Kripicard

What Kripicard does

Kripicard, operated by Uweb3 Management BR (a private fintech entity headquartered in Ipanema, Rio de Janeiro, Brazil), runs a crypto-to-fiat payment platform that issues instant virtual Visa and Mastercard debit cards funded with USDT, USDC, BTC, ETH, and 150+ additional cryptocurrencies, accepted at 90M+ merchants across 190+ countries. The platform launched on March 12, 2025, and differentiates on a multi-BIN card-issuance architecture designed to survive single-issuer compliance failures — a vulnerability that has previously collapsed crypto card competitors. Kripicard's card-issuance stack is built around instant self-serve onboarding (no credit check, no bank account, under-2-minute card generation from signup), 3DS 2.0, mandatory 2FA, KYC/KYB and KYT transaction monitoring, and SOC 2 Type II compliance (achieved April 30, 2026). Beyond core cards, the platform has extended into adjacent products: eSIM data plans, gift cards, SIM recharge, SIM messages, and the $KRIPI utility token on Solana, all purchasable from the same crypto-funded balance.

Kripicard's revenue model is unit-priced and explicitly transparent: a $5 one-time card issuance fee, a 4% crypto top-up fee, and a flat $1 processing fee per transaction, with no subscription, authorization, or FX markup. Bulk/agencies receive up to ~30% discounts on issuance and top-up fees; high-volume operators (500+ cards/month) negotiate enterprise contracts. Complementary monetization includes commissions on the gift card marketplace and eSIM data plans supplied through independent third parties. The company is increasingly monetizing through API distribution — a developer-facing issuance API, white-label solutions, Premium BIN API v1.6, eSIM API, and Gift Cards API — targeting fintechs, Web3 platforms, and digital ad agencies as embedded partners.

The customer base is fragmented by design: freelancers and content creators, digital nomads, AI and SaaS companies, e-commerce merchants, remote teams, Web3 agencies, blockchain startups, and digital media buyers. Pricing and GTM signals (PLG self-serve onboarding, ambassador and content-creator programs, Telegram and X community channels, partner/reseller programs) suggest the company emphasizes volume and ecosystem participation rather than enterprise concentration. In February 2026, one banking partner imposed temporary account locks affecting a portion of customer balances; Kripicard voluntarily refunded affected users and pursued formal fund-recovery actions, an event that highlights both the structural banking-partner dependency risk central to its model and the company's willingness to absorb losses to retain user trust.

Name

Kripicard

Legal name

Uweb3 Management BR

Website

https://kripicard.com

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

Kripicard, operated by Uweb3 Management BR (Brazil), issues instant virtual Visa and Mastercard cards funded with 150+ cryptocurrencies across multiple BINs, serving freelancers, media buyers, agencies, and Web3 businesses globally via self-serve platform and APIs.

Ownership category

akta.pro rank

Product category

Crypto Virtual Cards

NAICS

Credit Card Issuing (522210), Credit Card Issuing (52221)

SIC

Finance Services (6199)

akta.pro industry

PRIMARYFSADAIAC

Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid)

Financial & Insurance/Crypto & Digital Assets/Payments, Merchant Acquiring & Remittances (Crypto)

SECONDARYFSADAIAA

Crypto Payment Gateways & Checkout APIs

Financial & Insurance/Crypto & Digital Assets/Payments, Merchant Acquiring & Remittances (Crypto)

SECONDARYFSAMANAJ

Virtual Prepaid & Single-Use / Tokenized Cards

Financial & Insurance/Payments & Transaction Processing/Prepaid, Gift Cards & Stored Value

SECONDARYTHACAJAA

Virtual Card Issuance & Tokenized Corporate Cards

Travel & Hospitality/Business Travel & Corporate Travel Management/Corporate Payments (Virtual Cards, Lodge Cards, Travel Wallets)

SECONDARYFSADAIAN

Digital Gift Cards, Vouchers & Stored-Value (Crypto)

Financial & Insurance/Crypto & Digital Assets/Payments, Merchant Acquiring & Remittances (Crypto)

Keywords

• Crypto virtual cards
• USDT virtual debit cards
• Crypto-to-fiat payment infrastructure
• White-label card issuance API
• Multi-BIN virtual card platform

Headquarters

HQ city

Rio de Janeiro

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Supply Chain, Others

Revenue model

1. Virtual Card Issuance Fees: One-time issuance fee charged per virtual card ($5 standard). Negotiable at volume for agencies and enterprise customers.
2. Crypto Funding Fees: 4% fee on the amount topped up with USDT/cryptocurrency. Transparent, no hidden charges.
3. Processing Fees: Flat $1 processing fee per transaction. No monthly or subscription fees.
4. eSIM Services: Revenue from eSIM data plan purchases funded by crypto. Services provided with independent third-party suppliers.
5. Gift Cards: Revenue from gift card marketplace purchases using crypto. Provided with independent third-party suppliers.

Pricing tiers

Go-to-market motion4 records

Distribution channels4 records

Marketing channels9 records

Core offering

Kripicard operates a crypto-to-fiat payment platform that lets users instantly issue virtual Visa and Mastercard debit and credit cards funded by USDT, USDC, BTC, ETH, and 150+ cryptocurrencies. Cards are issued in seconds across multiple BINs with no credit check and no bank account required, accepted at 90M+ merchants worldwide and tokenizable into Apple Pay, Google Pay, and Samsung Pay. The company also offers developer APIs for programmatic card issuance and white-label integration, plus ancillary crypto-funded services including eSIM data plans, gift cards, SIM recharge, and SIM messages, alongside the $KRIPI utility token on Solana.

Product overview

Kripicard is a multi-product crypto-to-fiat payments platform headquartered in Rio de Janeiro, Brazil, operating as a financial technology company (entity: Uweb3 Management BR). The core product is the Crypto Virtual Card — instant virtual Visa and Mastercard debit cards funded with cryptocurrency (USDT, USDC, BTC, ETH, and 150+ supported coins) issued in seconds across multiple BINs and accepted at 90M+ merchants globally. The platform is structured as a unified ecosystem combining: (1) the core virtual card product with variants for digital nomads, international users, media buyers, and subscription management; (2) the $KRIPI utility token on Solana powering the ecosystem with rewards and governance; (3) complementary services including eSIM plans, gift cards, SIM messages, and SIM recharge; and (4) a suite of developer APIs for card issuance, white-label integration, Premium BIN lookup, eSIM provisioning, and gift card automation. The platform supports 190+ countries and targets freelancers, digital businesses, agencies, content creators, and crypto-native users.

Differentiator

Problem solved

Functional benefit

Brands

• $KRIPI: Utility token powering the Kripicard ecosystem on the Solana blockchain.

Products and services

• Crypto Virtual Cards Instant-issue virtual Visa and Mastercard debit and credit cards funded with USDT, USDC, BTC, ETH, and 150+ supported cryptocurrencies, issued in seconds across multiple BINs for global online shopping, ad spend, SaaS subscriptions, and everyday spending at 90M+ merchants in 190+ countries. Includes tokenized provisioning into Apple Pay, Google Pay, and Samsung Pay.
• $KRIPI Utility Token Native utility token of the Kripicard ecosystem built on the Solana blockchain, powering the platform with rewards, governance rights, fee discounts, exclusive rewards, and priority access to new features.
• eSIM Plans Global eSIM data plans for mobile connectivity across 190+ countries, purchasable and activatable using Kripicard virtual cards funded by cryptocurrency, supporting instant activation via QR code for travelers, digital nomads, and remote workers.
• Gift Cards Marketplace Digital gift cards from hundreds of popular brands purchasable using Kripicard virtual cards funded by cryptocurrency, enabling spending at merchants that may not accept virtual cards directly; operated with independent third-party suppliers.
• SIM Recharge Mobile phone balance top-up service allowing users to recharge their SIM cards directly using Kripicard virtual cards, supporting major carriers worldwide with instant processing.
• SIM Messages Service Temporary and rentable virtual phone number service supporting SMS verification from many countries including USA, UK, India, and more, without exposing the user's real phone number; activated and paid with crypto.
• Card Issuance API Developer-facing REST API enabling businesses to issue virtual cards programmatically, manage card parameters and spending limits, and integrate crypto-to-fiat payment capabilities into their own platforms and dashboards.
• White-Label Solutions White-label card issuance infrastructure allowing fintech companies and Web3 platforms to embed Kripicard's virtual card capabilities under their own brand via API integration, suitable for partner revenue-share and agency channel distribution.
• Premium BIN API Premium BIN lookup API (v1.6) providing expanded BIN coverage, faster lookups, and richer issuer metadata including card networks, issuing banks, country, and card type with improved accuracy.
• eSIM API REST API for programmatic eSIM provisioning, enabling businesses to integrate and automate eSIM plan purchases and activation for their users at scale.
• Gift Cards API REST API for programmatic gift card purchase and issuance, enabling businesses to integrate digital gift card buying from hundreds of brands into their own platforms.

Quantifiable outcome

• Card issuance in under 2 minutes vs 1-5 business days for traditional bank cards
• +3 more outcomes

Named customers8 records

Segments12 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

Feature8 records

Partnerships

Two partnerships are on record, tiered minor and core.

• CypherHunterminorGTM or Marketing Partner · 7 December 2025$KRIPI token officially listed on CypherHunter, a leading crypto discovery and tracking platform. Increases visibility in the crypto ecosystem with detailed token metrics and market data.
• CryptomuscoreTechnology or Integration · 25 October 2025Strategic partnership with Cryptomus, a leading crypto payment gateway. Enhances payment infrastructure with enterprise-grade security, multi-currency support, and seamless integration capabilities strengthening the virtual card ecosystem.

Scale indicators11 records

Recent moves13 records

Expansion highlights6 records

Broad incumbents

• Binance Card: Binance Card is a crypto-funded Visa debit card issued through partner banks, comparable to Kripicard in instant issuance, multi-crypto funding, and global merchant reach, but backed by a much larger exchange.
• Coinbase Card: Coinbase Card is a US-based Visa debit card funded by crypto balances, operating as a broader incumbent exchange-plus-card product that competes with Kripicard across consumer crypto spending and merchant acceptance.

Direct peers

• BitPay: BitPay provides crypto payment cards and merchant services, comparable to Kripicard in offering Visa/Mastercard cards funded by multiple cryptocurrencies for global online and in-store spending.
• Crypto.com: Crypto.com offers a flagship crypto Visa card with tiered rewards, broad geographic availability, and a native utility token — a direct competitor to Kripicard's USDT-funded virtual card and $KRIPI token ecosystem model.
• Wirex: Wirex is a crypto-enabled payment platform that issues Visa and Mastercard debit cards funded by multiple cryptocurrencies, directly comparable to Kripicard's core virtual card product across consumer and B2B use cases.
• Bybit Card: Bybit issues crypto-funded Mastercard virtual and physical cards for global spending, directly competing with Kripicard on multi-crypto funding, instant issuance, and ad-platform / online merchant acceptance.
• Nexo Card: Nexo offers a crypto-backed credit/debit Mastercard with no spending limits and credit functionality funded by crypto collateral, overlapping Kripicard's credit card issuance and crypto-to-fiat spending use cases.

Emerging players

• Bitrefill: Bitrefill lets users spend crypto on gift cards, mobile top-ups, and eSIMs — directly overlapping Kripicard's Gift Cards, SIM Recharge, and eSIM product lines and the broader "spend crypto like money" use case.
• Pyypl: Pyypl issues blockchain-based prepaid Visa cards targeting underbanked populations in the Middle East and Africa, comparable to Kripicard's unbanked/digital nomad segments and crypto-funded card model.
• Gnosis Pay (Alonside): Gnosis Pay (now Alongside) issues a self-custody Visa debit card funded directly from a user's on-chain wallet, comparable to Kripicard's crypto-funded virtual card model with Web3-native wallet integration.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/kripicard
• YouTubeyoutube.com/@Kripicard
• TikToktiktok.com/@user1179253435966
• Pinterestpinterest.com/kripicardreal

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kripicard