major networks

Spend crypto like money.

Deposit crypto and get a virtual card on the major networks in minutes. No KYC, no documents, no ID. Pay online, in apps, and in person with Apple Pay and Google Pay.

Cipher

•••• •••• •••• 8711

Valid thru08/28 Clarity
Cipher

•••• •••• •••• 0925

Valid thru08/28 Clarity
Clarity card
USDT (ERC20) deposit +$2,800.00

Credited

0.50% fee · $14.00

Balance$1,212.71

major networks

A real card for everyday spending online or tap in-store with its own number, expiry date, and CVV, accepted at over 100 million merchants worldwide.

PayPay
No KYCno documents, no ID
XMR, BTC, LTC, ETH, USDT, USDCaccepted
$0monthly fee

How it works

Three steps to get your Non-KYC MasterCard

1

Create account for free

No KYC, no documents, no ID.

no KYC
2

Deposit crypto

Send BTC, ETH, USDT, USDC, LTC or XMR to your balance. Buy your card & Top Up

3

Pay everywhere in the world

Pay online, in apps and in person at over 100 million merchants worldwide.

Mastercard

The card

A card built for real spending.

Mobile wallets
Apple Pay (Clarity) · Google Pay (Clarity, Ghost)
Security
3-D Secure · details shown once, encrypted
Validity
2+ years

The lineup

Three cards. One balance.

Breeze

$10

The way in. Online and in-app spending, on its own card.

  • Online and in-app, everywhere cards are accepted
  • Freeze, rename and control it from the dashboard
  • Loads at 8%
Start with Breeze

Ghost

$35

The middle cut. Same rails, same ceilings, more card.

  • Online and in-app, everywhere cards are accepted
  • Freeze, rename and control it from the dashboard
  • Loads at 8%
Start with Ghost
The complete card

Clarity

$80

The complete card. Online, in-app, Apple Pay, Google Pay, tap in person.

  • Everything in one card: online, in-app, in person
  • Apple Pay and Google Pay from the first minute
  • Tap anywhere contactless is taken: shops, transit, terminals
  • Loads at 8%
Start with Clarity

One-time card price · Breeze $10 · Ghost $35 · Clarity $80

In your wallet

Tap to pay, now

Add your Card to Apple Wallet or Google Pay in seconds and pay contactless wherever you can tap your Phone.

  • Add to Apple Pay and Google Pay in seconds

Google Pay works on Clarity and Ghost. Apple Pay rides Clarity alone, and depends on your Apple account region and device.

02:475G

Wallet

Ciphercards Clarity •• 8711
Ciphercards Clarity •• 0925
Add to Apple Wallet Added, ready to tap

In the wild

Where Cipher runs.

Paid media

Ad accounts billed clean, so your campaigns keep running.

Subscriptions

Streaming, memberships and tools, each on its own card.

Travel

Rides, stays and flights. Tap or book online.

Everyday

Groceries, coffee, transit. Contactless everywhere.

Worldwide

Accepted at over 100 million merchants — online, in apps and in person.

Funding

Fund with the assets you already hold.

Loading a card costs 8%, the same on every card.

Accepted here

BTCBitcoin
ETHEthereum
USDTTetherETH
USDCUSD Coin ETH
LTCLitecoin
XMRMonero
DepositsEvery deposit you make to your Cipher account0.50%
Cardone-time · Breeze $10 · Ghost $35 · Clarity $80from $10
Card loadthe top-up fee, the same on every card8%
PaymentsNo hidden fees, card payments are 0%$0
Monthly feeKeep it idle until you want to use it$0
You deposit$1,000.00
Deposit fee · 0.50%−$5.00
Your balance$995.00
Card load · 8%−$79.60
Lands on the card$915.40

Top Up rate at 8% · no card spending fees & $0 monthly card fee

The dashboard

Run it from one clean screen.

Balance, cards and activity in one place. Create, load, freeze or replace a card in a couple of clicks. Works in any browser, phone included. Nothing to install.

Privacy & security

Private by design. Serious about compliance.

No KYC. Ever.

No ID, no KYC, so there is nothing to leak. Sign up for free.

3-D VISA/MasterCard

Real card rails with 3-D Secure.

FAQ

Good questions, straight answers.

How fast is it, really?

Deposits are credited once confirmed by the network, usually within a few minutes, depending on the asset. Card creation takes about a minute, and your card number, expiry date, and CVV appear in your dashboard as soon as it's issued.

Do Apple Pay and Google Pay really work?

Yes. Google Pay works on Clarity and Ghost; Apple Pay on Clarity, depending on your Apple account region and device. Add the card to Apple Wallet or Google Wallet and pay contactless wherever you can tap. If verification is requested, choose Email. Pairing is in beta, so contact support and we will get your code to you quickly.

What does it cost?

To add funds, deposits cost a flat 0.50%. Card loading fees 8%. Cards are a one-time purchase, Breeze $10, Ghost $35, or Clarity $80 with no payment fees or monthly charges.

Where can I pay with it?

Whatever you want. Accepted at over 100 million merchants worldwide, online and in store.

What are the limits?

Spend only what you load prepaid, with no credit line and no monthly cap from us. The card networks apply their own generous limits: up to $50,000 per day and $1,000,000 per month. You'll always see the applicable limits in your dashboard before moving any money.

What if I stop using a card?

No monthly fee. Use the card whenever you want. Cards are valid for 2+ years. If you decide to permanently close it, contact support to get help.

What do you need from me to start?

No KYC. Email address optional and a crypto deposit, no documents at any point.

Your card is minutes away.

Create an account, deposit crypto, and pay with Apple Pay or Google Pay today.

Get your card

Cards from $10 · no KYC · no monthly fee · no hidden fees