CARD PROFILE · LIGHT KYC
Kardpay.
$KDY token ecosystem: staking APR, USDC revenue sharing, fee discounts. Bundled eSIM + gift cards. PWA (no app store). DIFC Dubai legal jurisdiction. ROSSCAPITAL US LLC (NY).
Cost / $100
$5.80
Top-up fee
4%
Network
Mastercard
Card type
Virtual
IBAN
No
Monthly limit
—
Status
Issues reported
Pros.
- +9 blockchains including Hyperliquid and Monad
- +Up to 8% cashback on purchases
- +$KDY staking: up to 26% APR + fee discounts
- +Revenue sharing in USDC ('Payday' feature)
- +Gift cards for 1,500+ brands
- +eSIM for 200+ countries
- +Apple Pay & Google Pay
- +2.5% top-up fee with $KDY staking (vs 4% standard)
Cons.
- −4% top-up fee without token staking
- −$0.25 charged even on DECLINED transactions
- −Spending limits not publicly disclosed (tier-based)
- −Only 1 Trustpilot review — insufficient data
- −Play Store: reports of outages and registration failures
- −$30 chargeback fee
- −$28 issuance ($20 with staking)
- −Light KYC required — 'accurate and verifiable' identity
- −Native token dependency for best rates
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
4%
Transaction fee
1.8%
FX fee
—
Issuance
$28
Monthly
Free
Cost / $100
$5.80
4% standard top-up (2.5% with $KDY staking). $0.25/tx including declined. $28 issuance ($20 staked). $0 monthly. $30 chargeback. DIFC Dubai jurisdiction.
COVERAGE
Where it works.
Supported coins
USDTUSDC
Chains
ArbitrumAvalancheBSCBaseEthereumHyperliquidMonadPolygonTron
Use cases
Online only
Blocked countries
BYCUIRKPMMRUSDSOSSSYVE
WALLETS
Apple PayYes
Google PayYes
ATMNo
REPUTATION
Trustpilot
—/5
1 reviews
Monevia score
62/100
Verified 2026-04-30
ALTERNATIVES