Anonymous · no-KYC · crypto cards
Four vetted services, eleven cards — side-by-side fees, limits, Apple Pay and AI-service support. No registration on this site.
Level-1 service overview — one row per service. Numbers are from current provider data and may change.
| Service | Issue fee | Top-up fee | Transaction fee | Monthly limit | Apple Pay | AI services | Cards | |
|---|---|---|---|---|---|---|---|---|
 AnyPayApple Pay + AI | 35–45USDT | 3.5–4.5% | 0% | $200k/day | ✓ | ✓ | 3 | Open |
 CinCinPremium Cards | $39–$250 | 4.5% | $1.025 + 0.4% | $2M | ✓ | ✓ | 5 | Open |
 FlowbitSubscriptions + Cashback | $9.99 | 4.5% | $0.25 | $2.5k | – | ✓ | 2 | Open |
 MaxSwapHigh-Limit Mastercard | ~$52.5 | 3.5% | $0.25 + 0.4%(+0.6% non-USD) | $2M | ✓ | ✓ | 1 | Open |
AnyPay offers Visa cards funded with USDT via Telegram. The Ultimate card combines Apple Pay, Google Pay, and AI-service support with 0% transaction fees.
CinCin provides five Mastercard and Visa cards funded with crypto, with limits from $500k to $2M and an optional 24/7 VIP concierge service.
Flowbit offers Mastercard virtual cards from $9.99 with 35+ country coverage. The optional Plus plan ($4.99/mo) lowers the top-up fee to 3% and adds 0.25% cashback.
MaxSwap provides a single Mastercard with high monthly limits, Apple Pay support, no KYC, and balance returned to USDT spot on closure. Supports 25 cryptocurrencies.
Start with your most-used payment method. If you need Apple Pay or contactless, shortlist AnyPay Ultimate, CinCin MC, or MaxSwap. If AI services are the priority — ChatGPT, Claude, Cursor, Midjourney — AnyPay Ultimate and CinCin Visa for AI are the dedicated options. For the cheapest one-time test, Flowbit Subscriptions ($9.99) carries the lowest issue fee. For high monthly spend above $500k, CinCin Premium and MaxSwap support those limits.
All four services issue virtual cards without identity documents — no passport scan, no selfie, no proof of address. The only exception is CinCin's physical card, which requires full KYC before issuance. Some providers — notably Flowbit — run a lightweight check when you first register, but it is not document-based. Providers may request documents in cases of unusual account activity regardless of plan.
Every card carries three fee layers: an issue fee (one-time, paid on card creation), a top-up fee (a percentage of each crypto deposit), and a transaction fee (per payment, often $0 or a small flat/percentage). Issue fees range from $9.99 (Flowbit Subscriptions) to $250 (CinCin VIP Concierge). Top-up fees run 3–4.5%. Transaction fees are $0 on AnyPay and CinCin MC/Premium/VIP, or a flat+percentage elsewhere. Use the fee calculator to estimate the true cost for your spend pattern.
AnyPay, CinCin, and MaxSwap are all managed entirely via Telegram bots — no website account needed. You issue the card, top up, view the balance and freeze or unfreeze directly inside the bot. Flowbit operates via a dedicated web dashboard and Telegram bot. This bot-first model is the primary reason these services suit buyers who prefer not to create traditional financial accounts.
Answer a few questions and the card finder matches you to 2–3 services and the specific card inside each — no single winner, no scores.
Plug in your expected monthly spend and top-up amount to compare the all-in cost across services and cards.
Compare 4 services, 11 cards — no registration required on this site.