IZIPAY vs Groundfloor

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

IZIPAY compared with Groundfloor
Detail	IZIPAY	Groundfloor
What it does	Spend USDT, Bitcoin & Ethereum anywhere with instant crypto cards, no KYC required	Private markets investing platform offering real estate loans, notes, and emerging alternative investments
Stage	Startup	Established
Founded	2024	2013
Based in	Not given	US
Pricing model	Paid	Freemium
Pricing	Virtual Card $49.99 one-time issuance; Mastercard Apple Pay $59.99 one-time issuance; Physical Metal Card $459.99 one-time issuance with worldwide shipping included. All cards have $0 monthly maintenance fees and 3% top-up fee for crypto conversion.	Notes: 5%-9.0% highest return, $100-$10,000 minimum investment; Loans: 10-18% target IRR, $10 minimum investment; 12 Mo Preferred Note: 8.5% fixed rate, $10,000 minimum investment; Groundfloor Bond Note: 9.5% fixed rate, $10,000 minimum investment; Music Royalties Portfolio: 7% annualized return (12
Key features	Instant virtual card issuance in 2-3 minutes Spend USDT, Bitcoin, Ethereum, BNB, Solana and other major cryptocurrencies No KYC verification required for basic usage Zero monthly maintenance fees Works in 150+ countries worldwide Flat 3% crypto-to-fiat conversion fee Real-time crypto to fiat conversion at checkout Supported on TRC20, ERC20, BEP20, and Solana networks	Individual real estate loan selection with 10-18% target IRR Auto Finance Portfolio with 13.6% target net IRR for accredited investors Music Royalties Portfolio offering 7% fixed annualized return Pre-IPO Stock Finance Portfolio with 15-18% target net IRR Portfolio tracking and real-time performance monitoring Automated monthly interest payments to investors Mobile app for browsing and managing investments on the go
What makes it different	No KYC verification needed - only email required to register and get a card instantly Lowest fees in the industry with transparent pricing and no hidden charges Full MiCA compliance and licensed banking partners ensure security Spend crypto at millions of global merchants without bank account Instant card issuance with no waiting period or complex verification	100% repayment track record on real estate-backed notes since platform inception First company qualified by SEC under Regulation A+ to open private real estate investing to non-accredited investors Over 13 years of operating history managing real estate investments since 2013 Direct origination and underwriting rather than marketplace model Verified residential collateral and first- or second-lien security on every loan
Free plan	Not given	Not given
Open source	Not given	Not given
Platforms	Not given	Not given
Public API	Not given	Not given
Community votes	0	0
DR (Domain Rating by Ahrefs)	30 +1 (up) since last check	49 +1 (up) since last check
Trust Flow (Majestic)	25	19
Citation Flow (Majestic)	37	32
Referring domains (Majestic)	249	595

7 details filled in for both companies.

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