Karta
25K+ monthly cardholders spending from their own wallet, reconciled on Tempo in under a second.
Telegram-first self-custody card (Rain-issued); settles on Tempo; no US.
- Who holds it
- You do. Funds sit on-chain in a wallet the company cannot freeze (MPC self-custodial).
- 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 Karta’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 · travel & digital nomads |
| HQ | Redwood City, US |
| Founded | 2020 |
| Custody | MPC self-custodial |
| Regulation type | Self-custodial software |
| License detail | Self-custodial (MPC via Privy); Visa issued by Rain |
| Card | Visa · Virtual + physical |
| Stablecoins | Yes |
| KYC | Card only |
| Active regions | North America, Europe, Latin America, Africa, MENA, Asia, Oceania |
| Countries | Global |
| Founders | Nik Zimarkov |
Verified links: official site ↗ · terms ↗ · privacy ↗ · @Karta_Personal ↗
Common questions about Karta
What is Karta?
Karta is a self-custodial, on-chain-first neobank built for travel & digital nomads, headquartered in Redwood City, US and founded in 2020. You hold the keys: Karta never takes custody of your funds. It is software rather than a licensed institution (Self-custodial (MPC via Privy); Visa issued by Rain).
Does Karta 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 all 7 world regions tracked here.
Does Karta require KYC?
Partly. You can use Karta itself without verifying your identity, but ordering its card requires KYC.
Head-to-head
Karta vs Fizen · Karta vs SurfCash
Peers
Phantom · Zengo · MiniPay · Eco (Beam) · Dakota · MetaMask
Karta appears in
Neobanks that never hold your money (53) · Neobanks where only the card requires ID (33) · Neobanks available in North America (126) · Neobanks available in Europe (144) · Neobanks available in Asia (132) · Neobanks available in Oceania (72) · Neobanks available in Latin America (113) · Neobanks available in Africa (92) · Neobanks available in MENA (85) · Neobanks for travel and digital nomads (10) · Neobanks that issue a Visa card (182) · Neobanks in United States (66)
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.