Ledger
Agora Cards
Agora CardsAgora Cards
VisaVirtual and plasticSince 2026Asks for a light checkOperational
Institutional-scale spending limits — $240,000 a day and $900,000 a month — on a card that never asks for a government ID, backed by a fee table and a full blocked-country list published openly on the homepage.
Total, per $100 spent: $5.35per $100 spent
155 of the 174 priced cards cost less. Among the 8 that ask for exactly as much identity, the median is $3.50.
Open agora.cardsNot a paid link: we earn nothing either way.
Whether to take Agora Cards
In its favour
- No government ID, selfie or proof of address — an independent hands-on audit walked the whole card-issue flow and was asked only for email, phone and payment
- Institutional-scale limits: $240,000 daily, $900,000 monthly and $20,000 per transaction, identical on both cards
- Both a virtual and a physical card, with the physical one adding real ATM access
- Apple Pay and Google Pay on the virtual card, Google Pay on the physical
Against it
- No Terms of Service, Privacy Policy, FAQ, About or Contact page exists anywhere on the site — /terms, /faq, /fees and /pricing all return 404
- No legal entity is named and the jurisdiction is given only as 'Offshore' on the operator's own X bio
- The card network is never named on Agora's own site — only 'major card networks'; a third-party audit identifies it as Visa
- Expensive to start: $90 one-time for the virtual card and $500 one-time for the physical
Also true, in its favour
- Flat 2% top-up on both cards and a published all-in figure of 5.0%
- The full fee table is on the public homepage with no fee-schedule PDF to hunt down
- The blocked-country list is published in full before you sign up — an honesty signal most no-KYC operators skip
- Physical cards ship in 48–72h from EU and US warehouses and can carry your own design
- Long card life: 3 years on the virtual card, 4 years on the physical
- 24/7 human support, reachable over Signal, SimpleX and Telegram
What Agora Cards costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $90.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 2% |
| To spend it | |
| To spend | 1.5% |
| Per payment, fixed | $0.35 |
| To spend outside the dollar | 1.5% |
| At a cash machine | 2% |
| Total, per $100 spent | $5.35 |
Read off agora.cards on July 31, 2026.
Issuance is one-time and steep: $90 for the virtual card, of which $10 arrives as spendable credit, and $500 for the physical. There is no monthly fee. Top-up is 2% on both cards. Transactions cost $0.35 + 1.5% on the virtual card and $0.10 + 1.5% on the physical. FX is 1.5%. ATM withdrawals are 2% and only exist on the physical card, capped at $1,500 a day and $15,000 a month. Agora publishes the all-in figure itself: 5.0% in percentage fees, or 7.0% once ATM use is included. Spending limits are identical on both cards at $240,000 daily, $900,000 monthly and $20,000 per transaction. The deposit networks are not listed on the site.
KYC: what Agora Cards asks for
A name and a phone number, neither of them verified. No document is uploaded and no selfie is taken, but you are no longer anonymous to the issuer.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
Monthly spend$900,000
Daily spend$240,000
Per payment$20,000
Cash, per day$1,500
Not published by the issuer: maximum balance.
Confirmed on agora.cards on July 31, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in2USDT, USDC
TiersVirtual, Physical
Closed to residents of 24 countries, according to the issuer's own terms.
- Afghanistan
- Belarus
- Central African Republic
- Congo (DRC)
- Cuba
- Guinea-Bissau
- Haiti
- Iran
- Iraq
- Lebanon
- Libya
- Mali
- Myanmar
- Nicaragua
- North Korea
- Russia
- Somalia
- South Sudan
- Sudan
- Syria
- Ukraine
- Venezuela
- Yemen
- Zimbabwe
The other flaws
- Invite-only — registration requires a referral code, so you cannot verify anything yourself first
- Card balances are custodial, held by unnamed 'licensed and regulated custodian partners'
- The 5.0% all-in cost is high-side; competitive cards run 2–3%
- Buying cryptocurrency with the card is a prohibited category, alongside gambling, betting, petrol and gaming credits
- Only USDT and USDC — no BTC, no Monero, despite the privacy positioning
- The deposit networks are not published on the site
- 24 countries are cut off entirely, including Russia, Belarus and Ukraine
- The operator surfaced in April 2026, so there is barely any track record
- No email address is published anywhere on the operator's surfaces
How we checked this
Thirteen fields are tracked for every service. 12 of them carry a figure we read off agora.cards on July 31, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Cash machine charge · Spending limits · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- Terms
- Countries closed
- The issuer does not publish
- Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open agora.cardsNot a paid link: we earn nothing either way.
Alternatives to Agora Cards
Its issuer publishes nothing to compare on price.
Digitap CardDigitap CardVisaVirtual and plasticAsks for a light checkOperationalPublishes 1 of five fee fields — not enough to price.AG8 Augnot published
Digitap CardDigitap CardVisaVirtual and plasticAsks for a light checkOperationalPublishes 1 of five fee fields — not enough to price.AG8 Augnot published
