# Tag: custodial

> 23 providers across 5 categories carry the custodial tag. Markdown twin of https://xmr.club/tag/custodial.

## Definition

Provider holds user funds at some point during the flow (escrow, partner-routed CEX leg, intermediate balance). Use is contractually time-bounded but funds are temporarily under operator control.

## Providers

### /cards (8)

- [B] **Bybit Card** — https://xmr.club/cards/bybit-card · Last verified 2026-05-17
  - CEX-funded Mastercard prepaid — Beta tier ($500/mo) easy to maintain: ~$50/mo cap on USDT cashback + 100% on ChatGPT/Netflix/Spotify/Prime/TradingView (may share the cap). Heavy KYC.
- [B] **Goblin Physical MasterCard** — https://xmr.club/cards/goblin-physical · Last verified 2026-05-11
  - Physical no-KYC MasterCard, mailed worldwide. High issuing tier.
- [B] **kyc.rip Cards** — https://xmr.club/cards/kyc-rip-cards · Last verified 2026-05-13
  - Prepaid card + gift-card aggregator. Routes orders across upstream issuers; wallet-funded checkout in XMR / BTC / USDT.
- [B] **Trocador Prepaid** — https://xmr.club/cards/trocador-prepaid · Last verified 2026-05-11
  - Trocador's prepaid-card aggregator — multiple issuers behind one purchase flow.
- [B] **XMRVCC** — https://xmr.club/cards/xmrvcc · Last verified 2026-06-07
  - Disposable virtual credit card — crypto checkout (BTC/XMR/LN), no KYC, no account, manual delivery.
- [C] **Crypto.com Visa** — https://xmr.club/cards/crypto-com-visa · Last verified 2026-05-13
  - Staked-CRO tier system with cashback up to 5%. Heavy KYC.
- [C] **MoonPay Prepaid** — https://xmr.club/cards/moonpay-prepaid · Last verified 2026-05-11
  - Mainstream-issued prepaid card. KYC required, broad acceptance.
- [C] **Wirex Visa** — https://xmr.club/cards/wirex · Last verified 2026-05-11
  - Crypto-funded Visa with cashback rewards. KYC required, regulated issuer.

### /exchanges (5)

- [B] **Coinos** — https://xmr.club/exchanges/coinos · Last verified 2026-05-13
  - No-KYC Lightning wallet + custodial swap service. Lightning ↔ on-chain ↔ liquid.
- [C] **IronSwaps** — https://xmr.club/exchanges/ironswaps · Last verified 2026-07-27
  - No-account instant swap across 50+ coins including XMR — public swap tracker by tx ID, full legal-page footer, kycnot Community-Contributed listing with no warnings. Zero Wayback footprint.
- [C] **SplitNOW** — https://xmr.club/exchanges/splitnow · Last verified 2026-05-23
  - Aggregator that routes XMR through CEX partners (Bybit, WhiteBIT, Gate) to USDT splits across up to 100 destination wallets. Web3-wallet signin, no Web2 KYC. Hidden spread above the user-visible quote.
- [C] **uSwap** — https://xmr.club/exchanges/uswap · Last verified 2026-08-12
  - No-account instant swap across 30+ chains. Custodial routing with refund-to-sender. Real product tenure ~3.5 months on a domain-aftermarket rebrand.
- [C-] **Changelly** — https://xmr.club/exchanges/changelly · Last verified 2026-08-21
  - Custodial instant swap since 2015 — 300+ assets including XMR, no account for crypto-to-crypto swaps. Reader caveat: its AML policy lets it put flagged transactions on hold and demand ID after your deposit lands (shotgun-KYC).

### /merchants (4)

- [B] **Bitrefill Gift Cards** — https://xmr.club/merchants/bitrefill-giftcards · Last verified 2026-08-26
  - Largest crypto-funded gift-card marketplace — Amazon, Uber, eSIMs, mobile top-ups.
- [B] **Travala** — https://xmr.club/merchants/travala · Last verified 2026-08-26
  - The established crypto travel platform — 2M+ hotels, flights and activities, 100+ cryptos including direct XMR, since 2017. Same honest caveat as any travel booking: XMR is payment privacy only; airlines and hotels still need your real ID.
- [B] **Trocador Gift Cards** — https://xmr.club/merchants/trocador-giftcards · Last verified 2026-05-11
  - Crypto-funded retailer gift cards — Amazon, Steam, Walmart, hundreds more.
- [C] **CardsRelay** — https://xmr.club/merchants/cardsrelay · Last verified 2026-08-26
  - Privacy-coin gift-card store — 1,600+ cards (Amazon, Steam, top-ups) paid in XMR, ZEC, Zano or USDT, no account, instant email delivery. New (~6 weeks live) and, ironically, loads Google trackers.

### /wagering (4)

- [C] **Arcadex** — https://xmr.club/wagering/arcadex · Last verified 2026-07-27
  - Anonymous no-account XMR-only casino with five in-house games (Runner, Dice, BlackJack, Keno, Crash). Per-browser Monero subaddress deposit. Custodial house-banked; provably-fair page 404s despite nav link — verify before depositing.
- [C] **Dexsport** — https://xmr.club/wagering/dexsport · Last verified 2026-08-27
  - Web3 crypto sportsbook + casino since 2021, No-KYC, accepts XMR (+38 coins). Read first: documented cancelled-winnings / account-freeze / withdrawal complaints + casino.guru Safety Index 4.4 (Low). Provably-fair contracts ≠ guaranteed payout.
- [C] **xmr.win** — https://xmr.club/wagering/xmr-win · Last verified 2026-05-31
  - Monero-denominated prediction market — peer orderbook, zero-KYC, MCP-first (agents are first-class users).
- [B-] **Monero Slots** — https://xmr.club/wagering/xmrslots · Last verified 2026-06-07
  - Provably-fair Monero slots + roulette — wallet-as-identity, transparent house edge (2.65%); brand-new, fairness algorithm unread by audit.

### /wallets (2)

- [A] **Fedimint** — https://xmr.club/wallets/fedimint · Last verified 2026-05-13
  - Federated Chaumian e-cash. Trust split across a federation instead of a single mint operator.
- [B] **Cashu** — https://xmr.club/wallets/cashu · Last verified 2026-05-13
  - Chaumian eCash on Bitcoin. Blinded signatures = zero-knowledge balance for the mint. Settled on Lightning.

## Related

- https://xmr.club/tag/custodial — HTML version with filter chips + tag definitions
- https://xmr.club/tags — full cross-category tag index
- https://xmr.club/glossary — Schema.org DefinedTermSet for every tag
- https://xmr.club/methodology — how each grade is decided

## License

CC-BY-4.0. Attribute "xmr.club".