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按费用、KYC 要求、隐私评分与功能对比加密货币信用卡。

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  5. Payy Card
Payy Card
Payy Card
证件验证
虚拟卡 Visa
8.5
综合
获取此卡
Payy Card logo

Payy Card

发行方 Payy

获取此卡

Payy Card 是首张采用零知识证明保护隐私的加密货币卡,由前苹果工程师打造。它非常适合希望消费稳定币又不想暴露链上活动的隐私敏感用户。

优点

  • +零知识证明可让卡片交易与钱包活动脱钩
  • +自托管,资金不会被冻结或停用
  • +免月费、交易费与充值费
  • +可用于 OpenAI、Netflix、Spotify(许多卡片无法使用)
  • +独特的发光实体卡设计

缺点

  • -境外消费收取 1% 外汇手续费
  • -实体卡仅支持闪付(无芯片与磁条)
  • -没有返现或奖励计划
  • -仅支持 USDC,加密货币种类有限
  • -功能极简,未必适合所有用户
8.5/10
综合优秀
6.0/10
社区评分基于 149 个信息来源
Lv 3
KYC 等级证件验证

目录

卡片概览

Payy Card
奖励
返现
0%
返现币种
—
质押奖励
✗
质押年化收益
—
新用户奖励
—
推荐奖励
$0
费用
月费
免费
开卡费
免费
ATM 取现费
免费
外汇兑换费
免费
充值费
免费
交易拒付费
免费
限额
每日消费
未披露
每月消费
未披露
ATM 取现
未披露
卡片信息
卡片类型
虚拟卡, 实体卡
卡组织
Visa
Apple Pay
✓
Google Pay
✓
奖励
返现
0%
返现币种
—
质押奖励
✗
质押年化收益
—
新用户奖励
—
推荐奖励
$0
费用
月费
免费
开卡费
免费
ATM 取现费
免费
外汇兑换费
免费
充值费
免费
交易拒付费
免费
限额
每日消费
未披露
每月消费
未披露
ATM 取现
未披露
卡片信息
卡片类型
虚拟卡, 实体卡
卡组织
Visa
Apple Pay
✓
Google Pay
✓

KYC 要求

Level: 证件验证
邮箱验证
需要
手机验证
需要
身份证件
需要
地址证明
不需要
自拍验证
不需要

社区评分

6.0/10
来源于
@Kenny Evrard“scam. I would like to make 0 star. I've been using this app for a while, I got disappointed when they gave me an email telling me that all the funds had been robbed. and all my money goes like this. how to explain that if you called your wallet a self custody?? till now I can't access my money. Even using another app with the same phrase.”@Hassan Qureshi“worst experience ever. my balance showing zero even I have some dollars in wallet . my card is also not showing. 2 hours passes but still no response from support team.”@Baba Ji Ka Thullu“One of the best virtual card ever! I Love It 💗💗💗”@Steffi graff“Watch out—Payy is stealing identities Watch out—Payy is stealing identities. I created a Payy account, but their system entered incorrect details during the setup process. Now I can't access my account, even though I can prove the ID card belongs to me. Support refuses to help because they claim I need access to the email address and mobile number—but those don't actually exist. So, my identity is linked to an account belonging to someone else. That is illegal.”@It Tech Solution“very very bad experience on the deposit. It takes almost 5 days to pass the deposit.”@yyhhdy“Maliciously collecting personal information The card application portal disappeared immediately after I submitted my application.”@MD SIAM (HASSAN)“Very poor experience with the wallet system. I deposited $1.80, and at first it showed the full amount was added. But after a few seconds, it decreased to $1.67, and finally only $1.25 was credited. This kind of hidden deduction is unacceptable. There is no clear explanation for why the amount keeps changing. It feels misleading and untrustworthy. This has happened more than once. The app needs to be transparent about fees or stop deducting money without explanation. Would not recommend.”@Saif Shiraj“So far, I haven't been charged any fees for transactions through the Payy app-which is impressive. The user interface is by far my favorite among finance apps: clean, intuitive, and visually appealing. Card issuance is completely free, which adds to the value. One of the coolest features is the ability to earn points and redeem them for a physical glow card-it's truly unique and stands out. Their support team has been fairly responsive and helpful overall. Loving the experience!”@Zhu YF“Can not see card function in the app.”@Alpha“card declined too many times”@MD Merajul Islam“Scam app scam app I deposit 5$ but The dollar balance in the account has gone down to zero😡. , And they ask me to deposit again.🤬🤬 Don't use this apps Request action to Play Store authorities.”@I'm rich“so I just downloaded the app I tried to get an card it says verification on progress after a day it says approved and when I click "done" it takes me to the home and says "verification on progress" and when I click it, it says approved I contact support but they DIDN'T help at ALL😭🙏”@Timmeyyyyyyh“Prettyy good Payy let you pay your bills anonymously. Keep up the good work 💪🏼”@Anton“Best app ever for virtual card! You can literally blindly use this app cause there is no transaction or withdrawal fees. And so on, I am totally happy with this app”@Siyam Ahamed“আমার 5 ডলার scam করেছে payy app scam scam app scam app সবাই সাবধান”@Tamo7i“Add networks options I actually like your app so much useful , but Etherium network is expensive , add other options like BNb”@Inkhardy5“This is a scam! Do not use This is a scam I sent crypto to it and over a day now and nothing! Do not use!!!”@jinu_sajaboys86“Payy Card - 100% privacy Payy Card: La mia esperienza con una carta crypto self-custodial per privacy e pagamenti quotidiani Ho testato Payy Card nelle ultime settimane e merita un post dedicato: è una Visa collegata a un wallet non-custodial dove puoi depositare, prelevare e spendere USDC e USDT su Ethereum, Arbitrum e Polygon direttamente, senza intermediari custodial. Cosa mi ha convinto: • Privacy come core: Usa zero-knowledge proofs on-chain (UTXO model). L’issuer vede solo l’autorizzazione alla spesa, non i tuoi balances o tx history – perfetto per minimizzare esposizione tipo DAC8 r”@@ZbsbGyywyw“Vaiya Fee 0.43 lagtasee 😅”

分项评分

KYC 便捷度
7.1/10
App 体验
6.7/10
客服质量
6.7/10

功能

闪付(非接触支付)

支持的加密货币

USDC iconUSDC