Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$1.00/$100
Take it?CostsAsks forLimitsWhere it worksFlawsHow we checkedAlternatives
Ledger
PAYY Card

PAYY Card

VisaVirtual and plasticSince 2024
Asks for a documentOperational

First non-custodial, privacy-preserving stablecoin Visa card — zero-knowledge proofs on Payy Network blockchain, no fees except 1% FX, cross-chain USDC.

Total, per $100 spent: $1.00per $100 spent

53 of the 174 priced cards cost less. Among the 101 that ask for exactly as much identity, the median is $1.00.

Open payy.networkNot a paid link: we earn nothing either way.

Whether to take PAYY Card

In its favour

  • Privacy-preserving via zero-knowledge proofs on Payy Network
  • Non-custodial — funds in your wallet always
  • 0 monthly, 0 transaction fees, 0 application fees
  • Cross-chain USDC: Arbitrum, Base, Polygon

Against it

  • 1% FX fee on non-USD purchases
  • USDC only — single stablecoin
  • Excludes OFAC-sanctioned regions
  • Fiat on-ramp limited (live in AR, beta in US)

Also true, in its favour

  • Apple Pay & Google Pay supported
  • From Polybase Labs (Protocol Labs team) — $6M seed funding

What PAYY Card costs

ChargeWhat it costs
To get the card
To issue the card$0.00
Monthly$0.00
To put money in
To load0%
To spend it
To spend0%
To spend outside the dollar1%
Total, per $100 spent$1.00

Not published by the issuer: per payment, fixed, at a cash machine.

Read off payy.network on July 21, 2026.

No application fee, no monthly fee, no transaction fee. 1% FX on non-USD purchases (Visa/bank-driven). Available globally except OFAC-sanctioned regions. USDC deposits supported on Arbitrum, Base, Polygon.

KYC: what PAYY Card 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

PAYY Card publishes no spending limits at all.

Where it works

WalletsApple Pay and Google Pay
Accepted whereOnline and in person
Account detailsNone — it is a card, not an account
Coins in1USDC
Chains3Arbitrum, Base, Polygon
TiersVirtual, Physical

Closed to residents of 6 countries, according to the issuer's own terms.

  • Cuba
  • Iran
  • North Korea
  • Syria
  • United States
  • Venezuela

The other flaws

  • Newer service (since 2024)

How we checked this

Thirteen fields are tracked for every service. 10 of them carry a figure we read off payy.network on July 21, 2026.

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

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

Open payy.networkNot a paid link: we earn nothing either way.

Alternatives to PAYY Card

Costs exactly the same.Relopay CardRelopay CardVisaVirtual and plasticAsks for a documentOperational1% when you load. 2 fee fields are not published.AG21 Jul$1.00per $100 spent
Costs exactly the same.Spritz CardSpritz CardVisaVirtual and plasticAsks for a documentOperational1% when you load. 2 fee fields are not published.AG21 Jul$1.00per $100 spent
Costs $1.30 more per $100 — the price of the difference.KOSH CardKOSH CardVisaVirtual and plasticAsks for a documentOperationalFree to load. 2% outside the dollar, plus $0.30 fixed.AG21 Jul$2.30per $100 spent