Virtual prepaid Visa cards bought with Bitcoin, Lightning or stablecoins
Privacy 5.7
Safety 4.7
Crypto Cards Reviewed 22 Oct 2026
2Fiat review
Reloadable virtual prepaid Mastercard cards bought and topped up with crypto
- Accepts Monero
- Holds your funds
- Nobody accountable
No ID mentioned KYC 1 Documentation reviewed
Privacy
6.1/ 10
Fair
Safety
3.8/ 10
Poor
Based on terms and documentation. No test transactions published yet. See the arithmetic
2Fiat review in short
2Fiat is a card. Its terms put it at KYC level 1 of 4: no ID mentioned. NoKYC Score grades it 6.1/10 for privacy (fair) and 3.8/10 for safety (poor). In its favour: accepts Monero. To watch: it holds your funds while you use it and has no publicly accountable operator. No incidents are on record.
- Category
- Crypto Cards
- KYC level
- 1 of 4: No ID mentioned
- Grades
- Privacy 6.1/10, Safety 3.8/10
- Custody
- custodial
- Fees
- Card fees not published on the pages reviewed; returning a card costs $10
- Limits
- Load amounts from $10 to $10,000
- Incidents on record
- 0
- Last reviewed
- 22 Oct 2026
Cite this review
NoKYC Score, "2Fiat review", reviewed 22 Oct 2026, https://nokycscore.com/service/2fiat
Also available as plain text.
What 2Fiat is
2Fiat sells reloadable virtual prepaid Mastercard cards that are paid for with Bitcoin, Monero, USDT or other cryptocurrencies. Its FAQ says the cards are issued by U.S. banks, support 3D Secure, Apple Pay and Google Pay, cannot be used for cash withdrawals, and can be returned for a refund minus a $10 fee. The homepage lists load amounts from $10 to $10,000. No terms of service page and no operator name were found on the site, and how accounts are created was not confirmed during this review.
What 2Fiat offers, and what to watch
1 of 13 privacy and safety features, 2 warnings in its terms.
"Not stated" means its own pages do not say.
Identity
- ID never required Not stated
- No account needed Not stated
- No email needed Not stated
- No phone number Not stated
Payment
- Accepts Monero Yes Monero hides sender, receiver and amount, so the payment cannot be traced to you.
- Accepts Lightning Not stated
- Accepts cash Not stated
Access
- Tor onion address Not stated
- Works without JavaScript Not stated
Trust
- Never holds your funds No
- Independent audit Not stated
- Company named No
- 5+ years operating Not stated
Warnings
- May ask for ID Not in terms
- Screens deposits Not in terms
- Passes orders to partners Not in terms
- Holds your funds Yes The operator controls user funds while they are on the platform.
- Email required Not in terms
- Phone number required Not in terms
- Nobody accountable Yes No company or person is publicly responsible for the service.
Does 2Fiat require KYC?
- 0 Never
- 1 Not mentioned
- 2 Rare
- 3 On risk flag
- 4 Mandatory
KYC level 1: No ID mentioned. No identity requirement appears anywhere in the terms or documentation.
No terms page was found; the homepage and FAQ describe ordering a card by paying in crypto and do not mention identity verification.
How the grades add up
Both grades start at 50 points and move by fixed, published amounts. Nothing is adjusted by hand. The total is divided by ten.
Privacy
6.1- Starting points 50
- KYC level 1: No ID mentioned +12
- Accepts Monero +4
- Custodial -3
- Closed source -2
- Total, clamped to 0–100 61
Safety
3.8- Starting points 50
- Custodial -5
- Closed source -3
- Anonymous operator -4
- Total, clamped to 0–100 38
Test ledger
Real transactions run by our editors. A badge without a ledger is an assertion; this is the proof.
No test transactions published yet
The grades above rest on 2Fiat’s terms and documentation. Tests will appear here with the date, route, amount band and result as they are run.
Incidents on record
No incidents are on record for 2Fiat. If you have a documented case, report it.
User reviews
Reviews never change a grade. Reviews with a transaction reference are marked.
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Alternatives to 2Fiat
All alternatives → 
US-registered MSB selling crypto-funded prepaid cards and gift cards
Privacy 2.2
Safety 4.6
Virtual prepaid card loaded with crypto, run by a Dutch company
Privacy 3.8
Safety 4.4
Prepaid cards, gift cards and eSIM plans bought with crypto, no account
Privacy 7.9
Safety 4.3
2Fiat vs Moon2Fiat vs Laso Finance2Fiat vs WaldenPay2Fiat vs Stealths
2Fiat: common questions
Does 2Fiat require KYC?
2Fiat is rated KYC level 1 of 4 on this site: no ID mentioned. No terms page was found; the homepage and FAQ describe ordering a card by paying in crypto and do not mention identity verification.
Is 2Fiat safe to use?
2Fiat has a Safety grade of 3.8 out of 10 and a Privacy grade of 6.1 out of 10. No incidents are on record. Evidence level: documentation reviewed.
Is 2Fiat legit?
2Fiat is a working card. Its operators do not publish a company or names, so nobody is publicly accountable for it. Being real is not the same as being safe: its Safety grade here is 3.8 out of 10, built from custody, liquidity, track record and incidents.
Is 2Fiat a scam?
NoKYC Score does not label services as scams; it records documented incidents with their sources and outcomes. No incidents are on record for 2Fiat.
What fees does 2Fiat charge?
Card fees not published on the pages reviewed; returning a card costs $10. Fees were recorded from 2Fiat's own pages and can change; check before you send.
What are 2Fiat's limits?
Load amounts from $10 to $10,000.
Does 2Fiat have a Tor onion address?
No official onion address was found on 2Fiat's own pages.
Which cryptocurrencies does 2Fiat support?
2Fiat supports BTC, XMR, USDT, and fiat payments in USD.
Is 2Fiat custodial?
Yes. 2Fiat holds funds during a trade, which means it is able to delay or freeze them.
Can I use 2Fiat over Tor?
2Fiat does not publish an official onion address.
Listing history
- Listing added. Facts and KYC level set from the service's own terms and documentation.