Deserve
Deserve
Data verified on unchanged since the sources
Worth it if you're launching a US credit card for people without an SSN, international students included: credit-card-as-a-service on a monthly SaaS subscription.
Avoid it if you operate outside the US or weigh partner-bank risk: it's US-only B2B and Evolve Bank is under regulatory scrutiny.
Deserve offers credit-card-as-a-service with no-SSN onboarding aimed also at international students, backed by a Series D round and a strong privacy profile. It is strictly B2B and US-only, with banking partner Evolve Bank currently under regulatory scrutiny.
Data & conditions
| Service type | Card issuing / BaaS |
|---|---|
| Pricing model | Monthly SaaS |
| Card networks | Mastercard |
| Card types | credit, virtual |
| Fund custody | Self-custody (funds in your control) |
| KYC | Full |
| Supported countries | US · 1+ countries |
| Regulator | OCC (via partner banks) |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | Sponsor bank (Celtic Bank / Evolve Bank) OCC (US via Celtic/Evolve) |
Strengths
- Credit card as a service; no SSN (international students); Series D; privacy 8/10.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- B2B; US-only; Evolve Bank partner under scrutiny.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (OCC (US via Celtic/Evolve)): reporting to authorities and freezes on order.
Verdict
Tier A reflects a well-funded credit-card-as-a-service offering (Series D) with a strong privacy profile (8/10), but the rating does not climb because partner bank Evolve is currently under regulatory scrutiny: the risk flows downstream to the end user. It remains a US-only B2B product, hence not directly usable in Italy.
No-SSN onboarding and the 8/10 privacy score earn it a little through this lens versus peers, because they cut identity friction. Yet custody stays intermediated with full KYC via a regulated bank: no self-custody or on-chain logic, so the crypto-native judgment stays modest.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Deserve, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
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Trustpilot ↗
1.7/5
282 reviews
TrustScore 1.7/5 across 282 reviews for the deserve.com domain: reviewers are holders of Deserve-issued cards, not customers of the B2B service as such. Many recent reviews concern account access and payments after the platform migration that followed Intuit's asset acquisition.
Weighted average across 1 public review platform (282 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
What service does Deserve offer?
Deserve is a Card Issuing & BaaS service with a monthly SaaS subscription pricing.
What compliance does Deserve hold?
Compliance certifications are not publicly documented.
How much does it cost to integrate Deserve?
Pricing model: a monthly SaaS subscription. Per-unit fees are not published: they depend on volume and contract.
Does Deserve support stablecoins?
Supported stablecoins are not documented.
Who is Deserve for?
Target: B2B. SDKs and integrations are not publicly documented.
Sources
- Official service page Pricing model · Compliance · Volume · Card types Data verified on Jun 15, 2026
- pymnts.com Data verified on Jul 19, 2026
- bizprofile.net Company type Data verified on Jun 14, 2026
- businessmodelcanvastemplate.com Founders · Legal name · Valuation · Latest funding round Data verified on Jun 14, 2026
Show 3 more sources
- pitchbook.com Investors Data verified on Jun 14, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026
- finovate.com Founders Data verified on Jun 13, 2026