# 2Fiat

Category: cards · Virtual Cards
Grade: C
KYC: NO-KYC
Highlights: XMR, NO-ACCOUNT, MASTERCARD, CUSTODIAL, NO-WITHDRAWALS
Features: xmr, no_kyc
Fees: Card $40–70 incl. starting balance; top-up ~6.5–6.8% on some cards; per-transaction, 3-DS and decline fees; refund $10
Web: https://2fiat.com
Contact: Email: support@2fiat.com · X: https://x.com/2fiat_com
Last verified: 2026-10-17
Operating since: 2024-12 (2y) — Domain registered 2024-12-04 (Namecheap); Wayback from 2024-12-05, regular captures since 2025-07.
Also listed at: Monerica, KYCnot.me

> No-account virtual prepaid Mastercards you can pay for in XMR. Balances can't be withdrawn back to crypto, fees stack up, and there are no published terms.

## Review

**No-account virtual Mastercards, paid for in Monero.** 2Fiat sells virtual prepaid Mastercards (no physical card) without an account: checkout runs as an anonymous session, and you can pay with XMR, Bitcoin, Lightning or other coins. Card prices start around $40–70 and include a starting balance; you can load from $10 to $10,000. Some cards work with Apple Pay and Google Pay (adding one asks for an email). ATM and in-store PIN payments aren't supported.

**What to know before you load money.** It's custodial: the balance sits with 2Fiat and an issuer it doesn't name, and **withdrawals back to crypto aren't supported**. A refund is possible through support for a $10 fee. Fees add up: a top-up percentage of around 6.5–6.8% on some cards, plus per-transaction, 3-D Secure and decline fees, and users report fees higher than advertised. The site has **no terms or privacy page**, so there's no written no-KYC promise and no stated policy on freezes; its only written risk note is that a card "may be frozen or blocked."

**Why C.** It works and it's genuinely account-free, but 2026 has been rough: user reports on kycnot.me describe a lost card provider, an outage it called a security incident, frozen cards and funds stuck without a way to withdraw. Some users were made whole. Load only what you plan to spend soon.

Source: https://xmr.club/cards/2fiat