# Moon review: KYC policy, privacy and safety grades

> Moon is a card. Its terms put it at KYC level 1 of 4: no ID mentioned. NoKYC Score grades it 5.7/10 for privacy (fair) and 4.7/10 for safety (caution). In its favour: accepts Lightning. To watch: it holds your funds while you use it and requires an email address. No incidents are on record.

Source: NoKYC Score, "Moon review", reviewed 22 Oct 2026, https://nokycscore.com/service/moon

## Key facts
- **Category:** Crypto Cards
- **KYC level:** 1 of 4: No ID mentioned
- **Grades:** Privacy 5.7/10, Safety 4.7/10
- **Sign-up:** Email required
- **Custody:** custodial
- **Incidents on record:** 0
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://paywithmoon.com

## What it is
Moon sells virtual prepaid Visa cards that can be bought with Bitcoin on-chain or over Lightning, USDT on Tron, USDC or Ether and then used for online purchases wherever Visa is accepted. The site describes the cards as a way to keep personal information away from merchants, says Moon is not a custodial service and advertises low fees with no trading fees or waiting times. An account is required to buy cards. The homepage read for this review does not state its identity-verification rules, card limits or geographic restrictions, so those should be confirmed in the terms before purchase.

## What the terms say about ID
No identity verification is mentioned on the homepage; the terms were not available to review.

## Features and warnings
- **Identity:** ID never required: not stated; No account needed: no; No email needed: no; No phone number: not stated
- **Payment:** Accepts Monero: not stated; Accepts Lightning: yes; 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: not stated; 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: yes; Phone number required: not in terms; Nobody accountable: not in terms

## Questions
### Does Moon require KYC?
Moon is rated KYC level 1 of 4 on this site: no ID mentioned. No identity verification is mentioned on the homepage; the terms were not available to review.

### Is Moon safe to use?
Moon has a Safety grade of 4.7 out of 10 and a Privacy grade of 5.7 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is Moon legit?
Moon is a working card. Being real is not the same as being safe: its Safety grade here is 4.7 out of 10, built from custody, liquidity, track record and incidents.

### Is Moon 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 Moon.

### Do I need an account or email to use Moon?
Email required.

### Does Moon have a Tor onion address?
No official onion address was found on Moon's own pages.

### Which cryptocurrencies does Moon support?
Moon supports BTC, USDT, USDC, ETH, and fiat payments in USD.

### Is Moon custodial?
Yes. Moon holds funds during a trade, which means it is able to delay or freeze them.

### Can I use Moon over Tor?
Moon does not publish an official onion address.

## Sources
- https://paywithmoon.com

How grades are calculated: https://nokycscore.com/methodology