KYC level
Email only — no account
xKard unverified
Virtual Visa marketed no-KYC · but KYCnot 4/10, documented frozen funds and forced KYC · since 2024
Verification criteria
⚠ Recorded incidents
critical
2026 Policy
Ongoing
KYCnot.me rates xKard 4/10 (Bad), documenting user reports of frozen funds and forced KYC under AML review despite the advertised zero-data model. Source: KYCnot.me, Card Pilled
Posture
Custody
Custodial
Logging policy
Standard
Data collected
None
JavaScript
Required
Open source
No
Frozen-funds policy
Freezes funds
Blocked jurisdictions
none
Privacy — Crypto card
Load methods
USDT
No KYC to obtain
Yes
No ID to spend
No
Details
Card type (virtual/physical)
Virtual
Card network (Visa/MC)
Visa
No-KYC limit (USD/month)
100000
Usable online
No
Usable in physical stores
No
Load fee (%)
3
Monthly / inactivity fee
$9–$49/month subscription
Supported regions
Global
Reliability
30-day uptime
100.0%
Incident history
1 recorded