PAYY CARD
CARD FEATURE OVERVIEW.
| 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 | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | DYNAMIC |
No backup enabled = funds lost forever, iCloud/Android backup and recovery phrase ARE available, but optional. Payy cannot recover if you skip both.
- Non-USD purchases: 0% from Payy; only Visa's exchange rate applies. The "set bank fee to 1%" is a calculator tip, not a charge.
- You can fund your Payy Wallet from bank accounts in the U.S. and Argentina (more countries coming soon).
THE REAL STORY ON THIS CARD.
- Zero-knowledge privacy
- Self-custodial
- No login/email/password required
- Global availability (App Store/Play Store countries minus OFAC)
- Zero fees: no application, transaction, top-up, monthly, or ATM fees
- No credit check
- Apple Pay and Google Pay supported
- Virtual and physical card available
- Visa Platinum benefits
- Visa/bank FX fee applies for non-USD purchases
- No cashback or rewards program (Payy Rewards are points)
- USDC only
- Physical card is contactless-only (no chip/swipe) and currently sold out
- 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
