The operator's identity is missing. Nowhere on the site — terms, privacy policy, AML policy or about page — is there a legal name, registration number, registered address, jurisdiction or governing law. The card issuer is not named: the terms only say «issued by our licensed third-party issuing partners», without stating which partner or under which licence. Without this we cannot verify who is accountable if something goes wrong, which is why this profile stays out of rankings and comparisons.
For this reason this service does not appear in our rankings, comparator or comparison pages: it will once its terms can be verified against a dated official document.
RivoCard
Non dichiarata · Visa / Mastercard
RivoCard is a platform offering prepaid virtual Visa and Mastercard cards topped up with cryptocurrency or bank transfer, aimed at individuals, freelancers and digital businesses for online purchases, subscriptions and advertising spend. The published terms state a single 5% fee on every top-up, free card creation, no monthly subscription and no extra charge on online or international purchases. The site claims support for Bitcoin, USDT, Ethereum, Monero and over 50 assets. What we could not verify should be stated plainly: the service nowhere declares which company operates it, in which country, or who the licensed card issuer is — the terms describe them only as «licensed third-party partners» without naming them. The privacy policy claims GDPR compliance but does not identify the data controller, which is the minimum required disclosure. The domain rivocard.com was registered on 27 January 2026, while the site's structured data declares a 2024 publication date: an inconsistency we verified directly. The service submitted itself to the registry on 9 August 2026.
Data & conditions
| Network | Visa / Mastercard |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | Free |
| Annual fee | Free |
| ATM withdrawal | not declared |
| FX markup | 0% |
| Cashback | Not disclosed |
| Contactless | No |
| Virtual card | Yes |
| KYC | Full |
| Supported countries | EEA, US, APAC, LATAM, MENA, AFRICA |
| Segment | B2C |
| MiCA / License status | Nessuna licenza dichiarata |
Strengths
- Free card creation, no monthly subscription and a declared 0% on online purchases and international spend
- Crypto top-up with a wide range of declared assets (Bitcoin, USDT, Ethereum, Monero and others)
- Fee structure declared simply: a single line, 5% on top-up
- No notable sovereignty advantage documented.
Weaknesses
- No company, address or jurisdiction declared: there is no way to know who runs the service or which law applies
- The card issuer is not named and its licence cannot be verified
- The 5% top-up fee is high: on €1,000 you lose €50 before spending anything, well above the crypto-card average
- The privacy policy claims GDPR compliance without identifying the data controller
- Domain registered in January 2026, yet the site declares a 2024 publication date
- Claimed certifications (PCI DSS) cannot be verified from independent sources
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Score 2.0/5, weak profile. In its favour: free card creation, no monthly subscription and a declared 0% on online purchases and international spend. The trade-off to weigh: no company, address or jurisdiction declared: there is no way to know who runs the service or which law applies.
On the Sovereignty lens the score is 0.4/5 (weak): the strength is censorship resistance (1.5/5), while fund control (0.0/5) is the weak link.
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
Who operates RivoCard?
It is not declared. The terms, privacy policy, AML policy and about page carry no legal name, registration number, address or jurisdiction. This is the main missing piece, and the reason this profile is marked as partial.
Who issues the cards, and under which licence?
The terms only state that cards are «issued by our licensed third-party issuing partners», without naming the partner or the licence. We found no way to verify it independently.
What does it actually cost?
The published terms state a single 5% fee on every top-up, with free card creation, no subscription and 0% on online and international purchases. 5% is high: on €1,000 loaded you lose €50 before spending anything.
Is it GDPR compliant as claimed?
The privacy policy says so, but it does not identify the data controller — the minimum a privacy notice must disclose. We report both the claim and the gap, without offering a legal opinion.