Decaf
Solana-based spending + global payouts.
- Who holds it
- You do. Funds sit on-chain in a wallet the company cannot freeze.
- The ledger
- The blockchain — no company keeps the authoritative record.
- If it fails
- Nothing on the company side to fail; but lose your keys and the money is gone for good.
Derived from Decaf’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | web3-native |
| HQ | — |
| Founded | 2022 |
| Custody | Self-custodial |
| Regulation type | Self-custodial software |
| License detail | Self-custodial; issuer partners |
| Card | Visa · Virtual + physical |
| Stablecoins | Yes |
| KYC | Card only |
| Active regions | Latin America |
Verified links: official site ↗
Common questions about Decaf
What is Decaf?
Decaf is a self-custodial, on-chain-first neobank, founded in 2022. You hold the keys: Decaf never takes custody of your funds. It is software rather than a licensed institution (Self-custodial; issuer partners).
Does Decaf have a card, and where can you use it?
It issues a Visa virtual and physical card, and identity checks apply to the card but not to the wallet. It is available in Latin America.
Does Decaf require KYC?
Partly. You can use Decaf itself without verifying your identity, but ordering its card requires KYC.
Peers
Phantom · Zengo · MiniPay · MetaMask · Solflare · Rainbow
Decaf appears in
Neobanks that never hold your money (53) · Neobanks where only the card requires ID (33) · Neobanks available in Latin America (113) · Neobanks that issue a Visa card (182)
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.