Neobanks where only the card requires ID
The wallet itself needs no verification, but the card does, because the card is issued by a licensed partner that carries the regulatory obligation. In practice this means you can hold and spend on-chain freely, and verify once if you want a physical card.
All 34 card-only KYC neobanks
| neobank | type | hq | custody | license / structure | reported users |
|---|---|---|---|---|---|
| 1inch Card | web3-native | Dubai, AE | Self-custodial | Self-custodial; card via Baanx/Crypto Life | — |
| Avalanche Card | web3-native | — | Self-custodial | Self-custodial; issuer partners | — |
| Avici | web3-native | — | Self-custodial | Self-custodial software | — |
| Bitget Wallet | web3-native | — | Self-custodial | Self-custodial; cards via DCS (Asia), Immersve (EU/UK/LatAm), Fiat24 (CN virtual) | — |
| Bleap | web3-native | London, UK | MPC self-custodial | MPC self-custody; MC principal member | — |
| Cypher | web3-native | — | Self-custodial | Self-custodial; principal card programs | — |
| Decaf | web3-native | — | Self-custodial | Self-custodial; issuer partners | — |
| Ethena Pay | web3-native | Malta, MT | Self-custodial | Self-custodial wallet; Ethena Pay Ltd (Malta) is a software company, not a bank; secured Visa card issued by Third National (Puerto Rico) under a Rain-managed program | — |
| EtherFi Cash | web3-native | Miami, US | Self-custodial | DeFi protocol + issuer partners | — |
| Exa | web3-native | Buenos Aires, AR | Self-custodial | DeFi protocol (Exactly); card via partners | — |
| Fizen | web3-native | Ho Chi Minh, VN | Self-custodial | Self-custodial software | — |
| Gnosis Pay | web3-native | Zug, CH | Self-custodial | E-money via Monavate (UK/EU); funds in your own Safe | — |
| Holyheld | web3-native | London, UK | Self-custodial | E-money partners (EU); non-custodial top-ups | — |
| Hyperbeat | web3-native | — | Self-custodial | Self-custodial smart accounts (HyperEVM); Paxos Labs stablecoin infra | — |
| Infini | web3-native | — | Self-custodial | Self-custodial software | — |
| Karta | web3-native | Redwood City, US | MPC self-custodial | Self-custodial (MPC via Privy); Visa issued by Rain | — |
| MetaMask | web3-native | Consensys (global) | Self-custodial | Self-custodial software — no banking license needed; card via licensed issuer partners | — |
| Moto | web3-native | New York, US | Self-custodial | Non-custodial; collateral held in Solana smart contracts, DeFi insurance pool instead of FDIC | — |
| Onboard | web3-native | Lagos, NG | Self-custodial | Self-custodial software | — |
| Payy | web3-native | New York, US | Self-custodial | Self-custodial ZK L2; card via issuer partners | — |
| Plasma One | web3-native | — | Self-custodial | Own L1; card via issuer partners | — |
| Ready | web3-native | London, UK | Self-custodial | Self-custodial software; card via Kulipa (non-EEA cut Jun 2026; issuer wound down Jul 2026) | — |
| Rizon | web3-native | — | Self-custodial | Self-custodial software | — |
| SafePal | web3-native | Singapore, SG | Self-custodial | Self-custodial software | — |
| Solayer Emerald | web3-native | — | Self-custodial | Self-custodial; Visa principal program | — |
| Solflare | web3-native | Belgrade, RS | Self-custodial | Self-custodial software; card via Kulipa (issuer wound down Jul 2026; replacement expected Aug 2026) | — |
| Solid | web3-native | Gibraltar, GI | MPC self-custodial | Self-custodial Safe smart-accounts + MPC | — |
| Startale | web3-native | Singapore, SG | Self-custodial | Self-custodial; co-develops Soneium with Sony Block Solutions Labs (Sony Group JV) | — |
| Tangem | web3-native | Zug, CH | Self-custodial | Self-custodial; funds in a user-controlled smart contract (USDC on Polygon); card by Paera LLC, issued by Third National via Rain | — |
| Tria | web3-native | — | Self-custodial | Self-custodial software | — |
| Tuyo | web3-native | — | Self-custodial | Self-custodial software | — |
| Veera | web3-native | Singapore, SG | Self-custodial | Self-custodial; passkey-secured non-exportable keys | — |
| WeFi | web3-native | — | Self-custodial | Self-custodial software | — |
| xPortal | web3-native | Sibiu, RO | Self-custodial | Self-custodial software | — |
Common questions
Neobanks where only the card requires ID: how many are there?
34 of the 382 neobanks tracked here are card-only KYC neobanks. Every entry is verified active and listed on this page with its custody model, license detail and the regions it serves.
Which card-only KYC neobanks are the largest?
Not answerable from public data: only 0 of these 34 disclose a user figure at all. The list below is therefore not a ranking, and anyone presenting one for this category is guessing.
What does this category actually mean?
The wallet itself needs no verification, but the card does, because the card is issued by a licensed partner that carries the regulatory obligation. In practice this means you can hold and spend on-chain freely, and verify once if you want a physical card.
Related
Neobanks that require identity verification (334) · Neobanks that work without identity verification (14)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.