Not reviewed by the team
USDT Visa Card Without KYC. To register you will need an invitation code.
XKard is a cards and shopping service that accepts Fiat. It may request KYC in rare cases and has a score of 4/10. There are 7 user ratings averaging 2.9/5.
Scores
- Rare KYC
- No routine KYC, but may request it or block funds if compelled by authorities, legal orders, or internal risk review. Refunds are subject to policies.
- Custodial wallet -3 -5
These services manage your private keys and keep custody your funds. These wallets are typically offered by centralized exchanges like Coinbase or Binance. Using them requires trusting the institution with your assets.
These services manage your private keys and keep custody your funds. These wallets are typically offered by centralized exchanges like Coinbase or Binance. Using them requires trusting the institution with your assets.
-3 Privacy-5 Trust - Rare KYC -5 0
No routine KYC, but may request it or block funds if compelled by authorities, legal orders, or internal risk review. Refunds are subject to policies.
No routine KYC, but may request it or block funds if compelled by authorities, legal orders, or internal risk review. Refunds are subject to policies.
-5 Privacy0 Trust - Phone number is required -4 0
To use this service, you will need to provide a valid phone number. The service may verify your number via SMS or call. In most cases, you can use anonymous SMS services. Avoid temporary numbers if you need ongoing access.
To use this service, you will need to provide a valid phone number. The service may verify your number via SMS or call. In most cases, you can use anonymous SMS services. Avoid temporary numbers if you need ongoing access.
-4 Privacy0 Trust - May suspend your account 0 -4
The service reserves the right to suspend or limit access to your account. For example, if you have overdue payments or you violated the service's ToS.
The service reserves the right to suspend or limit access to your account. For example, if you have overdue payments or you violated the service's ToS.
0 Privacy-4 Trust - Account required -1 0
Users require creating an account with the service in order to access and use its features.
Users require creating an account with the service in order to access and use its features.
-1 Privacy0 Trust - Source code is private 0 -1
The service's source code is not public, so it cannot be reviewed or audited by the community. This limits transparency.
The service's source code is not public, so it cannot be reviewed or audited by the community. This limits transparency.
0 Privacy-1 Trust - Personal info is not verified +9 0
These services do not conduct checks on personal information, meaning that you could use temporary emails, disposable phone numbers, or fake name / addresses.
These services do not conduct checks on personal information, meaning that you could use temporary emails, disposable phone numbers, or fake name / addresses.
+9 Privacy0 Trust - Legally registered 0 +2
Legally registered as XHYPE FZCO in United Arab Emirates 🇦🇪.
Legally registered as XHYPE FZCO in United Arab Emirates 🇦🇪.
0 Privacy+2 Trust - Community contributed 0 0
Listed, but not yet reviewed by the team. Read more about the listing statuses.
Listed, but not yet reviewed by the team. Read more about the listing statuses.
0 Privacy0 Trust - Email required 0 0
To create a user account in this service, you need to provide a valid email.0 Privacy0 Trust - JavaScript needed 0 0
The service requires the user to enable JavaScript in order to access and use its features.0 Privacy0 Trust - Some countries are restricted 0 0
Offered services may not be available in some countries due to logistics, regulations or arbitrary decisions. Please check for any restrictions before use.
Offered services may not be available in some countries due to logistics, regulations or arbitrary decisions. Please check for any restrictions before use.
0 Privacy0 Trust - Base score +50 +50
Overall = 60% Privacy + 40% Trust (Truncated)
Terms of Service Review
Not available on community contributed services
Events
View all-
Attribute change
An attribute was removed (details unavailable)
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KYC update
KYC level changed from 0 to 2
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Domain change
Service URLs updated from https://app.xkard.io to https://xkard.io
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Balances were refunded and cards are working again
SourceXKard team refunded all frozen balances and cards are working again. They are working on a new V3 version too.
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From to
SolvedIssues with HKD VisaSourceTechnical issues with recharge/spending of HK Visa with Apple/Google Pay due to high traffic. XKard assures the funds are safe and are working on the issue.
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Description update
Description was updated
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Verification update
The service has been unoperational for over a week now. We decided to change the verification status changed from APPROVED to COMMUNITY_CONTRIBUTED again.
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Attribute change
An attribute was removed (details unavailable)
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Currency update
Currencies updated: added FIAT, removed BITCOIN
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Currency update
Added currencies: BITCOIN
Evidence and Review History
Listed, but not yet reviewed by the team.
- 1 passed
- Last review Jun 5, 2025
- Listed May 18, 2025
- Operating since Sep 9, 2024
Verification Steps
- PassedTest the service
We were able to top up the account with USDT and get a card, add it to Google Pay and pay for items locally.
Comments
The cards really work but there is a leak of transparency (I suppose due the automation of the service). I used it for more than 12 months.
expensive charging fees, and then just randomly blocked my unused card after a month of not using it, luckily just 60$ on it. Support unresponsive. While I was using it it worked fine, maybe service will resume normal at some point I guess.
Better to use prepaid cards and just load them for the amount you need, wouldnt trust this provider with a loaded card.
Cashed old giftcard out in store -> refund to card on terminal using applepay, funds never arrived, 6+ months, been in contact with the support, tried to get it refunded using their support, keeps saying i have to wait 30 business days, then fill out a form, i never recieved it 500$ worth... Tells me to fill out form for getting it and then another form and etc.... Had no issues with cashing out to revolut and it came from the store on my other giftcard within 2 days... Giftcard was cashed out 25. may...
they are not issuing cards now. whats the point of having this here?
I've spent a fairly large amount via Google Pay over the past month and tried 3D Secure as well. Apart from slightly high fees, everything worked smoothly. The website UI is also excellent. However, there have been issues over the past few days. Currently, I can't move the funds already loaded onto the card, but based on their detailed updates on Telegram, I trust they're handling the situation sincerely.
I’m surprised to see so many negative reviews that don’t match my own experience. Among services of this kind, I believe this one is operated more honestly and runs more reliably than others. Their latest update even introduced self-custodial—would a dishonest company really implement something like that? For those who are criticizing the service, if there is a better alternative, I would genuinely like to know.
The funds that had been blocked were refunded correctly, and since I’m now using XKard’s new service, I wanted to share an updated review. I’ve been using it regularly through Google Pay and so far it’s been smooth with no problems at all. Even though I’m in a non-USD region, the fees are still the lowest I’ve seen compared to other similar services, and topping up is quick and easy. What I appreciate the most is that they’re clearly putting effort into making the service more user-friendly, which really stands out.
I looked everywhere for information about fx fees, it just state that the basic card charges 4.5% and no other information whatsoever about decline fees and other stuff. I get that no-kyc comes with downsides but this is just not transparent to buy a 230$ card just to find out you are paying 10-15% in total fees...
Overall, a solid option if you value privacy. I experienced around a 10% total cost from deposit (in USDT on BSC) to spending (in EUR), mostly due to currency conversion and associated fees. The card worked reliably both in physical stores and online. No KYC required, but comes at a premium.
Just get the Swype card at Trocador https://trocador.app/en/prepaidcards/ which is much cheaper and more reliable.
I registered and got the smallest card they offer. I was able to add it to Google Pay, and I paid for my ChatGPT subscription with it. The only thing is, the fees seem a bit high. For the most basic card, they take 4% for deposits (which must be in USDT). On top of that, they charge another fee (~2%) to change it into Hong Kong Dollars (which is the card's currency). It's still a pretty neat tool if you want to buy stuff online anonymously, so 5 stars.
What happened: Received legitimate payment from a client. Transferred USDT from my TrustWallet to Xkard. System accepted deposit without warning. Tried to load card → funds frozen. Support: "mixer activity in transaction chain" - now demanding KYC to release MY money. The problem: I never used a mixer. Someone paid me for work, I moved it from my wallet to Xkard. If someone three transactions back used privacy tools, how is that my responsibility? I can't audit entire blockchain history of every payment.
Marketing vs Reality: Homepage advertises (18 times): "No KYC" FAQ says: "zero-knowledge model — we never collect, request, or store personal data" Reality: Funds frozen, KYC mandatory, or lose your money.
Their excuse: "It's the provider's AML policy, we can't help." But their T&C say they're "just a technology platform" that "doesn't manage funds." So why advertise "No KYC" if you don't control it?
The real issue: If AML flags deposits as problematic, reject them upfront. Don't accept first, freeze later, demand KYC after. That's not "zero-knowledge" - that's bait and switch. They told me: "Migrate to V3, this doesn't happen there." Translation: They KNOW V2 has this problem but still accept deposits on it.
Why I'm pissed: I work hard for my money. Received legitimate payment. Acted in good faith. Now funds held hostage because someone unknown, somewhere in chain, valued privacy. Xkard advertises privacy but punishes users for... privacy.
The core contradiction: T&C: "We're just a technology interface, don't manage funds" But YOU:
Accept my deposit Advertise "No KYC" Freeze my money Demand KYC Control if I get funds back
Can't hide behind "just a platform" when convenient, then act like financial institution when it benefits you.
What should happen:
Reject problematic deposits upfront (your AML runs on deposit, right?) Stop advertising "No KYC" if exceptions exist Return my funds - I didn't break rules