PLATINUM BENEFITS
CONS
[ LIMITATIONS ]
- VISA/BANK FX FEE APPLIES FOR NON USD PURCHASES
- NO CASHBACK OR REWARDS PROGRAM
- STABLECOINS ONLY
- PHYSICAL CARD IS CONTACTLESS ONLY
- ATM ACCESS STILL IN PRIVATE BETA
- U.S. ISSUED CARD MAY BE REJECTED BY SOME NON U.S. MERCHANTS
GENERAL QUESTIONS.
Payy is building onchain consumer banking.
We’re vertically integrating stablecoins, a privacy-preserving blockchain, global fiat ramps, payment cards and cross-chain DeFi — all accessible through a single interface for businesses and consumers.
Spend stablecoins privately, anywhere Visa is accepted.
Payy Card is a self-custodial Visa card that allows you to spend USDC from your Payy Wallet in stores or online. It combines private onchain settlement with global card acceptance.
Deposit and withdraw multiple currencies and tokens from your Payy wallet
There are two main ways to deposit and withdraw from Payy:
Fiat from your bank
Crypto from other blockchains
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