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DeFi maxiKemygroup LLC (Delaware, USA)both● Live

Kemy Card

Custodial prepaid Visa/Mastercard with high spending limits, requiring full KYC.

KemyCard is a globally available, crypto-funded virtual and physical prepaid card issued by KemyGroup LLC. It requires full KYC, offers high spending limits, and supports loading via cryptocurrencies, bank cards, and mobile money.

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Best for

High-volume online spenders needing $100,000/month limits and unlimited virtual cards.

Skip if

You are cost-sensitive, as fees can reach 8-13% of funds.

Network
both
Custody
custodial
KYC
full
Max cashback
0.00%
Min monthly fee
$2
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes

The verdict

What we like
  • High limits: $100k/month virtual, $400k balance physical.
  • Instant virtual card issuance after KYC.
  • Accepted at Visa-network / Mastercard-network online merchants.
  • Physical card supports Apple Pay and ATM access.
  • Multiple funding methods including BTC, ETH, USDT.
  • Available in 37 languages with global reach.
Watch outs
  • High fees: up to 8% top-up, 3.5% transaction.
  • 0% cashback on all spending.
  • Card blocked after 5 consecutive declined transactions.
  • No two-factor authentication (2FA) advertised.
  • Inconsistent 5% vs 8% crypto deposit fee listed.
  • High $100k monthly limit but has a steep 8% crypto top-up fee.
  • Physical card supports Apple Pay, but costs $250 plus $10/month.
  • Global availability but requires full KYC and has no 2FA security.

Basic information

Kemy Card is a crypto-funded prepaid card service offering virtual and physical Visa/Mastercard options. It requires full eKYC identity verification for activation. The service is designed for users needing high spending power, with limits up to $100,000/month for virtual cards. It supports unlimited virtual card creation, making it suitable for digital marketers and e-commerce. Funds can be loaded via various cryptocurrencies, bank cards, and mobile money, which are then converted to a main USD balance.

Fees

Kemy Card has a complex fee structure that varies by card type.

Card Issuance & Maintenance:

  • Virtual Card Issuance: $15 (one-time)
  • Physical Card Issuance: $250 (one-time, includes shipping)
  • Virtual Card Monthly Fee: $2
  • Physical Card Monthly Fee: $10

Transaction & Top-Up Fees:

  • Purchase Transaction: 3.5% + $1.00 per purchase
  • Crypto/Mobile Money Deposit: 5% to 8% (Note: The website shows conflicting rates of 5% in the pricing table and 8% in the FAQ. Users should verify.)
  • Card Top-up (< $100): $1.50
  • Card Top-up (≥ $100): 1.25%
  • Declined Transaction: $0.80
  • Currency Conversion: Standard Visa/Mastercard rates (typically 1-3%)

Spending & ATM 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)

Features

  • Card Types: Reloadable virtual and physical prepaid cards (Visa or Mastercard).
  • Spending Limits: Up to $100,000/month (virtual) and $50,000/day (physical).
  • Maximum Balance: $100,000 (virtual), $400,000 (physical).
  • Virtual Cards: Unlimited virtual cards can be created under one account.
  • Physical Card: Supports contactless NFC, in-store payments, and ATM access.
  • ATM Limits (Physical): $15,000 monthly, $500 daily.
  • Card Controls: Freeze/unfreeze capability available via web dashboard.
  • Security: Card is automatically blocked after 5 consecutive declined transactions. No 2FA is advertised.

Rewards

Availability

Global (except U.S.-sanctioned countries). Available in 191 countries. Restricted in 3 countries (Iran, North Korea, Syria). Key regions missing: Hong Kong.

Top-up & funding

  • Cryptocurrency (via Cryptomus payment gateway)
  • Bank card payments
  • Mobile money transfers

Funds typically available after receiving required blockchain confirmations

Security & custody

  • Card freezing/unfreezing capability
  • SSL-encrypted connection to dashboard
  • Password protection for account access
  • 5-decline block policy

Risk note. Funds are not FDIC-insured. If the provider or its partners cease operations, funds may become inaccessible. Deposits are also subject to AML holds by the third-party payment processor, Cryptomus.

Mobile wallets

Apple Pay—
Google Pay—
Samsung Pay—

Card tiers

Virtual Card

Card material
Virtual only
Monthly limit
$100,000 USD
Issuance fee
$15 USD (one-time)
Requirements
Full eKYC with ID and biometric verification
  • Unlimited virtual cards can be created under one account
  • Instant issuance after KYC verification
  • Card freezing/unfreezing capability
  • 3 years validity from issuance
  • Maximum balance $100,000 USD

Physical Card

Card material
Physical card with contactless NFC
Issuance fee
$250 USD (includes DHL Express shipping)
Requirements
Full eKYC with ID and biometric verification
  • In-store and ATM access
  • Maximum balance $400,000 USD
  • Daily spending limit $50,000 USD
  • Single transaction limit $25,000 USD
  • ATM monthly limit $15,000 USD
  • ATM daily limit $500 USD
  • 3 years validity from issuance
  • 1 physical card maximum per user

Banking services

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

What users say

Trustpilot
2.7/5 (10 reviews)

Mixed - some users praise quick setup and high limits, while recurring complaints center on support responsiveness, AML-related deposit holds, and high fee burden

Risks & limitations

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.
  • CounterpartyDeposit processor (Cryptomus) may impose AML holds on transactions. Funds may be held or frozen by the payment processor independently of Kemy Card.
  • RegulatoryService availability subject to ongoing regulatory compliance and partner relationships. The fintech regulatory landscape continues to evolve.
  • SecurityLimited dispute resolution - as a prepaid card, Kemy Card likely has limited chargeback capabilities compared to credit cards
  • SecurityAccount security relies heavily on password strength with no advertised two-factor authentication
Limitations
  • moderateFull KYC/AML checks required - the service performs automated ID + biometric verification and blockchain AML monitoring
  • majorHigh fees (8% crypto top-up fee, 3.5%+$1 transaction fee) - effective cost can be 10-15% of funds
  • moderateATM access via physical card only - virtual cards remain online-only
  • moderateNo cashback or rewards program
  • moderateCard blocked after 5 consecutive declined transactions
  • minorNo dedicated mobile app (web dashboard only)
  • moderateMixed user reviews citing support responsiveness issues and AML-related deposit holds
  • moderateNo two-factor authentication (2FA) currently advertised
  • moderateNo 3D Secure Authentication - less fraud protection
  • minorInconsistent fee information on official website (5% vs 8% crypto deposit fee)

Roadmap

Planned
  • 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)

Best suited 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.

Our verdict

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 service has evolved from its initial positioning to now require full KYC/AML compliance, making it a regulated alternative for users who want to spend cryptocurrency at traditional merchants. The card's strengths lie in its generous limits, instant availability after verification, and the flexibility to top-up with multiple methods. However, significant considerations temper these advantages. The fee structure is substantial, and user experience feedback is mixed, with recurring complaints center on support responsiveness and AML-related deposit holds.

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