Karta Card
Karta · Visa
Karta Card is a non-custodial Visa Signature card positioned as a global money app: users load stablecoins (USDT/USDC) and other crypto onto a self-custody wallet whose keys they control, then spend anywhere Visa is accepted, with Apple Pay and Google Pay support. KYC is mandatory (a roughly 5-minute verification). Top-up networks include Ethereum, BNB Smart Chain, Polygon, Arbitrum, Optimism, Base, Solana and Tron (TRC-20); bank funding is also available (ACH/Wire, with SEPA coming soon). The issuance fee is 5 USDT for the virtual card and from 100 USDT for the physical card; the FX markup is 1.5% and ATM withdrawals cost 1.5% + 1 USDT. cashback_pct is set to 0 because Karta does not document a fixed cashback on the cardholder's own spending: there is only a referral program that credits rewards in KARAT tokens (1 KARAT = 0.01 USDT), whose real value is variable. The issuer is Karta Finance Inc., based in Delaware (USA); no explicit public financial license was found, so licenses is left empty.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Account fee | Free |
|---|---|
| Multi-currency | USD, EUR, AED |
| Network | Visa |
| ATM withdrawal | 1.5% |
| Free ATM limit | 250 USD (carta fisica); 0 USD sulla carta virtuale |
| Fund custody | Self-custody (funds in your control) |
| KYC | Full |
| Supported countries | US, EEA, UK, LATAM, APAC, MENA |
| Regulator | FDIC (tramite l'issuer Banco Popular de Puerto Rico) |
| Segment | B2C |
| MiCA / License status | Visa card issued in the US via Banco Popular de Puerto Rico, an FDIC-insured Visa issuer covering bank deposits. Karta does not document its own explicit financial license. |
Strengths
- Non-custodial wallet: only the user controls the keys and funds
- Globally accepted Visa Signature card, with Apple Pay and Google Pay and a virtual card at 5 USDT
- Broad multi-chain top-up support (Ethereum, Base, Solana, Tron, Polygon, Arbitrum, Optimism, BSC)
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- No fixed cashback on the cardholder's own spending: KARAT rewards only come from the referral program
- 1.5% FX markup and ATM withdrawals at 1.5% + 1 USDT, with a low ATM limit (250 USD on the physical card)
- Mandatory KYC and no explicit public financial license documented
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Visa card issued in the US via Banco Popular de Puerto Rico, an FDIC-insured Visa issuer covering bank deposits. Karta does not document its own explicit financial license.): reporting to authorities and freezes on order.
Verdict
Limited protection: the card is issued in the US via Banco Popular de Puerto Rico (an FDIC-insured Visa issuer), but Karta itself does not document its own financial license and the wallet is non-custodial, so the user bears responsibility for the crypto funds.
Good fund sovereignty: the wallet is non-custodial and only the user controls the keys, but mandatory KYC and the Visa/US issuer infrastructure introduce points of centralization.
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 Karta Card custodial or non-custodial?
Karta is non-custodial: according to the official site, only the user controls their wallet and keys. KYC (identity verification) is still mandatory before using the card.
Does Karta Card offer cashback on purchases?
No fixed cashback on the cardholder's own spending is documented, which is why we report it as 0%. There is only a referral program that credits rewards in KARAT tokens (1 KARAT = 0.01 USDT), whose real value is variable.
Sources
- Official service page Network Visa Signature · Fee emissione 5 USDT virtuale / da 100 USDT fisica · FX 1.5% · ATM 1.5% · +11 Data verified on Jun 23, 2026
- todey.xyz Non-custodial · KYC · Regioni USA/UK/EU/LATAM · Visa Signature · +7 Data verified on Jun 22, 2026