Machines Card Hobby
A plan byMachines Card · Visa/Mastercard
Machines (Machines Cash) is a non-custodial crypto card that lets you create unlimited, scoped, disposable virtual cards linked to your own wallet ('We never hold your keys'). It supports BTC, Monero, Zcash, SOL, Tron, USDT, USDC, ETH and EVM assets, runs on the Visa/Mastercard network, and works via Apple Wallet or Google Pay. Virtual cards only, no cashback, free issuance (Hobby plan at 0 dollars per month with 3 virtual cards). KYC is required, but Machines does not store the KYC data itself (verification is routed to third-party providers). The wallet → alias account → virtual account → card flow separates on-chain identity from spending. As of 2026-07 the service is active (no shutdown notice on the site) and available exclusively in the United States, with expansion to other regions announced. The licensing country is not publicly documented (US shown conservatively) and no licenses are documented; the annual fee and FX markup are not disclosed.
Hobby
- Price
- $0
- Virtual cards
- 3
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa/Mastercard |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| ATM withdrawal | not declared |
| FX markup | 0% |
| Cashback | Not disclosed |
| Chains | Bitcoin, Ethereum, Solana, Tron, Monero, Zcash |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 6/10 |
| Supported countries | US |
| Estimated net annual cost | €0/year |
| Segment | B2C |
| MiCA / License status | Not disclosed |
Strengths
- Non-custodial architecture: keys stay with the user, the app does not replace your wallet
- Unlimited, scoped, disposable virtual cards with free issuance (Hobby plan at 0 dollars/month)
- Broad asset support including privacy options (Monero, Zcash) plus BTC, ETH, SOL, Tron and EVM
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Available only in the United States; licensing country undisclosed
- No cashback and virtual cards only (no physical card)
- Annual fee and FX markup are not publicly disclosed
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Non-custodial, virtual-card-only product with free issuance: no documented recurring cost and no funds entrusted to a third party, so direct financial risk is limited. However KYC is full (data delegated to third-party providers), the licensing country and any regulator are not publicly disclosed, and availability is limited to the United States: informational and regulatory-transparency protection are still weak.
Strong cypherpunk design: keys always with the user ('We never hold your keys'), disposable cards that mask wallet history, support for Monero and Zcash, and separation between on-chain identity and spending. Real sovereignty is nonetheless capped by mandatory full KYC and the lack of a physical card.
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 Machines 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
FAQ
Is Machines custodial or non-custodial?
It is non-custodial: the official site states 'We never hold your keys. We do not replace your wallet', so keys stay under the user's control.
Does Machines offer physical cards and cashback?
No. Machines issues virtual cards only (usable via Apple Wallet or Google Pay) and offers no cashback; issuance is free with a Hobby plan at 0 dollars per month.
Sources
- Official service page Custodial · Payment network · Blockchain · Virtual card · +2 Data verified on Jul 11, 2026
- todey.xyz Categoria · Cashback · Paese licenza Data verified on Jun 22, 2026