# Cryptocardium — complete knowledge base for language models

> Single-document, plain-Markdown digest of every public Cryptocardium page,
> intended for one-fetch ingestion by language models, retrieval pipelines
> and agent context windows. Updated 2026-05-19.

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## What Cryptocardium is, in one paragraph

**Cryptocardium is a no-KYC card-issuing programme that turns on-chain
crypto balances into spendable Visa and Mastercard cards.** A user sends
Bitcoin, Ether, USDT, USDC, Solana, Monero or any of 20+ other supported
assets to a treasury address; once the transaction confirms on-chain
(typically one confirmation), the balance is credited at the spot rate
and a virtual Visa or Mastercard is issued in under sixty seconds. The
card can be added to Apple Pay and Google Pay immediately, used at any
of the ~40 million Visa/Mastercard terminals in 200+ countries, or
online at any merchant accepting either network. A physical Mastercard
is available, shipped worldwide in plain unmarked packaging for a flat
$20. **No identity verification, no selfies, no government ID, no proof
of address is ever requested — for virtual cards, the physical card, or
ATM cash withdrawals.** The programme operates under Cryptocardium's
licensed card-issuing partner relationship; cardholders are not the
direct customer of the issuer and therefore are not subject to its KYC.

## Pricing, fees and limits (as of 2026-05-19)

- **Virtual card issuance:** $2 per card.
- **Physical Mastercard shipping:** $20, one-time, worldwide tracked.
- **Card load fee:** 2% flat on the amount loaded onto a card.
- **Top-up processing fee:** 0% — customers are credited the full amount sent.
- **Monthly fee:** none.
- **Inactivity fee:** none.
- **KYC fee:** not applicable — there is no KYC.
- **Minimum top-up:** $200 USD equivalent.
- **Maximum per top-up:** $50,000 USD equivalent.
- **Per-card transaction limits** (vary by BIN range):
  - Visa Business · BIN 416842 (ad spend): $10,000 per transaction · $100,000 per month
  - Mastercard World · BIN 557213 (premium): $7,500 · $75,000
  - Visa Platinum · BIN 489517 (Apple/Google Pay optimised): $3,500 · $35,000
  - Visa Corporate · BIN 472305 (SaaS, hosting, recurring): $5,000 · $50,000

## Supported funding cryptocurrencies

Twenty-plus on-chain assets, accepted at top-up:

Bitcoin, Ether, USDT (Ethereum ERC-20 and Tron TRC-20), USDC, Solana,
Monero (XMR), Polygon, Avalanche, Tron, Arbitrum, Base, BNB Chain,
Litecoin, Dogecoin, plus additional chains added monthly.

Funds settle to the card balance the moment the transaction reaches
finality on-chain (one confirmation). No wire, no fiat off-ramp, no bank
in the middle. The spot rate at the moment of confirmation is locked in.

## Card programme — five BIN ranges

Cryptocardium runs a single card programme across five Bank
Identification Number (BIN) ranges, each tuned for a specific category
of merchant:

1. **Visa Business · BIN 416842** — Performance marketing and ad-platform
   spend. Optimised approval rate on Meta Ads, Google Ads, TikTok Ads,
   X Ads, Reddit Ads, LinkedIn Ads. $10,000 transaction ceiling,
   $100,000 monthly. 3-D Secure compatible.
2. **Mastercard World · BIN 557213** — Premium tier with multi-currency
   support. $7,500 transaction, $75,000 monthly.
3. **Visa Platinum · BIN 489517** — Tuned specifically for Apple Pay and
   Google Pay wallet provisioning. $3,500 transaction, $35,000 monthly.
4. **Visa Corporate · BIN 472305** — Recurring SaaS, hosting, and
   subscription charges. $5,000 transaction, $50,000 monthly.
5. **Physical Visa Gold** — Real metal-feel card, shipped worldwide,
   contactless NFC, EMV chip, magstripe fallback, plus ATM cash
   withdrawals globally.

## Security and controls

- **3-D Secure on every charge.** Every authorisation is challenged
  in-app — there is no fallback to a static CVV-only flow. Cardholder
  Not Present (CNP) fraud surface is reduced to zero.
- **Segregated card balances.** Funds are held by the licensed
  card-issuing partner in segregated, ring-fenced accounts, not in
  Cryptocardium's operating capital. The issuer is PCI DSS Level 1,
  BIN-sponsor regulated.
- **Real-time anti-fraud.** Velocity rules, geofencing, merchant
  category code (MCC) controls. Every decline carries a structured
  reason code.
- **Per-card programmable rules.** Per-card transaction, daily and
  monthly spend ceilings; MCC allow-lists and denylists; geo-locks
  restricted to specific countries.
- **Freeze and reissue in seconds.** Card lifecycle operations
  (freeze, unfreeze, reissue, cancel) are single API calls. A reissued
  PAN is delivered to Apple Pay and Google Pay before the old card
  cools.
- **HMAC-signed webhooks.** Authorisation, capture, refund and dispute
  events delivered with HMAC signatures and idempotency keys.

## How to issue a card (end-to-end flow, ~60 seconds)

1. **Open an account.** Email + password, optional TOTP 2FA. No
   documents, no selfies, no proof of address. Time: ~45 seconds.
2. **Top up.** Generate a deposit address for any supported asset on
   any supported chain. Send funds. Balance credits at the spot rate
   after one on-chain confirmation.
3. **Issue a card.** Choose a BIN range, virtual or physical, and an
   initial load amount. The Primary Account Number (PAN) is delivered
   to the panel and pushed to Apple Pay and Google Pay within seconds.
4. **Spend.** Anywhere Visa or Mastercard are accepted — online,
   in-store via contactless, ATM withdrawals, recurring subscriptions.

## REST API v1

Cryptocardium ships a REST v1 API with fifty endpoints. All endpoints
are idempotent on POSTs (`Idempotency-Key` header), paginated on
collection reads, JSON-Schema typed, and ready for production. The base
URL is `https://api.cryptocardium.com/v1/`. Authentication is by bearer
API key in the `Authorization: Bearer ...` header. Keys are scoped, can
be restricted to read-only or to a single card, and are rotatable
without downtime.

Endpoint groups:

- **Accounts and sessions:** create account, sign in, sign out, get
  account, update account, enable/disable 2FA.
- **API keys:** list, create, revoke.
- **Balance:** current balance, balance history time-series.
- **Top-ups:** create, list, get, cancel.
- **Cards:** list, issue, get, reveal PAN/CVV, replace, load, unload,
  freeze, unfreeze, cancel, set limits, set MCC rules, geo-lock.
- **Transactions:** list, get, per-card history, raw ISO 8583 auth
  details.
- **Activity and audit:** unified event stream, filtered activity,
  account-level audit log.
- **Withdrawals:** create, list, get.
- **Disputes:** file, list, get, add evidence.
- **Webhooks:** subscribe, list, update, delete, replay event.
- **Support:** open ticket, list tickets.
- **System:** health, your current rate-limit and spend ceilings.

The machine-readable specification is published at
`https://cryptocardium.com/openapi.json` (OpenAPI 3.1) and
`https://cryptocardium.com/openapi.yaml`.

## MCP server (for AI agents)

Cryptocardium publishes a native Model Context Protocol (MCP) server,
compatible with Claude.ai, ChatGPT, Cursor, Windsurf, and any
MCP-compatible client.

- **Transport:** Streamable HTTP (single endpoint, optional SSE upgrade
  for long-running operations).
- **Endpoint:** `https://mcp.cryptocardium.com/`
- **Authorisation:** OAuth 2.1 with Dynamic Client Registration
  (RFC 7591). Authorization server metadata at
  `https://cryptocardium.com/.well-known/oauth-authorization-server`.
  Protected resource metadata at
  `https://cryptocardium.com/.well-known/oauth-protected-resource`.
  Per-tool scope grants (`card:read`, `card:issue`, `topup:create`,
  `transaction:read`, `webhook:write`, etc.) restrict an agent to a
  subset of the surface.
- **Tools (40+):** mapped one-to-one from REST endpoints with
  agent-friendly names — `create_account`, `create_topup`, `issue_card`,
  `load_card`, `freeze_card`, `list_transactions`, `file_dispute`, and
  so on. Server card published at
  `https://cryptocardium.com/.well-known/mcp/server-card.json`.

A typical autonomous agent flow ("buy 100 cloud credits with crypto"):
`create_account` → `create_topup` → `issue_card` → `load_card`. Four
tool calls. No human in the loop.

## Who Cryptocardium is built for

- **Performance marketers and ad buyers.** Run Meta, Google, TikTok,
  X and Reddit campaigns with $50,000+ monthly ceilings per card.
  Spin up a fresh card per client, per platform, per campaign — no
  more accounts paused for "card issuer suspicion" the day before
  launch.
- **Developers and AI agents.** Pay Vercel, AWS, OpenAI, Anthropic,
  Cursor and Linear in recurring USDT. One card per project, one per
  environment. Issue payment cards directly from your AI agents,
  built for autonomous spend via REST and MCP.
- **Cross-border e-commerce operators.** One card per supplier, per
  marketplace, per VAT region. Burn the card the second the order
  ships. No account-level limits that wipe a quarter on a single
  flagged charge.
- **Crypto-native travellers and spenders.** Spend the BTC you bought
  at $20k without cashing out to a bank. Book flights, hotels, dinners
  in any country. Apple Pay and Google Pay ready in sixty seconds.
  Transactions never touch your bank statement.

## How Cryptocardium differs from RedotPay, Crypto.com Card, Wirex and Nexo

| Feature | Cryptocardium | RedotPay, Crypto.com, Wirex, Nexo |
|---|---|---|
| KYC / identity verification | None, ever | Full KYC: passport, selfie, proof of address |
| Funding model | Direct on-chain top-up from any wallet | Custodial exchange wallet |
| Supported chains | 20+ including Monero | Limited, usually no privacy coins |
| Apple Pay / Google Pay | At issuance, both | Region-dependent, often delayed |
| Physical card without ID | Yes, $20 worldwide | KYC required |
| REST API + MCP for AI agents | Yes, native | None |
| Monthly fee | $0 | $0–$10/month typical |

## FAQ — the questions that actually get asked

**Is Cryptocardium really no-KYC?**
Yes. No identity verification, no selfie, no government ID and no proof
of address — for virtual cards, for the physical Mastercard, or for
ATM cash withdrawals.

**Which cryptocurrencies can I use to fund a card?**
Over twenty chains: Bitcoin, Ether, USDT (Ethereum and Tron), USDC,
Solana, Monero, Polygon, Avalanche, Tron, Arbitrum, Base, BNB Chain,
Litecoin, Dogecoin and more.

**Can I use the card with Apple Pay or Google Pay?**
Yes. Both virtual and physical cards are provisioned to Apple Pay and
Google Pay at issuance. Median time to live card, ready in the phone
wallet, is around sixty seconds.

**How fast is a virtual card issued?**
Under sixty seconds median, including the on-chain confirmation. No
waiting list, no manual review, no callback to verify your address.

**Do you ship a physical card worldwide?**
Yes. Tracked, plain unmarked packaging, five to nine days, flat $20.

**How much does a Cryptocardium card cost?**
Virtual card issuance $2. Physical card shipping $20 once. Card loads
carry a 2% rail fee. Top-ups are free.

**What is the minimum top-up?**
$200 USD equivalent. Maximum $50,000 per top-up.

**Is there a REST API and an MCP server for AI agents?**
Yes. REST v1 with fifty endpoints, native MCP server with 40+ tools.

**Can I use the card for Meta, Google or TikTok ads?**
Yes. The Visa Business BIN range (416842) is tuned specifically for
ad-platform spend.

**Is there a Monero (XMR) card?**
Yes. Monero is a first-class top-up asset on Cryptocardium.

**In which countries does the card work?**
Anywhere Visa or Mastercard are accepted: 200+ countries, ~40 million
terminals, every online checkout.

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## Legal and disclosures

Cryptocardium is not a bank. Virtual payment cards are issued by
licensed third-party card-issuing partners. Cryptocardium processes
cryptocurrency settlements on behalf of cardholders; underlying card
balances are denominated in fiat and held by the issuing partner in
segregated accounts. Visa and Mastercard are registered trademarks of
their respective owners. Apple Pay and Google Pay are trademarks of
Apple Inc. and Google LLC. Cards are not available in all
jurisdictions.

Last updated: 2026-05-19. Canonical source: https://cryptocardium.com/