Payy Card
Payy · Visa
A prepaid Visa stablecoin card (USDC) built on zero-knowledge proofs, focused on maximum privacy: it hides amounts and on-chain traceability. Launched on 6 August 2025 by Polybase Labs ($6M seed), it is non-custodial — keys stay on the user's device — with 100,000+ users across ~120 countries. No cashback by design; ~1% FX (Visa pass-through). EU/Italy coverage is still expanding (SEPA deposits planned).
Data & conditions
| Network | Visa |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | Not disclosed |
| ATM withdrawal | Free |
| FX markup | 1% |
| Cashback | Not disclosed |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 9/10 |
| Supported countries | US, EEA, APAC, LATAM · 100+ countries |
| Estimated net annual cost | €0/year |
| Regulator | Not disclosed |
| Segment | B2C |
| MiCA / License status | MSB (presumed) |
Plans & pricing
Strengths
- Non-custodial stablecoin Visa card with zero-knowledge privacy: no on-chain data exposed; live since 2025; privacy 9/10.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- No cashback (by design); EU/Italy availability not yet officially confirmed (SEPA support planned); physical card often sold out.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
The top-tier rating reflects a product that is now live (launched 6 August 2025) and genuinely non-custodial: keys stay with the user and zero-knowledge proofs protect amounts and on-chain traceability. The protection-side limits are the absence of cashback (by design), EU/Italy coverage that is still expanding (SEPA deposits planned), and the fact that, being self-custody, key-management responsibility falls on the user without a bank's safety net.
For the crypto-native profile Payy is among the best: a non-custodial Visa stablecoin card with zero-knowledge privacy that aims for zero personal data and hides amounts and on-chain traces. It is now live, no longer just a promise: a first-rate sovereignty tool, with full KYC at onboarding as the only real constraint.
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 Payy Card, 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
-
Google Play ↗
4.1/5
362 reviews
Values from the Play page structured data (ratingValue 4.11; ratingCount 362) for the "Payy" app, same package as the iOS version (com.polybaselabs.wallet), developer Polybase Labs. US storefront. Here too the score covers the wallet app, not the card alone.
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App Store ↗
4.2/5
34 reviews
Exact figure from the iTunes Lookup API (app "Payy", id 6474760518, bundle com.polybaselabs.wallet, registered seller Zeplo, Inc., declared site payy.link), US store. Small base: 34 ratings, against the 100,000+ users claimed by the company. The score covers the wallet app as a whole, not the Visa card alone.
Weighted average across 2 public review platforms (396 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Payy Card a safe card?
Payy Card is a non-custodial Visa card: your stablecoin funds stay in your wallet, with keys on your device, and zero-knowledge proofs hide amounts and on-chain traceability. It is not a guaranteed bank-deposit scheme: security depends on how you manage your keys.
How much does Payy Card cost?
There is no annual or issuance fee. FX carries an ~1% markup (Visa/bank pass-through). No conversion or top-up fee.
Does Payy Card offer cashback?
Payy Card does not offer crypto cashback.
Is Payy Card available in Italy?
Payy is available globally across ~120 countries; for the EU some services (SEPA deposits) are coming. Check eligibility during sign-up.
Is Payy Card custodial or self-custody?
Payy Card uses a self-custody (non-custodial) model: funds stay in your wallet and you keep control of the private keys.
Sources
- Official service page Plans & pricing · Regulatory framework · Corporate site Data verified on Jun 14, 2026
- coindesk.com Founders Data verified on Jul 10, 2026
- spendnode.io Cashback.staking richiesto · Cashback.cap eur · On-chain settlement · Annual cost Data verified on Jul 10, 2026
- cardpilled.com ATM fees · Cashback · Staking richiesto Data verified on Jun 14, 2026
Show 4 more sources
- crypto.news Latest funding round · Investors Data verified on Jun 14, 2026
- linkedin.com Legal name Data verified on Jun 14, 2026
- theblock.co OAM Italy registry · Company type · Stock ticker · Stock listing · +1 Data verified on Jun 14, 2026
- opencryptocards.com Blockchain Data verified on Jun 13, 2026