Endl Card
Endl (Zayment Finance) · Visa
Endl Card is a Visa card tied to a crypto-friendly multi-currency account, operated under the Endl brand (legal entities Zayment Finance SP. Z.O.O. in Poland, a KRS-registered VASP, and Zayment Finance Ltd. in Canada, a FINTRAC-registered MSB). The product targets global payments and payouts to 200+ countries via local rails, SWIFT and stablecoins (USDT/USDC), with multi-currency IBAN accounts (USD, EUR). The model is custodial: the official disclaimer states digital assets are held in custody by Endl and are not FDIC/CDIC insured. Issuance and annual fees are not published: fee_emissione_eur and fee_annuale_eur are set to 0 because they are undocumented in sources, not because they are confirmed free. The disclosed FX markup is 0% for the US consumer tier and up to 1% for the international consumer tier; it is recorded here as 0 (the most favorable documented case). There is no cashback program (0%).
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Account fee | Free |
|---|---|
| Multi-currency | USD, EUR, USDT, USDC |
| Network | Visa |
| ATM withdrawal | Free |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA, US · 200+ countries |
| Regulator | KNF / KRS (Polonia), FINTRAC (Canada) |
| Segment | B2C |
| Funding / solidity | Endl is a trade name of Zayment Holdings Limited (UAE), Zayment Finance SP. Z.O.O. (Poland, KRS VASP) and Zayment Finance Ltd. (Canada, FINTRAC MSB) |
| MiCA / License status | Polonia: Zayment Finance SP. Z.O.O. — VASP registrato KRS (#RDWW-1633)Canada: Zayment Finance Ltd. — Money Services Business registrato FINTRAC (#C100000969) KRS-registered VASP in Poland (RDWW-1633), under the MiCA transitional period; FINTRAC-registered MSB in Canada |
Strengths
- Very wide payout coverage: 200+ countries via local rails, SWIFT and stablecoins
- Multi-currency IBAN accounts (USD, EUR) and unlimited virtual cards for team spend
- Dual regulatory registration: KRS VASP in Poland and FINTRAC MSB in Canada
- No notable sovereignty advantage documented.
Weaknesses
- Custodial model: assets are held by Endl and are not FDIC/CDIC insured
- No cashback or rewards program (0%)
- Issuance and annual fees not published: limited cost transparency
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (KRS-registered VASP in Poland (RDWW-1633), under the MiCA transitional period; FINTRAC-registered MSB in Canada): reporting to authorities and freezes on order.
Verdict
Custodial model with full KYC and dual registration (KRS VASP in Poland, FINTRAC MSB in Canada): assets are held by Endl and are not FDIC/CDIC insured, so customer protection depends on the custodian and partner banks.
Low sovereignty: custodial product with full KYC; no direct key control, funds and access entirely in the provider's hands.
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
Is the Endl card custodial or self-custody?
According to the official disclaimer, digital assets are held in custody by Endl and are not FDIC/CDIC insured, so the product is classified as custodial.
How much does the Endl card cost and is there cashback?
Issuance and annual fees are not published by official sources. The disclosed FX markup ranges from 0% (US consumer) up to 1% (international consumer). There is no cashback program.
Sources
- Official service page Payment network · Custodial · Blockchain · Kyc · +10 Data verified on Jun 23, 2026
- todey.xyz FX markup · Cashback · Virtual card · Blockchain · +2 Data verified on Jun 22, 2026