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DeFi maxiMETABANK INC (KazeFi), partnering with licensed financial institutionsvisa● Live

Kazepay Card

Custodial prepaid Visa card for spending USDT/USDC from multiple chains, with no-KYC virtual cards.

KazePay is a prepaid Visa crypto card that converts major stablecoins to fiat for spending at over 150 million merchants worldwide. The platform offers Silver and Gold virtual cards for online transactions and physical cards for in-person payments and ATM withdrawals with KYC verification. Available in 210+ countries, KazePay appeals to digital nomads, freelancers, and crypto enthusiasts who want instant crypto-to-fiat conversion without staking requirements.

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Best for

Stablecoin holders (USDT/USDC) needing global spending and a no-KYC virtual card option.

Skip if

You need to spend BTC/ETH or want to avoid 1.8-2.2% top-up fees.

Network
visa
Custody
custodial
KYC
full
Max cashback
0.00%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes

The verdict

What we like
  • Multiple virtual card tiers (Silver/Gold) per account.
  • Visa-network acceptance in 210+ countries.
  • Supports 7+ chains including Solana, Base, Arbitrum.
  • Virtual cards available with no-KYC.
Watch outs
  • Stablecoin-only (USDT/USDC); no BTC or ETH funding.
  • High top-up fees of 1.8-2.2% per deposit.
  • ATM fees are 2% + $1 minimum.
  • Spend USDT/USDC on 7+ chains, but pay 1.8-2.2% top-up fees.
  • Get a no-KYC virtual card, but physical cards require full KYC.
  • Offers no cashback rewards, but supports Apple Pay and Google Pay.

Basic information

KazePay is a Web3 payment platform that bridges the gap between digital assets and traditional payment systems. The KazePay Crypto Card enables users to convert cryptocurrency into fiat currency for everyday spending anywhere Visa is accepted.

  • Card Name: KazePay Crypto Card
  • Card Network: Visa
  • Card Type: Prepaid Debit Card
  • Card Issuer: METABANK INC (KazeFi), partnering with licensed financial institutions
  • Card Format Options: Virtual (Silver and Gold tiers) and physical
  • Mobile Wallet Integrations: Apple Pay and Google Pay
  • Merchant Acceptance: Over 150 million merchants worldwide (anywhere Visa is accepted)

Fees

KazePay fees are structured around recharge (top-up) transactions and ATM withdrawals, with no fees charged on spending transactions themselves.

  • Monthly/Annual Fee: None. An optional Pro Plan subscription is available for $10/month for advanced analytics.
  • Purchase Transactions: None.
  • Recharge (Top-up) Fee: 1.8% - 2.2% for virtual cards, 2% for physical cards.
  • Crypto-to-Fiat Conversion: Included in the recharge fee.
  • ATM Withdrawals: 2% per transaction (minimum $1) + local ATM operator fees. Not applicable to virtual cards.
  • Issuance & Maintenance: Fees apply and vary by card type and issuing bank.

Important Restrictions:

  • Card balances cannot be withdrawn on-chain.
  • Refunds to virtual cards are not guaranteed.

Spending & ATM limits

Notes
Virtual cards have lower limits sufficient for everyday purchases. Physical cards have higher limits similar to traditional debit cards.
Atm Daily
Daily limits apply for physical cards (exact figures not published)
Daily Spending
Lower limits for virtual cards; higher limits for physical cards (exact figures not published)

Features

  • Card Tiers: Offers virtual cards (Silver and Gold tiers) which do not require KYC, and a physical card that requires KYC.
  • Global Acceptance: Accepted in 210+ countries at over 150 million merchants on the Visa network.
  • Mobile Wallets: Compatible with Apple Pay and Google Pay for contactless payments.
  • Funding: Top-up with USDT and USDC from multiple blockchain networks including BSC, Solana, Tron, Base, Arbitrum, Aptos, and Avalanche.
  • Instant Conversion: Crypto is converted to fiat instantly at the point of sale.
  • Card Management: App allows users to freeze/unfreeze cards, view PINs, and set spending limits.
  • Multiple Cards: Users can manage multiple virtual cards under one account for budgeting.

Rewards

**Cashback** Official representatives have confirmed that KazePay does not currently offer any cashback program, despite some marketing materials suggesting it. **Referral Programs** * **Friends Referral Program**: Offers potential earnings of "over USD $1,980" and a 10% commission on referrals' usage. * **Brand Ambassador Program**: Available for influencers and community leaders.

Availability

Available in 210+ countries worldwide (171 confirmed available). Restricted in OFAC-sanctioned regions including North Korea, Iran, Syria, Cuba, Crimea, Russia, and Mainland China. iOS app US-only, web app global.

Top-up & funding

  • Crypto (USDT/USDC from external wallet)

Instant conversion at point of sale

Security & custody

  • Multi-Factor Authentication (MFA)
  • Biometric authentication (fingerprint/Face ID)
  • Real-time transaction notifications
  • Card freeze/unfreeze functionality
  • Know Your Transaction (KYT) monitoring

Risk note. If the provider disappears, card balances are inaccessible and cannot be withdrawn on-chain.

Mobile wallets

Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported

Card tiers

Silver (Virtual)

Card material
Virtual only
Monthly limit
Lower limits (sufficient for everyday purchases)
Issuance fee
Issuance fees apply (vary by tier/bank)
Requirements
Email/phone registration only - no KYC required
  • Freeze/unfreeze functionality
  • Customizable spending limits
  • Instant generation in-app
  • 1-3 year validity

Gold (Virtual)

Card material
Virtual only
Monthly limit
Lower limits (vary by tier)
Issuance fee
Issuance fees apply (vary by tier/bank)
Requirements
Email/phone registration only - no KYC required
  • Freeze/unfreeze functionality
  • Customizable spending limits
  • Instant generation in-app
  • 1-3 year validity

Physical Card

Card material
Black plastic card with EMV chip and contactless capability
Monthly limit
Higher spending limits
Issuance fee
Issuance fees apply (vary by bank)
Requirements
KYC process required (ID document and possibly selfie verification)
  • Full Visa functionality
  • 5-year validity with automatic replacement
  • ATM withdrawal capability globally
  • In-store swipe or tap payments
  • Standard refund processing

What users say

No public user ratings available yet. User feedback has been generally positive, highlighting easy setup, global acceptance, and transparent fees.

Risks & limitations

Risks
  • CounterpartyCustodial model means if provider disappears, card balances are inaccessible and cannot be withdrawn on-chain
  • CounterpartyNo deposit insurance equivalent to what traditional banks offer
  • RegulatoryService terms could change due to evolving crypto regulations
  • MarketDiscrepancy between marketing materials and actual features (cashback claims vs reality)
Limitations
  • majorStablecoin-only funding (USDT/USDC) - no Bitcoin or Ethereum support
  • majorCard balances cannot be withdrawn on-chain or transferred to other users
  • majorVirtual card refunds not guaranteed according to official FAQ
  • moderateNo cashback rewards despite marketing materials suggesting otherwise
  • moderatePhysical cards require KYC verification
  • moderateNo direct fiat on-ramp (must deposit crypto from external source)
  • moderateRecharge fees: 1.8-2.2% (virtual), 2% (physical)
  • moderateATM withdrawal fees: 2% + $1 minimum + operator fees
  • moderateVirtual cards cannot be used at ATMs (online transactions only)
  • moderateiOS app limited to US region (non-US users must use web app)
  • minorLacks premium perks offered by more established competitors
  • minorPotential shipping delays for physical cards in some regions
  • minorCrypto balances don't earn interest
  • moderateNo deposit insurance equivalent to traditional banks (like FDIC)

Best suited for

Digital nomads, freelancers paid in stablecoins, and crypto enthusiasts who want instant crypto-to-fiat conversion without staking requirements. Also suitable for privacy-conscious users who prefer minimal KYC for virtual card usage.

Our verdict

KazePay offers a specialized solution for stablecoin holders who want to use their USDT or USDC in everyday life without cumbersome conversion processes. The KazePay Crypto Card bridges the gap between cryptocurrency and traditional payment systems through its prepaid debit cards, which can be used at over 150 million merchants worldwide. The platform's tiered virtual card system (Silver and Gold) provides flexibility for online spending without KYC requirements, while physical cards offer full Visa functionality including ATM access for users willing to complete identity verification. The zero transaction fees on purchases and broad global acceptance make it particularly attractive for digital nomads and crypto enthusiasts who hold stablecoins.

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