NoOnes Card
NoOnes · Visa
The NoOnes Card is a custodial virtual Visa card issued by NoOnes, a P2P fintech super-app based in Dubai (founded 2023, originally led by ex-Paxful CEO Ray Youssef) focused on the Global South: Africa, Southeast Asia and Latin America. The card is USD-denominated and topped up with USDT (Tether) from the NoOnes wallet; activation costs about 1 USD (~€1 here), with no annual fee. There is no cashback. Payments outside the US carry a 3% cross-border fee plus $0.50 per transaction. It is virtual-only (no physical card and no ATM withdrawals) and works online anywhere Visa is accepted. Amounts and rates are USD-native; euro values are indicative. Available in 20+ countries (Nigeria, Ethiopia, Ghana, Egypt, India, Brazil, France and others). NoOnes does not publicly document specific financial licenses (licenze set to empty for undocumented data).
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | €1 |
| Annual fee | Free |
| Free ATM limit | No ATM withdrawals: virtual-only card for online payments |
| ATM withdrawal | Free |
| FX markup | 3% |
| Cashback | — |
| Contactless | No |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 3/10 |
| Supported countries | AFRICA, LATAM, APAC, EEA, UK · 20+ countries |
| Estimated net annual cost | €1/year |
| Regulator | Nessun regolatore documentato pubblicamente |
| Segment | B2C |
Strengths
- Fast onboarding (under 5 minutes) and symbolic activation cost (~1 USD), no annual fee
- Strong emerging-markets coverage: 20+ countries across Africa, Asia and Latin America, USDT top-up
- Global online spending anywhere Visa is accepted, integrated in the NoOnes P2P super-app
- No notable sovereignty advantage documented.
Weaknesses
- Custodial model with no documented financial license; Dubai base with opaque governance and jurisdiction
- Virtual-only: no physical card or ATM withdrawals, and a 3% + $0.50 cross-border fee outside the US
- No cashback and a top-up fee (2 USD minimum or 1.5%)
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Custodial virtual Visa card with no documented financial license and a Dubai base: weak consumer protection. Funds are held by NoOnes in USDT, with no verifiable deposit-guarantee scheme or prudential oversight. Suitable only for small online spending, not as a store of value.
Fully custodial model: NoOnes holds the funds in USDT and controls the card, so the user has no self-custody. Reliance on Tether (a centralized stablecoin) and a centralized platform makes sovereignty effectively nil.
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.
FAQ
How do I top up the NoOnes Card?
You fund it with USDT (Tether) from your NoOnes wallet; the card is USD-denominated. Top-up has a 2 USD minimum or 1.5%.
Is there a physical card or ATM access?
No: the NoOnes Card is virtual-only, made for online payments wherever Visa is accepted, and does not support ATM withdrawals.
Sources
- Official service page Payment network · Virtual card · Kyc · Top-up · +3 Data verified on Jun 23, 2026
- support.noones.com Emissione · Ricarica USDT Data verified on Jun 22, 2026
- todey.xyz Fee emissione · Fx markup · Cashback · Atm · +1 Data verified on Jun 22, 2026