# 1pay.cx

Category: cards · Virtual Cards
Grade: C
KYC: NO-KYC
Highlights: XMR, NO-KYC, NO-ACCOUNT, PREPAID-CARD, VCC
Features: xmr, no_kyc, prepaid_card, gift_cards
Web: https://1pay.cx
Last verified: 2026-09-04
Operating since: 2026 (0y) — Fresh domain, zero Wayback history (new). Not yet on kycnot/Monerica. XMR confirmed as a card-funding coin (/cards). Custodial on card-load. Grade C pending tenure + peer corroboration + a curator test-mint.

> No-KYC crypto card + payments platform — mint a prepaid Visa/Mastercard/PayPal funded with Monero (or ETH/USDT/USDC), no bank, no ID. Also accept card payments to your own wallet + buy gift cards. 2.9% base fee.

## Review

**A no-KYC crypto-card and payments platform with confirmed Monero support.** 1pay.cx does three things, most with no account: **mint a prepaid Visa/Mastercard/PayPal card funded with crypto** (no bank, no ID), **accept card payments** as a merchant that settle straight to your own USDC wallet (no KYB, no chargebacks, no rolling reserves), and buy **gift cards**. We verified on the card-funding flow that **XMR is an accepted funding coin** (alongside ETH/USDT/USDC), so it's genuinely in scope for Monero users. 2.9% base fee, 80+ countries.

**Custody & privacy.** The merchant-acceptance side is **non-custodial** — funds settle to your wallet. The **virtual-card leg is custodial-during-load**: you fund with XMR and they convert it to a card balance, so the operator briefly holds value while the card is issued. And the card itself spends on a **conventional card network** — private to *buy*, not anonymous to *spend* (standard for any crypto VCC).

**Why C.** It's genuinely no-KYC and XMR-funded, but the grade reflects that it's **new** (a fresh domain with no web-archive history), not yet carried by any peer directory, and custodial on the card-load path. It climbs on tenure, peer corroboration, and a clean curator test-mint.

Source: https://xmr.club/cards/1pay