Payy Card PAYY Credit
A plan byPayy Card · Visa
A Visa stablecoin card built on zero-knowledge technology, focused on maximum privacy and backed by a $6M seed round. It is still in development, with no confirmed launch date or defined geographic coverage. Fund custody is reported as service-managed, at odds with its non-custodial positioning.
PAYY Credit
- Price
- Free
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Cashback cap
- Free
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- N/D
- Net annual cost
- Free
What's included
- Visa credit
- Zero-knowledge proof per privacy
- KYC PIENO richiesto (no anonymous)
Data & conditions
| Network | Visa |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | N/D |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | — |
| 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 | N/A |
| Segment | B2C |
| MiCA / License status | MSB (presumed) N/D |
Strengths
- Not-custodial ZK-powered stablecoin Visa card: zero dati personali; $6M seed; privacy 9/10.
- No notable sovereignty advantage documented.
Weaknesses
- In sviluppo; lancio not annunciato; no copertura geografica definita.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (N/D): reporting to authorities and freezes on order.
Verdict
A Visa stablecoin card built on zero-knowledge technology, focused on maximum privacy and backed by a $6M seed round. It is still in development, with no confirmed launch date or defined geographic coverage. Fund custody is reported as service-managed, at odds with its non-custodial positioning.
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 Payy Card a safe card?
Payy Card is a custodial card on the 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 Payy Card cost?
The card has no annual fee. Issuance is free. The FX markup is 0% (no surcharge). See the tier table for full conditions.
Does Payy Card offer cashback?
Payy Card does not offer crypto cashback.
Is Payy Card available in Italy?
Yes, Payy Card is available in Italy.
Is Payy Card custodial or self-custody?
Payy Card 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 · Corporate site Data verified on Jun 14, 2026
- cardpilled.com ATM fees · Cashback · Staking richiesto Data verified on Jun 14, 2026
- coindesk.com Founders Data verified on Jun 14, 2026
- crypto.news Latest funding round · Investors Data verified on Jun 14, 2026
Show 4 more sources
- 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
- spendnode.io Cashback.staking richiesto · Cashback.cap eur · On-chain settlement · Annual cost Data verified on Jun 13, 2026