SurfCash
The anti-card thesis: nomads in Vietnam, Thailand and Brazil don't need Visa — they need VietQR, PromptPay and Pix, which cards can't touch. SURF token-governed.
USDC → VietQR/PromptPay/PIX in ~10s; 0.5% fee; the rails cards can't touch.
- 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 SurfCash’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 | — |
| Founded | 2025 |
| Custody | Self-custodial |
| Regulation type | Self-custodial software |
| License detail | Self-custodial (BVI entity); decentralized protocols + licensed local partners; Circle Alliance |
| Card | No card |
| Yield | Up to 15% (Perena) |
| Stablecoins | Yes |
| KYC | No |
| Active regions | Asia |
| Countries | Vietnam, Thailand, Philippines, Brazil |
| Founders | Akshat Sharma, César Suárez |
Verified links: official site ↗ · terms ↗ · privacy ↗ · @SurfCashX ↗
Common questions about SurfCash
What is SurfCash?
SurfCash is a self-custodial, on-chain-first neobank built for travel & digital nomads, founded in 2025. You hold the keys: SurfCash never takes custody of your funds. It is software rather than a licensed institution (Self-custodial (BVI entity); decentralized protocols + licensed local partners; Circle Alliance).
Does SurfCash have a card, and where can you use it?
It issues no card of its own and requires no identity check. It is available in 4 countries, across Asia.
Does SurfCash require KYC?
No. SurfCash works without identity verification, which is possible because it is self-custodial — it never holds your funds.
What does SurfCash cost?
From the verified fields: yield Up to 15% (Perena). Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with SurfCash before relying on them.
Head-to-head
SurfCash vs Karta · SurfCash vs Fizen
Peers
Phantom · Zengo · MiniPay · MetaMask · Solflare · Rainbow
SurfCash appears in
Neobanks that never hold your money (53) · Neobanks that work without identity verification (14) · Neobanks available in Asia (132) · Neobanks for travel and digital nomads (10) · Neobanks with no card of their own (67)
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.