Kemy Card
Visa + MastercardcustodialKYC: required
2.5 / 5
Net Reward0.0
Availability4.5
Custody & Risk2.0
Features4.3
KemyCard is a globally available, crypto-funded virtual and physical prepaid card issued by KemyGroup LLC (Delaware, USA). Designed for users seeking high spending power, it enables online payments at most Visa/Mastercard merchants but requires full KYC identity verification for activation.
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Slug: kemy-card
Our Verdict
Digital marketers who need multiple cards for advertising accounts with high spending limits, high-volume online spenders who can absorb the fee structure, crypto holders who want to spend cryptocurrency at traditional merchants without converting to bank accounts, and international users who need USD-denominated cards with global online acceptance.
Pros and cons
Pros
- High spending limits ($100,000/month virtual, $400,000 balance physical) suitable for business use
- Instant issuance of virtual cards after KYC verification
- Ability to create unlimited virtual cards under one account
- Global acceptance at online merchants accepting Visa/Mastercard
- Physical card option with in-store payments, mobile wallet support, and ATM access
- Multiple funding methods (crypto, bank card, mobile money)
- Available in 37 languages with global reach
- Comprehensive referral program with performance bonuses
Cons
- Full KYC required - not suitable for users seeking anonymity
- High fee structure (up to 8-13% of funds in combined fees depending on usage)
- Virtual cards limited to online purchases only
- No cashback or rewards program on spending
- Strict policy on declined transactions (blocked after 5 consecutive declines)
- No official mobile apps (web dashboard only)
- No two-factor authentication advertised
- Mixed user reviews citing support responsiveness issues
- AML deposit holds via Cryptomus can temporarily lock funds
- Inconsistent fee information on official website (5% vs 8% crypto deposit fee)
Supported chains
AvalancheBitcoinEthereumPolygonSolanaTRON
Supported cryptos
BNBBTCDAIDOGEETHLTCSHIBSOLTRXUSDCUSDT
Fees
Monthly: See card_tiers
Issuance: See card_tiers
Purchase Transaction: 3.5% + $1.00 on each purchase
Key Features
- Full KYC required - account activation requires ID and biometric verification via Sumsub
- High spending limits - up to $100,000 USD monthly (virtual), $50,000/day (physical)
- Virtual and physical cards available - both valid for 3 years from issuance
- Unlimited virtual cards can be created under one account
- Global online acceptance at 99% of Visa/Mastercard merchants
- Supports multiple cryptocurrencies, bank cards, and mobile money for loading
- Card freezing/unfreezing capability for security
- Available in 37 languages with localized regional pages
- U.S. BIN (Bank Identification Number)
Limitations
- Full KYC/AML checks required - the service performs automated ID + biometric verification and blockchain AML monitoring
- High fees (8% crypto top-up fee, 3.5%+$1 transaction fee) - effective cost can be 10-15% of funds
- ATM access via physical card only - virtual cards remain online-only
- No cashback or rewards program
- Card blocked after 5 consecutive declined transactions
- No dedicated mobile app (web dashboard only)
- Mixed user reviews citing support responsiveness issues and AML-related deposit holds
- No two-factor authentication (2FA) currently advertised
- No 3D Secure Authentication - less fraud protection
- Inconsistent fee information on official website (5% vs 8% crypto deposit fee)
Risks
- CounterpartyFunds are held with banking partners, not directly insured. As a non-bank fintech service, funds are not FDIC-insured or protected by traditional banking regulations.Users should be cautious about maintaining large balances in the system
- CounterpartyDeposit processor (Cryptomus) may impose AML holds on transactions. Funds may be held or frozen by the payment processor independently of Kemy Card.Users may need to contact Cryptomus directly to resolve issues
- RegulatoryService availability subject to ongoing regulatory compliance and partner relationships. The fintech regulatory landscape continues to evolve.Changes in regulations or banking partner relationships could affect service availability or terms
- SecurityLimited dispute resolution - as a prepaid card, Kemy Card likely has limited chargeback capabilities compared to credit cardsIf fraudulent charges occur or a merchant dispute arises, recovering funds may be difficult
- SecurityAccount security relies heavily on password strength with no advertised two-factor authentication
Rewards & Cashback
Notes: No cashback or rewards program on spending
Spending Limits
Notes: Card blocked after 5 consecutive declined transactions
Atm Daily: $500 USD (physical card only)
Atm Monthly: $15,000 USD (physical card only)
Daily Spending: $50,000 USD (physical card only)
Per Transaction: $10,000 USD (virtual), $25,000 USD (physical)
Monthly Spending: $100,000 USD (virtual card)
Top-Up Methods
Cryptocurrency (via Cryptomus payment gateway)Bank card paymentsMobile money transfers
Min Amount: $5 USD (virtual), $10 USD (physical)
Processing Time: Funds typically available after receiving required blockchain confirmations
Banking & Financial Services
✗
IBAN
✗
SEPA Transfers
✗
SWIFT
✗
Virtual Accounts
✗
Direct Deposit
US Virtual Bank Accounts (routing/ABA numbers for ACH and Wire transfers) and Crypto→Fiat Bank Transfers (SEPA, ACH, Pix, SPEI) are listed as 'Coming Soon' features
Credit & Loan Products
Security Features
Features: Card freezing/unfreezing capability,SSL-encrypted connection to dashboard,Password protection for account access,5-decline block policy
Insurance: No insurance on crypto deposits or fiat balances - not FDIC-insured
Mobile Wallet Support
Apple PayGoogle PaySamsung Pay
Best For
Digital marketers who need multiple cards for advertising accounts with high spending limits, high-volume online spenders who can absorb the fee structure, crypto holders who want to spend cryptocurrency at traditional merchants without converting to bank accounts, and international users who need USD-denominated cards with global online acceptance.
Custody Model
custodialPlatform and its banking partners hold all crypto and fiat funds. Users do not control private keys at any point. Funds are under Kemy Card's control (and its banking partners) until spent.
Risk: If provider or partners cease operations, funds become inaccessible to users. No insurance on crypto deposits or fiat balances - unlike a bank, money is not FDIC-insured.
Card Issuer & Compliance
Issuer Name: Kemygroup LLC (Delaware, USA)
Kyc Required: true
Issuer License: Licensed banking partners (not publicly disclosed) via Kemygroup LLC
Platform Licenses: Visa and Mastercard licenses held by partner banks
Availability
Global (except U.S.-sanctioned countries). Available in 191 countries. Restricted in 3 countries (Iran, North Korea, Syria). Key regions missing: Hong Kong.
Card Tiers
Virtual Card
Virtual onlyVirtual only
Full eKYC with ID and biometric verification
Fees
Issuance: $15 USD (one-time)
Top-up: 8% crypto/mobile money deposit; $1.50 per top-up under $100, 1.25% for $100+
Monthly: $2 USD
Monthly Limit: $100,000 USD
VisaMastercardGoogle Pay
Unlimited virtual cards can be created under one accountInstant issuance after KYC verificationCard freezing/unfreezing capability3 years validity from issuanceMaximum balance $100,000 USD
Physical Card
PhysicalPhysical card with contactless NFC
Full eKYC with ID and biometric verification
Fees
Issuance: $250 USD (includes DHL Express shipping)
Top-up: 8% crypto/mobile money deposit; $1.50 per top-up under $100, 1.25% for $100+
Monthly: $10 USD
VisaMastercardApple PayGoogle PaySamsung Pay
In-store and ATM accessMaximum balance $400,000 USDDaily spending limit $50,000 USDSingle transaction limit $25,000 USDATM monthly limit $15,000 USDATM daily limit $500 USD3 years validity from issuance1 physical card maximum per user
Card BIN Numbers
User Ratings
2.7/5 (10 reviews)
Trustpilot
Mixed - some users praise quick setup and high limits, while recurring complaints center on support responsiveness, AML-related deposit holds, and high fee burden
Roadmap & Updates
Planned Features:
- US Virtual Bank Accounts - providing US routing/ABA and account numbers for receiving ACH and Wire transfers
- Crypto→Fiat Bank Transfers - direct cryptocurrency conversion to bank deposits supporting US (ACH/Wire 1-3 days), EU (SEPA 1-3 days/Instant), Brazil (Pix ~5 minutes), Mexico (SPEI ~5 minutes), Colombia (ACH 1 business day), and Argentina (~5 minutes)
Conclusion
Kemy Card offers a specialized solution in the fintech space by providing a crypto-funded Visa/MasterCard with high spending limits and global online usability. The card's strengths lie in its generous limits (up to $100,000/month for virtual cards, $400,000 balance for physical cards), instant availability after verification, and the flexibility to top-up with multiple methods including various cryptocurrencies, bank cards, and mobile money. However, significant considerations temper these advantages. The fee structure is substantial - with crypto deposit fees of 5-8%, transaction fees of 3.5% + $1, and various other charges, the cumulative cost can reach 10-15% of funds for typical usage patterns. The service requires full ID and biometric verification through Sumsub. Kemy Card is best suited for high-volume spenders who need substantial transaction limits, can absorb the fee structure as a cost of doing business, and are comfortable with full KYC verification.
Card launched: 2024
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