Kripicard

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Kripicard scores 5 of 16 on the CBL Card Score. Kripicard, Visa or Mastercard. Custodial; unnamed bank holds the fiat balance. Issuer not disclosed; Brazil-based operator.

CBL Card Score: 5 of 16

Criterion	Points	What we found	Source
Custody	0 of 2	Custodial. Crypto is converted by "a licensed crypto-to-fiat partner" and "the resulting fiat balance is held with the issuing bank", which Kripicard says is "not on Kripicard's balance sheet" (official, is-kripicard-safe page, checked 20 Oct 2026). The terms say Kripicard "does not itself hold customer fiat deposits" and that custody sits with "independent, regulated third-party partners" (official, terms, effective 13 Jun 2026). Neither the bank nor the conversion partner is named, and no segregation or safeguarding statement from a named custodian was found.	official checked 20 October 2026
Issuer and licence	0 of 2	Not disclosed. The terms refer only to unnamed "Banking Partners" including "issuing banks", card networks, acquirers and BaaS providers (official, terms, effective 13 Jun 2026). The safety page refers to "a licensed issuing bank" without naming it (official). A third-party review confirms "Multiple independent regulated partners; not publicly named in current terms" (third-party: CryptoCardHub, 11 Aug 2026).	official checked 20 October 2026
Availability	0 of 2	The supported countries page lists no individual countries. It labels Europe as "Supported", Latin America as "Strong coverage", names Brazil as a core market, and says "Sanctioned jurisdictions are not supported" and "Account eligibility depends on your country and our partners" (official, kripicard-supported-countries page, checked 20 Oct 2026). The UK, the UAE and Saudi Arabia are not mentioned. The US is shown as restricted in a third-party review that counts 182 available and 11 restricted countries (third-party: CryptoCardHub, 11 Aug 2026). The cards are virtual only and billed in USD (official, fees page).	official checked 20 October 2026
FX fee on a foreign-currency purchase	2 of 2	"FX fee 0.00%" on the published fee schedule and "No FX markup" on the home page (official, home.kripicard.com/fees, checked 20 Oct 2026). All cards are billed in USD, so a European cardholder paying in euros is converted by the card network. The fee page adds "Fees may vary depending on funding method or exchange rate" (official). Scored at 0% on the company's statement that it adds no markup.	official checked 20 October 2026
Funding cost	0 of 2	Kripicard Premium, the only tier on the fee page: $5 issuance fee, $1 processing fee, 4% funding fee on every top-up, $0 monthly fee, 0.00% authorisation fee (official, home.kripicard.com/fees, checked 20 Oct 2026). Minimum $10 to create a card, loaded as balance; later top-ups from $1 (official). Top-ups are in USDT, with Solana and TRC-20 described as cheaper deposit routes than ERC-20 (official, kripicard-fees-explained page). No physical card. No inactivity fee published. A legacy Gold tier at $3 issuance and $1.50 a month is reported but no longer sold (third-party: CryptoCardHub, 11 Aug 2026).	official checked 20 October 2026
Apple Pay and Google Pay	2 of 2	"Tokenize for Apple Pay, Google Pay & Samsung Pay" on the home page (official, checked 20 Oct 2026). The FAQ asks the question but the answer did not render in this check.	official checked 20 October 2026
Freeze and dispute policy	1 of 2	Terms state "All disputes related to unauthorized charges must be reported within 10 days of occurrence" and that transactions "are generally non-refundable once authorized", with technical errors sent to manual review (official, terms, effective 13 Jun 2026). No response time or complaints timeline is published. Support runs through dashboard tickets or email. Bank-imposed freezes are covered under a "Third-Party Banking Partners & Frozen Funds" clause, and Kripicard says it "is not liable for bank-imposed freezes" (official, is-kripicard-safe page).	official checked 20 October 2026
Yield on idle balance	0 of 2	None. The home page states "No staking" and no interest or yield product is published (official, checked 20 Oct 2026).	official checked 20 October 2026

Total 5 of 16. Official means the company's own site, terms or help centre. Third-party means a named review site with its own check date; a third-party fact is reported, not verified, and the score stands until an official source confirms or contradicts it.

Score history

20 October 2026

5 of 16

First score

Standing

Company	Kripicard is operated by Uweb3 Management BR, with a headquarters address at Rua Visconde de Pirajá 414, Ipanema, Rio de Janeiro, Brazil, and a "Kripicard USA" address at 8 The Green, STE R, Dover, Delaware (official, home.kripicard.com terms and safety pages, checked 20 Oct 2026). No company registration number, licence or regulator is published. The site states that Kripicard "is not a bank, financial institution, Visa, Mastercard, or payment network" and that "virtual cards are issued by licensed partners in their respective jurisdictions" (official, site footer). The official site is home.kripicard.com, confirmed by the Kripicard press release in TechBullion (third-party: TechBullion, 11 Feb 2026) and by the site's own terms naming Uweb3 Management BR.
Network	Visa or Mastercard, chosen per card (official, home.kripicard.com). official
Rails	Kripicard says it is not a bank and that unnamed licensed partners issue the cards and hold the fiat balance after an unnamed partner converts USDT to fiat (official). The operator is Uweb3 Management BR under Brazilian law, with disputes heard in Rio de Janeiro (official, terms).
Website	home.kripicard.com
Health tag	Unknown No issuing bank, BIN sponsor, licence or regulator is named anywhere on the site, and the operating company Uweb3 Management BR publishes no registration number, so the entity holding cardholder balances cannot be identified (official, terms and safety pages).
Last checked	20 October 2026

When it goes wrong

Terms state "All disputes related to unauthorized charges must be reported within 10 days of occurrence" and that transactions "are generally non-refundable once authorized", with technical errors sent to manual review (official, terms, effective 13 Jun 2026). No response time or complaints timeline is published. Support runs through dashboard tickets or email. Bank-imposed freezes are covered under a "Third-Party Banking Partners & Frozen Funds" clause, and Kripicard says it "is not liable for bank-imposed freezes" (official, is-kripicard-safe page).

The dispute route, in order: the company's own support desk, then the card network's chargeback rules, then the regulator of the issuer where one is named. No issuer is disclosed here, so the third step has nowhere to go yet. A frozen card is a question, not a verdict: the Frozen Account Survival Kit applies to cards too.

Costs

FX	"FX fee 0.00%" on the published fee schedule and "No FX markup" on the home page (official, home.kripicard.com/fees, checked 20 Oct 2026). All cards are billed in USD, so a European cardholder paying in euros is converted by the card network. The fee page adds "Fees may vary depending on funding method or exchange rate" (official). Scored at 0% on the company's statement that it adds no markup. official
Funding	Kripicard Premium, the only tier on the fee page: $5 issuance fee, $1 processing fee, 4% funding fee on every top-up, $0 monthly fee, 0.00% authorisation fee (official, home.kripicard.com/fees, checked 20 Oct 2026). Minimum $10 to create a card, loaded as balance; later top-ups from $1 (official). Top-ups are in USDT, with Solana and TRC-20 described as cheaper deposit routes than ERC-20 (official, kripicard-fees-explained page). No physical card. No inactivity fee published. A legacy Gold tier at $3 issuance and $1.50 a month is reported but no longer sold (third-party: CryptoCardHub, 11 Aug 2026). official
ATM	Not available; cards are virtual only. No ATM fee is published (official, checked 20 Oct 2026).
Tiers	Kripicard Premium, $5 issuance plus $1 processing, 4% funding (official, fees page). Issuance is "negotiable based on volume or monthly issuance" for business users (official).

Cashback, as of 20 Oct 2026

None published (official, checked 20 Oct 2026). The $KRIPI utility token on Solana is described as giving possible fee discounts, with no rates stated (official, home page; third-party: TechBullion, 11 Feb 2026).

Cashback is a dated fact, not part of the Card Score. Promo rates change too often to score.

Availability

The supported countries page lists no individual countries. It labels Europe as "Supported", Latin America as "Strong coverage", names Brazil as a core market, and says "Sanctioned jurisdictions are not supported" and "Account eligibility depends on your country and our partners" (official, kripicard-supported-countries page, checked 20 Oct 2026). The UK, the UAE and Saudi Arabia are not mentioned. The US is shown as restricted in a third-party review that counts 182 available and 11 restricted countries (third-party: CryptoCardHub, 11 Aug 2026). The cards are virtual only and billed in USD (official, fees page). official

Identity checks: The safety page says "All users complete identity verification through our processors" and the terms require users to be 18 or over and to provide KYC or source-of-funds documents when a banking partner asks (official, is-kripicard-safe and terms). Marketing copy says "No credit check" and "No bank account". The FAQ question on KYC had no answer in this check. Document requirements not found.

What we still need confirmed

Facts marked official come from Kripicard's own pages or terms. Facts marked third-party are reported by a named review site and count as reported, not verified. These items are open for the next Monday sweep:

• The issuing bank or BIN sponsor for European cards, with its licence. Rescore issuer to 2 if a licensed bank or EMI is named, and custody to 1 if that custodian states segregation. open
• Whether UK residents can sign up. Rescore availability to 1 if the UK is served alongside the EU. open
• Whether any Gulf country is served. Rescore availability to 2 if the UK and the UAE or Saudi Arabia are both served. open
• Whether a network conversion markup is applied on non-USD purchases beyond the scheme rate. Rescore fx to 1 or 0 if a markup is found. open
• Response time on disputes. Rescore freeze to 2 if one is published. open

See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.

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