Decaf Card
Decaf · Visa
Decaf Card is a self-custody Visa card linked to the non-custodial Decaf wallet on Solana, built to spend stablecoins (USDC/USDT) anywhere. The virtual card costs about USD 5 to issue (physical about USD 10 in the US), with no annual fee, no FX markup (it uses the Visa exchange rate) and no cashback. Fee figures are documented in USD, not in euros. It requires KYC and is available in the US, EU, UK and Latin America, with exclusions in several US states.
Data & conditions
| Network | Visa |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | €5 |
| Annual fee | Free |
| Free ATM limit | $250 per transazione, 3 volte al giorno (carta fisica) |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | Not disclosed |
| Chains | Solana |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 5/10 |
| Supported countries | US, EEA, UK, LATAM · 150+ countries |
| Estimated net annual cost | €0/year |
| Segment | B2C |
| MiCA / License status | modello self-custody; Decaf, Inc. dichiara di non detenere i fondi degli utenti e di non fornire copertura FDIC; servizi di pagamento e prodotti carta forniti in partnership con istituzioni licenziate nelle rispettive giurisdizioni, non divulgate |
Strengths
- Self-custody: funds stay in the Decaf wallet on Solana and you control the keys.
- 0% FX markup (Visa rate) and no annual fee.
- Virtual and physical card with free on/off-ramp and MoneyGram cash-out in 180+ countries.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- No cashback on spending.
- Low ATM limits on the physical card ($250 per transaction, 3 times daily) and no ATM access on the virtual card.
- No own financial regulator declared; card issued via undisclosed partners.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Limited protection: self-custody model with no FDIC coverage and no own financial regulator declared; funds stay in your wallet, but card issuance relies on undisclosed partners.
Good sovereignty: funds stay self-custody in the Decaf wallet on Solana and you keep control of the keys, but mandatory full KYC reduces privacy.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Decaf Card, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
-
Google Play ↗
4.5/5
525 reviews
Values from the Play page structured data (package so.decaf.wallet, US storefront): ratingValue 4.4658 over a ratingCount of 525. The score covers the wallet app, not the Visa card alone.
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App Store ↗
4.5/5
101 reviews
Exact figure from the iTunes Lookup API (app "Decaf Wallet", bundle so.decaf.wallet, developer Decaf Inc., US store): 4.50495 across 101 ratings. The score covers the whole wallet app, not the Visa card alone.
Weighted average across 2 public review platforms (626 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Decaf Card custodial or self-custody?
Decaf Card uses a self-custody model: funds stay in your Decaf wallet on Solana and you keep control of your private keys. Decaf, Inc. states it does not hold user funds.
How much does Decaf Card cost?
Virtual card issuance is about USD 5 (physical about USD 10 in the US), with no annual fee. There is no FX markup (it uses the Visa rate) and no cashback. Figures are documented in USD.
Sources
- Official service page Custodial · Payment network · Regioni · Issuer · +2 Data verified on Jun 23, 2026
- partners.circle.com Data verified on Jul 11, 2026
- mastercard.com Custodial · Blockchain Data verified on Jun 22, 2026
- todey.xyz Card issuance fee · Annual card fee · FX markup · Cashback · +4 Data verified on Jun 22, 2026