PAYY Card

Payy Card is a self-custodial Visa debit card built on the Payy Network — a privacy-first stablecoin payments infrastructure using zero-knowledge (ZK) proofs on Ethereum L2. Designed for Web3 users who want to spend USDC in everyday settings without exposing their on-chain history. Accepted at 140M+ Visa locations worldwide, with Apple Pay and Google Pay support. Works with major subscriptions including OpenAI, Netflix, and Spotify.

Key parameters: no application fee, no transaction fees, 1% FX fee on international purchases, basic KYC required (ID and address verification, no credit check). Every purchase uses ZK proofs and UTXOs — your spending remains completely unlinkable to your wallet activity or other transactions, making Payy the only self-custodial Visa card with built-in balance and transaction privacy.

Payy rewards work through a spend-to-earn points system: every $1 spent earns 1 Payy Point, redeemable for ecosystem benefits. Physical card requires 100K points earned via spending or referrals — virtual card is available instantly upon approval. No traditional cashback percentage; the value proposition is privacy by design, not yield.

Available globally, including the United States, European Union, and CIS countries. Exact availability may vary — confirm eligibility at payy.network.