Agora Cards.
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.
Pros.
- +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
- +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
Cons.
- −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
- −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
Detailed fee breakdown.
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.