Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$2.50/$100
Take it?CostsAsks forLimitsWhere it worksFlawsHow we checkedAlternatives
Ledger
Karta

Karta

VisaVirtual and plasticSince 2024
Asks for a documentOperational

Visa Signature® crypto card with AI assistant, P2P transfers, and referral program ($5 + 25% cashback). KYC via Telegram bot in ~5 min. 8 blockchain networks.

Total, per $100 spent: $2.50per $100 spent

118 of the 174 priced cards cost less. Among the 101 that ask for exactly as much identity, the median is $1.00. This one takes 3 times that for the same loss of privacy.

Open karta.ioNot a paid link: we earn nothing either way.

Whether to take Karta

In its favour

  • 0% top-up fee
  • Visa Signature® card with perks (lounge access, insurance, concierge)
  • Apple Pay & Google Pay
  • 8 blockchain networks supported

Against it

  • New service (2024-2025) — limited track record
  • KYC rejections without explanation reported
  • Not a bank — no FDIC/deposit insurance
  • Limited transparency on transaction fees

Also true, in its favour

  • Fast onboarding via Telegram (~5 min)
  • Physical metal card available
  • 150+ countries
  • 1% cashback (Pro tier)

What Karta costs

ChargeWhat it costs
To get the card
To issue the card$5.00
Monthly$0.00
To put money in
To load0%
To spend it
To spend1.5%
To spend outside the dollar1%
At a cash machine$1 + 2.5%
Total, per $100 spent$2.50

Not published by the issuer: per payment, fixed.

Read off karta.io on September 7, 2026.

0% top-up. ~0.5% conversion fee. 5 USDT issuance (discounted from 30 USDT). Visa network FX rates. Business: 0.5% top-up.

KYC: what Karta asks for

A government document. Passport or ID goes to the issuer and to whoever processes verification for it, before the card is handed over.

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

Karta publishes no spending limits at all.

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
Chains8Arbitrum, BSC, Base, Ethereum, Optimism, Polygon, Solana, Tron

Closed to residents of 1 countries, according to the issuer's own terms.

  • United States

The other flaws

  • US citizens excluded
  • Trustpilot 3.9/5 (only 25 reviews)

How we checked this

Thirteen fields are tracked for every service. 11 of them carry a figure we read off karta.io on September 7, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Cash machine charge · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Spending limits · Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open karta.ioNot a paid link: we earn nothing either way.

Alternatives to Karta

Costs $0.40 more per $100 — the price of the difference.Tevau CardTevau CardVisaVirtual and plasticAsks for a documentOperational1% when you load, 1.2% outside the dollar and $0.70 fixed.AG21 Jul$2.90per $100 spent
Costs $0.50 more per $100 — the price of the difference.XPlace CardXPlace CardVisaVirtual and plasticAsks for a documentOperational2% when you load, plus 1% outside the dollar. 2 fee fields are not published.AG21 Jul$3.00per $100 spent
Takes $0.10 less on every $100 spent.Solayer PaySolayer PayVisaVirtual and plasticAsks for a documentOperational0.5% when you load, 1.75% outside the dollar and $0.15 fixed. 2 fee fields are not published.AG21 Jul$2.40per $100 spent