Morse Card
Morse · Visa
Morse Card (formerly Sling Money) is a virtual Visa card linked to a self-custody Solana wallet, with 0% FX markup and the real-time Visa exchange rate. Morse is registered as an MSB in the US (NMLS #2639252), as a MiCA CASP via the AFM in the Netherlands (#41000005) and with the FCA in the UK. The transfers app covers 150+ countries; the Visa card, currently virtual-only (Apple/Google Pay), is expanding (targeting ~100 countries by end of 2026) and offers no cashback. A 0.1% fee applies to global deposits. The card's issuance and annual fees are not publicly documented.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| 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 | Solana |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 7/10 |
| Supported countries | US, EEA, UK, LATAM · 150+ countries |
| Funding / solidity | Morse (ex Sling Money) è una fintech crypto privata di stablecoin payments con sede negli USA, costruita su rail Solana e integrazione Bridge. L'app offre wallet self-custody, trasferimenti P2P in oltre 150 paesi e 40+ valute, e una carta Visa virtuale. |
| Estimated net annual cost | €0/year |
| Regulator | FinCEN (US), AFM (NL), FCA (UK) |
| Segment | B2C |
| Funding / solidity | Morse (formerly Sling Money) is a private crypto stablecoin-payments fintech based in the US, built on Solana rails with Bridge integration. The app offers a self-custody wallet, P2P transfers across 150+ countries and 40+ currencies, and a virtual Visa card. |
| MiCA / License status | FinCEN MSB (NMLS ID #2639252)MiCA CASP via AFM Netherlands (#41000005)UK FCA registration Registered as a Money Services Business with FinCEN (NMLS ID #2639252), as a MiCA CASP via the AFM in the Netherlands (#41000005) and with the FCA in the UK. ISO 27001 certified. |
Strengths
- Self-custody Solana wallet: the user keeps control of funds.
- 0% FX markup with real-time Visa exchange rate.
- Triple regulatory coverage (US MSB, MiCA AFM, UK FCA) and 150+ countries.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Virtual-only card, no physical card at this time.
- No cashback.
- Solana-stablecoin focused; issuance/annual fees not documented.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Registered as a Money Services Business with FinCEN (NMLS ID #2639252), as a MiCA CASP via the AFM in the Netherlands (#41000005) and with the FCA in the UK. ISO 27001 certified.): reporting to authorities and freezes on order.
Verdict
Fragmented protection across jurisdictions: Morse is registered as an MSB with FinCEN (US), as a MiCA CASP via the AFM in the Netherlands and with the FCA in the UK. Coverage is broad but there is no banking license, and the card remains virtual-only and available in few countries.
High sovereignty score: the wallet is genuinely self-custody on Solana, the user keeps control of the keys and Morse states it cannot touch the funds. Full KYC remains a necessary trade-off for issuing the Visa 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 Morse 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
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App Store ↗
4.6/5
525 reviews
US App Store. Morse is the rebrand of Sling Money (Avian Labs): the rating covers the whole app, not the card alone. No Trustpilot profile found.
Weighted average across 1 public review platform (525 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Morse Card custodial or self-custody?
Morse Card is linked to a self-custody wallet: funds stay under the user's control and Morse states it cannot touch them. Settlement happens on-chain on Solana.
How much does Morse Card cost?
The FX markup is 0% (real-time Visa exchange rate). Issuance and annual fees are not publicly documented on the official fees page.
Sources
- Official service page Azienda · Custodial · Payment network · Regulatory framework · +4 Data verified on Jul 10, 2026
- support.morsemoney.com Payment network · Virtual card · Fx markup · Paesi num · +3 Data verified on Jun 23, 2026
- todey.xyz Blockchain · On-chain settlement · Cashback · Kyc · +1 Data verified on Jun 22, 2026