StellarFi
StellarFi · Virtual Visa
StellarFi is a bill-payment credit builder with entry at $4.99/month, reporting to the three credit bureaus and a virtual Visa. Its Trustpilot score is modest (3.7/5) and the service is limited to bill-payment tracking, with no physical card.
Data & conditions
| Network | Virtual Visa |
|---|---|
| Card type | Credit card |
| APR | 0% |
| Issuance fee | Free |
| Annual fee | €60/year |
| ATM withdrawal | not declared |
| FX markup | 0% |
| Cashback | Not disclosed |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 5/10 |
| Supported countries | US · 1+ countries |
| Estimated net annual cost | €0/year |
| Regulator | Not disclosed |
| Segment | B2C |
| MiCA / License status | Not disclosed |
Plans & pricing
Strengths
- Bill payment credit builder; $4,99/month entry; riporta a 3 bureaus; virtual Visa.
- No notable sovereignty advantage documented.
Weaknesses
- Trustpilot 3,7/5; no card physical; only bill tracking.
- Traditional credit card: not self-custody — the account requires full KYC, a credit check, and can be closed or reported to credit bureaus by the issuer.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
It stays at tier C because it is a bill-payment credit builder, with $4.99/month entry and reporting to all three bureaus, but it issues no physical card: the Visa is virtual-only and the service merely tracks payments. The modest 3.7/5 Trustpilot and its narrow utility versus a real card justify only a middling score.
On this lens it is worth almost nothing: a custodial, full-KYC service that, to work, must monitor the user's payments, the opposite of privacy. A virtual Visa, no self-custody and no on-chain element: nothing here rewards the sovereignty view.
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 StellarFi, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
-
Trustpilot ↗
3.7/5
176 reviews
Only 1 review in the last 12 months; most five-star reviews date to 2023-mid 2024 (bill-pay era, many 'invited') and refer to the old product, not the current card.
Weighted average across 1 public review platform (176 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is StellarFi a safe card?
StellarFi is a custodial card on the Virtual Visa network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is custodial.
How much does StellarFi cost?
The fee is €4.59 (mensile). Issuance is free. The FX markup is 0% (no surcharge). See the tier table for full conditions.
Does StellarFi offer cashback?
StellarFi does not offer crypto cashback.
Is StellarFi available in Italy?
No, StellarFi is not currently available in Italy.
Is StellarFi custodial or self-custody?
StellarFi uses a custodial model. Funds are held by the issuer: you do not have direct control of the private keys.
Sources
- Official service page Plans & pricing · Regulatory framework · Variante credit builder.issuer bank · Variante credit builder.collaterale crypto · +5 Data verified on Jul 11, 2026
- finder.com Past incidents · Trustpilot reviews · Annual cost · Variante credit builder.apr pct min · +5 Data verified on Jul 11, 2026
- firstcard.app Piani mensili · Bureau reporting Data verified on Jul 11, 2026
- wallethacks.com Tier.StellarFi.cashback valuta reward · Tier.StellarFi.staking richiesto · Tier.StellarFi.atm limit · Piani mensili · +1 Data verified on Jul 11, 2026
Show 6 more sources
- businesswire.com Company type Data verified on Jun 14, 2026
- crunchbase.com Stock ticker · Stock listing · IPO date Data verified on Jun 14, 2026
- finsmes.com Investors Data verified on Jun 14, 2026
- system.privco.com Legal name Data verified on Jun 14, 2026
- techcrunch.com Latest funding round Data verified on Jun 14, 2026
- builtinaustin.com Founders Data verified on Jun 13, 2026