# 2Fiat review: KYC policy, privacy and safety grades > 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. Source: NoKYC Score, "2Fiat review", reviewed 22 Oct 2026, https://nokycscore.com/service/2fiat ## Key facts - **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 - **Official website:** https://2fiat.com ## What it 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 the terms say about ID No terms page was found; the homepage and FAQ describe ordering a card by paying in crypto and do not mention identity verification. ## Features and warnings - **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; 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; Email required: not in terms; Phone number required: not in terms; Nobody accountable: yes ## 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. ## Sources - https://2fiat.com - https://2fiat.com/faq How grades are calculated: https://nokycscore.com/methodology