What You Get
Every Feature
You Need
Built from the ground up for privacy, simplicity, and genuine utility. No bloat, no compromises.
Core Features
The Full Picture
Instant Issuance
Card details are generated the moment you pay the $15 issue fee. No shipping, no production time, no delays. Your card number, expiry, and CVV are ready within seconds.
Delivery in seconds
Zero KYC
Create your account with email only. No passport scans, no selfies, no proof of address, no government ID. Cardtoshi never asks for your identity — and never will.
Email only signup
3DS Secure
Full 3D Secure authentication built-in. This means your card works on PayPal, Wise, Stripe, and any checkout that requires 3DS — unlike many crypto cards that get silently declined.
Works everywhere 3DS is required
Instant Reloads
Top up your card balance at any time with a flat 3% fee. Funds appear on your card immediately. No waiting periods, no batch processing, no delays.
Loads in real time
20+ Cryptos Accepted
Fund your account with BTC, ETH, SOL, XMR, USDT, USDC, BNB, AVAX, DOGE, LTC, DASH, BCH, DAI, POL, SHIB, TRX, TON, HMSTR, VERSE, CGPT, and more.
Including Monero for max privacy
Up to 3 Cards
Create up to 3 virtual Mastercards per account. Use separate cards for different purposes — one for subscriptions, one for shopping, one as a backup. Each card has its own $5K monthly limit.
3 cards max per account
No Hidden Fees
$15 to issue. 3% to reload. That is it. No monthly maintenance fee, no FX markup, no inactivity fee, no statement fee, no currency conversion surcharge. What you see is what you pay.
Truly transparent pricing
40M+ Merchants
Accepted at any online merchant that takes Mastercard. Use it for e-commerce, streaming, SaaS subscriptions, travel booking, cloud services, freelance platforms, and more.
Global online acceptance
Monero Support
Deposit with Monero (XMR) for completely untraceable on-chain transactions. Combined with our no-KYC policy, XMR deposits provide end-to-end financial privacy from wallet to checkout.
Maximum privacy path
Comparison
Cardtoshi vs The Rest
See how Cardtoshi stacks up against traditional crypto cards and competitors.
Feature
Cardtoshi
Crypto.com
Coinbase
KYC Required
None ✓
Full KYC ✗
Full KYC ✗
Card Type
Virtual
Physical
Physical
Instant Card Delivery
Yes ✓
7–14 days ✗
7–14 days ✗
3DS Secure
Yes ✓
Yes ✓
Yes ✓
Monthly Fee
$0 Free ✓
$0–$18
$0 ✓
Issue / Card Fee
$15 ✓
Free (KYC req) ✗
Free (KYC req) ✗
Works with PayPal / Wise
Yes ✓
Yes ✓
Yes ✓
Monero (XMR) Deposits
Yes ✓
No ✗
No ✗
Cryptos Supported
20+ ✓
250+
100+
Ready to try
Cardtoshi?
Get your virtual Mastercard for $15 — no KYC, instant delivery.