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Laso Card

No-KYC virtual prepaid Visa-network card for spending stablecoins like USDC and USDT.

Laso Finance's crypto card is a virtual prepaid Visa card for privacy-focused users to spend stablecoins like USDT, USDC, and DAI without identity verification. Instantly issued after connecting a crypto wallet, it enables anonymous crypto-to-fiat spending for everyday purchases.

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Best for

Privacy-conscious users spending stablecoins under the $1,000 card limit.

Skip if

You need high spending limits or want to avoid high deposit fees.

Network
visa
Custody
custodial
KYC
none
Max cashback
0.00%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes

The verdict

What we like
  • No identity verification (no-KYC) required.
  • Instant virtual card issuance.
  • No monthly fees or purchase transaction fees.
  • Apple Pay and Google Pay integration.
  • Supports stablecoins on Ethereum, Solana, Stellar.
Watch outs
  • High deposit fees up to 6.8%.
  • Low spending limit of $1,000 per card.
  • Transaction failures due to no 3D Secure.
  • 0% cashback rewards to offset fees.
  • Get a no-KYC virtual card instantly for spending USDC, USDT, DAI.
  • Pay up to 6.8% in deposit fees for reloadable U.S. cards.
  • Spend globally with Apple Pay and Google Pay, but no physical card.

Basic information

The Laso Card is a pioneering crypto-backed prepaid Visa card that enables users to spend stablecoins at merchants worldwide without traditional identity verification. The core innovation is its no-KYC approach – users can obtain a virtual card simply by connecting a crypto wallet (like MetaMask) and depositing stablecoins, with no personal information required. Cards are instantly issued as virtual cards that can be added to mobile wallets for contactless payments. To maintain regulatory compliance while preserving privacy, Laso implements strict spending limits and blocks certain transaction types like ATM withdrawals.

Fees

The Laso Card fees are structured around deposit charges rather than transaction fees, with no monthly maintenance costs. The fee structure varies significantly depending on the card type selected.

  • Card Issuance Fee: $0
  • Monthly/Annual Fee: $0
  • Purchase Transaction Fee: 0%
  • Foreign Transaction Fee: 0% for USD spending; ~2% FX fee for non-USD spending (International Reloadable)
  • ATM Withdrawal Fee: N/A (ATM access blocked)
  • Withdrawal/Redemption Fee: 5% (on unused balance for non-reloadable cards)
  • Deposit/Loading Fees:
    • U.S. Reloadable: 6.8%
    • International Reloadable (Beta): 5% (promotional rate)
    • U.S. Non-Reloadable: 0%
    • Canadian Non-Reloadable: 0%
    • International Non-Reloadable: 3.5-3.8%

Spending & ATM limits

Notes
Maximum card value $1,000 per card. Up to six cards allowed ($6,000 total daily limit). No single person can purchase more than $10,000 in one day.
Atm Daily
N/A (ATM access blocked)
Atm Monthly
N/A (ATM access blocked)
Daily Spending
$1,000 per card
Monthly Spending
$4,000 (International Reloadable cards only)

Features

  • No KYC required: Connect wallet and deposit stablecoins without identity verification.
  • Instant virtual card issuance: With mobile wallet integration (Apple Pay, Google Pay).
  • Multi-chain stablecoin support: Supports USDT, USDC, DAI across Ethereum, Arbitrum, Polygon, Optimism, Base, Solana, and Stellar.
  • Multiple card options: For U.S., Canadian, and international users.
  • Spending Limit: $1,000 per card spending limit (regulatory compliance measure).
  • Multiple Cards: Ability to create multiple cards for different purposes.

Rewards

Laso's card program focuses on privacy and convenience rather than traditional rewards: * **Cashback**: None (0% cashback) * **Staking Requirements**: No staking required; no native token to stake. * **Referral Program**: Users can earn 50% of deposit fees paid by referred friends. * **Gift Cards**: Low/no fee gift cards with hundreds of options available.

Availability

Available in approximately 189 countries worldwide. Restricted: High-Risk/Sanctioned Jurisdictions (Afghanistan, Belarus, Cuba, Democratic Republic of Congo, Eritrea, Ethiopia, Iran, North Korea, and other sanctioned territories). European Restrictions: Denmark, France, Poland, Sweden, and the United Kingdom. U.S. cards can only be used within the United States. Canadian cards can only be used within Canada. International cards can be used globally except in restricted countries.

Top-up & funding

  • Crypto wallet deposit (e.g., MetaMask)
  • USDT
  • USDC
  • DAI

Instant (card is funded instantly after conversion)

Security & custody

  • Web3 wallet authentication (cryptographic signing)
  • HTTPS and secure connections
  • Advanced transaction monitoring
  • On-chain analysis of deposit sources
  • Device fingerprinting
  • Spending behavior monitoring
  • Blocking of certain merchant category codes (MCCs)
  • Prevention of transfers of value (ATM withdrawals, financial services payments)

Risk note. If provider disappears, user loses access to card funds. No FDIC insurance for user balances (due to anonymity).

Mobile wallets

Apple Pay Supported
Google Pay Supported
Samsung Pay Supported

Card tiers

Canadian (CAD) Non-Reloadable

Cashback
0%
Card material
Virtual only
Issuance fee
$0
  • Denominated in CAD
  • 5% withdrawal fee on unused balance
  • Canadian merchants only

International Non-Reloadable

Cashback
0%
Card material
Virtual only
Issuance fee
$0
  • Global acceptance
  • 5% withdrawal fee on unused balance

International Reloadable (Beta)

Cashback
0%
Card material
Virtual only
Monthly limit
$4,000
Issuance fee
$0
  • Still in beta testing
  • Global merchants
  • Reloadable
  • ~2% FX fee for non-USD spending

U.S. Non-Reloadable

Cashback
0%
Card material
Virtual only
Issuance fee
$0
  • U.S. merchants only
  • 5% withdrawal fee on unused balance

U.S. Reloadable

Cashback
0%
Card material
Virtual only
Issuance fee
$0
  • U.S. merchants only
  • Customizable design
  • Reloadable

What users say

Trustpilot
3.2/5.0 (1 ratings)

Mixed - positive feedback on privacy, ease of use, instant issuance, mobile wallet integration; negative feedback on high fees, low spending limits, lack of physical cards, transaction failures in some regions

Risks & limitations

Risks
  • RegulatoryOperates in a regulatory gray area by exploiting specific exemptions in FinCEN's Prepaid Access Rule
  • RegulatoryRegulatory changes could affect the service, potentially requiring KYC implementation or further restrictions
  • CounterpartyNo FDIC insurance for user balances due to anonymity
  • CounterpartyIf provider disappears, user loses access to card funds
Limitations
  • majorHigh deposit fees (up to 6.8% on U.S. reloadable cards)
  • major$1,000 maximum value per card
  • moderateVirtual cards only (no physical cards currently available)
  • majorATM withdrawals and person-to-person transfers blocked
  • moderateTransaction failures in some European countries due to 3D Secure requirements
  • moderateNo rewards program to offset fees
  • moderateLack of 3D Secure (3DS) authentication support
  • minorNo API for programmatic card issuance or management
  • moderateUsers in Portugal and Italy have reported very low transaction success rates

Roadmap

Recently shipped
  • Now supports Stellar alongside other networks

Best suited for

Privacy-conscious crypto holders seeking anonymous spending capabilities, digital nomads needing borderless financial tools with minimal documentation, users in countries with limited banking options who have stablecoin access, and occasional crypto spenders making moderate purchases under $1,000.

Our verdict

The Laso Card stands out as a unique financial tool that prioritizes privacy and simplicity over rewards and high spending limits. By offering a no-KYC Visa prepaid card that can be funded with stablecoins, Laso fills an important niche for crypto users who value financial privacy or lack access to traditional banking services. The card's strengths lie in its instant issuance, broad merchant acceptance, and seamless integration with mobile wallets for contactless payments. The ability to create multiple cards for different purposes and the absence of monthly fees add to its appeal.

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