SecondFi Card
SecondFi · Visa
SecondFi Card is the first self-custodial card from SecondFi, EMURGO's non-custodial neofinance platform (EMURGO is a co-founding entity of Cardano, and SecondFi is the evolution of the Yoroi wallet), built on Wirex infrastructure (a Visa principal member) and announced in May 2026. It lets users spend at any Visa merchant while keeping funds in their own wallet until the moment of the transaction (on-chain settlement), with multi-chain support (ADA, BTC, ETH, USDC and other assets). Important: many of the card's economic parameters are not yet publicly documented: the issuance fee, annual fee, FX markup and cashback percentage (cashback is confirmed but the rate is undisclosed), as well as ATM limits and fees, have not been made public.
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 | Cardano, Bitcoin, Ethereum |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 4/10 |
| Supported countries | EEA, UK, APAC, LATAM · 130+ countries |
| Funding / solidity | SecondFi è la piattaforma neofinance self-custodial di EMURGO, entità co-fondatrice della blockchain Cardano, ed è l'evoluzione del wallet Yoroi. La carta è realizzata sull'infrastruttura di Wirex, membro principale Visa che opera in oltre 130 paesi. |
| Estimated net annual cost | €0/year |
| Segment | B2C |
| Funding / solidity | SecondFi is the self-custodial neofinance platform from EMURGO, a co-founding entity of the Cardano blockchain, and is the evolution of the Yoroi wallet. The card is built on the infrastructure of Wirex, a Visa principal member operating in over 130 countries. |
| MiCA / License status | Wirex (Visa principal member, card infrastructure provider) |
Strengths
- Self-custodial: funds stay in the user's wallet until payment, with on-chain settlement.
- Multi-chain (Cardano, Bitcoin, Ethereum, USDC and others) on the global Visa network, with virtual and physical cards.
- Backed by EMURGO (co-founder of Cardano) and Wirex infrastructure, a Visa principal member.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Economic parameters (issuance fee, annual fee, FX markup, cashback %) not yet officially disclosed.
- Not a bank nor a regulated EMI in its own right: it relies on Wirex infrastructure.
- Limited geographic availability and team not independently verified by third-party sources.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
SecondFi Card is self-custodial: funds stay in the user's wallet until payment, reducing the counterparty risk typical of custodial cards. However SecondFi is neither a bank nor a regulated EMI in its own right and relies on Wirex infrastructure; it requires full KYC and many economic parameters are still undisclosed.
Strong sovereignty stance for a card: the user keeps custody of assets (ADA, BTC, ETH, USDC and others) with on-chain settlement until the moment of spending. The weak point is mandatory full KYC and reliance on the centralized Visa/Wirex infrastructure.
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 SecondFi Card, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
-
Google Play ↗
3.0/5
4,849 reviews
Exact count from the page's JSON-LD structured data (ratingValue 3.04 — ratingCount 4,849), not the visible label. Identity confirmed: package com.emurgo, author EMURGO Fintech Inc. It covers the wallet app, not the card.
-
App Store ↗
3.6/5
582 reviews
Exact figure from Apple's primary endpoint (averageUserRating 3.5756 across 582 ratings, US storefront). It covers the wallet app — bundle com.emurgo.yoroi, developer EMURGO Co., Ltd, sellerUrl secondfi.io: the renamed Yoroi wallet — not the card. A multi-year historical average that includes reviews posted after June 2026.
Weighted average across 2 public review platforms (5,431 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is SecondFi Card custodial or self-custody?
SecondFi Card is a self-custodial card: funds stay in the user's wallet and are only debited at the moment of the transaction, with on-chain settlement. SecondFi is EMURGO's non-custodial neofinance platform; EMURGO is a co-founder of Cardano.
How much does SecondFi Card cost and what cashback does it offer?
As of verification (June 2026) SecondFi has not publicly disclosed the issuance fee, annual fee, FX markup or cashback percentage. Crypto cashback is confirmed but the rate has not been announced.
Sources
- prnewswire.com Paesi num · Supported currencies · Staking richiesto · Azienda info · +1 Data verified on Jul 13, 2026
- emurgo.io Azienda · Issuer · Azienda info · Supported currencies Data verified on Jun 23, 2026
- todey.xyz Regioni · Kyc · Virtual card · Fee non disclosed Data verified on Jun 22, 2026
- wirexapp.com Payment network · Custodial · On-chain settlement · Blockchain Data verified on Jun 22, 2026