Spend USDT, Bitcoin & Ethereum anywhere with instant crypto cards, no KYC required
Private lending software that drafts promissory notes, computes schedules, tracks payments, and keeps both parties on one ledger
Stage
Startup
Startup
Founded
2024
2026
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.
Free plan: $0, up to 2 open loans. Standard plan: $12 per month or $120 per year, unlimited open loans.
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
Promissory note generation from loan terms
Amortization schedule computation
Payment confirmation by both parties
E-signature with document hashing
Payment reminders before due dates
Bank debit collection on Standard plan
Loan modification and forgiveness agreements
Write-off record for unpaid loans
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
Append-only, hash-chained ledger that cannot be secretly altered
Never holds funds or acts as a financial institution
Legally-structured promissory notes with all required terms
IZIPAY
NoteHouse