Sana Card
Sana · Visa
Sana Card is a crypto-backed (secured) Visa Signature card linked to a self-custody wallet on the Solana network, part of the Sana project ("self-custody neobank 2.0" / Sana onchain money). It is not direct stablecoin spending: it is a spending line secured by crypto collateral (a "secured Account" with a security interest in the collateral), which remains owned and self-custodied by the user in their own wallet on the Solana blockchain. You spend by charging the line and are responsible for payment in full of all charges and fees (a charge card, not revolving; cash advances and balance transfers are not available). The terms state an APR on purchases currently at 0% (which the issuer reserves the right to change) and a late fee of up to $40. Full KYC required, no issuance fee, and an FX markup of up to 6% (FX up to 3% + cross-border up to 3%). A $SANA Rewards program exists but the cashback percentage is not publicly documented. Available in the EU, UK and Latin America; virtual and physical cards available. The maximum collateral LTV, ATM fees and limits are not publicly documented.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Card type | Charge |
| Backing | Crypto-secured |
| APR | 0% |
| Crypto collateral | USDC, SOL |
| Issuing bank | Third National |
| Issuance fee | Free |
| Annual fee | Free |
| ATM withdrawal | not declared |
| FX markup | 6% |
| Cashback | Not disclosed |
| Chains | Solana |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 5/10 |
| Supported countries | EEA, UK, LATAM |
| Funding / solidity | Sana ("Sana onchain money") e sviluppata da Sanafi Labs LLC, presentata come self-custody neobank su Solana e costruita da un team con esperienza in Coinbase, Kyberswap e Astratech. La carta Visa Signature e emessa dalla banca statunitense Third National su licenza Visa, con Rain e Circle (USDC) tra i partner infrastrutturali. |
| Estimated net annual cost | €0/year |
| Segment | B2C |
| Funding / solidity | Sana ("Sana onchain money") is developed by Sanafi Labs LLC, presented as a self-custody neobank on Solana and built by a team with experience from Coinbase, Kyberswap and Astratech. The Visa Signature card is issued by US bank Third National under Visa license, with Rain and Circle (USDC) among the infrastructure partners. |
| MiCA / License status | Issued by Third National (US bank) under license from Visa; Sanafi Labs LLC is the non-bank technology provider (in Nigeria marketed by Banex Microfinance Bank) |
Strengths
- Self-custody: assets stay owned and custodied by the user on the Solana network
- Visa Signature card with virtual and physical card to pay globally with a line secured by self-custodied collateral
- Zero-fee token swapping on Solana built into the app
- No notable sovereignty advantage documented.
Weaknesses
- High FX markup, up to 6% (FX up to 3% + cross-border up to 3%)
- $SANA Rewards mechanics and percentage not publicly documented
- Team not publicly verified and consumer protections limited to the Visa scheme
- Traditional credit card: not self-custody — the account requires full KYC, a credit check, and can be closed or reported to credit bureaus by the issuer.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Crypto-backed Visa Signature card linked to a non-custodial wallet on Solana: the collateral stays self-custodied by the user. It is not direct stablecoin spending but a secured line (a secured Account): you spend by charging the line, with payment in full each cycle. The terms include an APR framework (purchases currently 0%, which the issuer reserves the right to change) and a late fee of up to $40, typical of a credit product. The issuer is US bank Third National under Visa license (Sanafi Labs LLC is the non-bank technology provider), but there are no crypto-consumer protections beyond the Visa scheme. Perceived protection medium-low.
Strong self-custody footprint: keys and stablecoins (USDC) stay on the Solana network under the user's control, used as collateral for the spending line. Good sovereignty profile, reduced by full KYC and high FX markup.
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 Sana 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 Sana Card custodial?
No. It is a crypto-backed, non-custodial card: assets, including stablecoins like USDC, remain owned and self-custodied by the user in a self-custody wallet on the Solana network and act as collateral. You do not spend the stablecoins directly: you spend a line secured by that collateral (a secured Account) that you pay off in full.
Which network and card scheme does Sana Card use?
Sana Card runs on the Solana blockchain and is issued on the Visa scheme (Visa Signature), letting users pay, via a line secured by crypto collateral, wherever Visa is accepted.
Sources
- Official service page Custodial · Payment network · Blockchain · Azienda · +16 Data verified on Jul 11, 2026
- raise.sana.company Custodial · Payment network · Blockchain · Azienda info Data verified on Jul 11, 2026
- apps.apple.com Legal name · Azienda info · Supported currencies · Virtual card Data verified on Jun 23, 2026
- sana.company Azienda · Payment network · Custodial · On-chain settlement · +2 Data verified on Jun 23, 2026
Show 1 more source
- todey.xyz Kyc · FX markup · Regioni · Cashback · +1 Data verified on Jun 22, 2026