No-KYC crypto cards are easy to start and hard to trust

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Goblin card is a crypto payment card sold by Goblin Solutions LLC as a pair: a physical Mastercard that draws on an MXN balance and a virtual Visa that draws on a USD balance. The pitch that makes it interesting is simple — the physical card asks for no ID, no passport, no driving licence, and you can be 18 or over. The pitch that makes it difficult is that almost nothing around it is verifiable from the outside: no country list on the readable pages, no named issuing bank, no fee schedule in fine print beyond a few headline percentages, and no complaints file to read either way. That combination — low friction at the front door, thin disclosure behind it — is what I keep coming back to as I read through the card’s own pages.

I scored it 5.5 out of 10. That is not a bad product so much as an unfinished one. The daily-use mechanics are genuinely good: a real Mastercard, a real Visa, Apple Pay and Google Pay on the virtual card, sensible per-transaction and daily limits, no monthly fee. But the costs are steep at every stage you would touch — $350 for the bundle, 3.5% to load it, around 1.5% FX on the virtual card, 2% to take cash out — and the company behind it is a name with no visible issuer attached to it.

The conditions described here are current as of October 28, 2026.

Who the Goblin card is for, and who it is not

Goblin suits a narrow and specific person: someone who cannot or will not give an ordinary bank an identity document, and who nonetheless wants a piece of plastic they can tap in a shop, plus a virtual card they can load into a phone wallet. If that is you, Goblin is one of the few products in this category that says plainly it will not ask. That is a real advantage and I do not want to talk it away.

It is not for someone shopping for the cheapest way to spend crypto. There are cheaper routes, and I compare them further down. It is not for someone who wants a card with a track record, because there is no public record: no reviews on Trustpilot or Reddit surfaced in my search, no official incidents either — an absence that cuts both ways. And it is not for anyone who needs to file a dispute. The card’s own terms say that once a card has been used successfully it is not refundable, and chargeback handling is not stated.

The score, criterion by criterion, with the marks exactly as they came out of the assessment:

Two of those rows deserve a sentence each. The 8 for eligibility is not a statement that Goblin is available everywhere — it reflects that the card asks almost nothing of you at the door. The 1 for cost is the harshest mark on the page, and it is deserved: $350 before you have loaded a single dollar, plus 3.5% on every top-up after that.

Will they give you the card

Goblin Physical requires no ID, no passport and no driving licence. That is the card’s headline fact, stated by the card itself, and it is unusual enough that the rest of this review is partly an attempt to work out what sits behind it.

Here is what is and is not published. The readable pages do not list the countries where the card can be issued or used — that information is simply not there, and I am not going to fill the gap with a guess. What the page does say is that country and merchant restrictions apply. An earlier check of the same pages recorded worldwide availability at 18+, with roughly 50 countries restricted. Treat that as the best available reading, not as a guarantee for your country: the current pages do not confirm it.

The age floor is 18+. Beyond that, Goblin does not describe a KYC level system at all — there is no tier structure, no document menu, no verification ladder to climb. For the physical card, no KYC. For the virtual card, the KYC position is not stated either way, which I would treat as “ask support before you rely on it” rather than as a quiet yes.

The part that most concerns me is not about you. It is about who stands behind the plastic. A card number carries an issuer identification number — the six or eight leading digits — and merchants can look that up to see which institution and which country issued it. A card issued in one country can look foreign to a shop in another, which is why some merchants decline prepaid or foreign-issued cards. Goblin’s own pages name Goblin Solutions LLC as the company, but do not name the issuing bank or the country of registration. Nobody is required to publish that, but everyone who is serious usually can, and its absence is why the reliability mark sits at 5 rather than higher.

How to get the card

The path is short, which is part of the appeal. You buy the pair, you deposit crypto through the web portal or the Telegram bot, and then — this is the step people miss — you contact support to register the cards once they have arrived.

Goblin Physical is a Mastercard with an MXN balance. Goblin Virtual is a Visa with a USD balance. The balance currency is fixed per card, which matters if you spend outside Mexico on the physical card: you are converting from MXN on every transaction, and the physical card’s FX fee is listed at 0%, but the rate you actually get is still a rate the provider chooses.

Delivery is worldwide and takes seven days, up to fourteen at the maximum. Tracked international shipping is included in the price. A replacement card costs $100. The card itself is valid for three years, with renewal priced at $100 as well.

So the honest version of the process: this is not an instant digital card you can use in a browser in five minutes. There is a physical card that arrives by post, and you cannot activate its presence in the scheme until support has registered it. If you need something usable this afternoon, the virtual card is the half of the bundle you want — but you should expect to ask support questions before it does anything.

Fees: what Goblin really costs

This is the section where Goblin earns its lowest mark, so I want to be precise rather than rhetorical. The numbers below come from the card’s own materials; where a number is absent I say so rather than filling it in.

Now three ordinary payments, priced with those numbers.

A coffee in a Mexico City café, paid on the physical card. The MXN balance spends directly, so the FX fee on the physical card is the 0% the card publishes. Your cost is whatever the rate gives you, and $2,500 per transaction and $5,000 a day is far above what coffee costs. This is the case Goblin handles best.

A €40 subscription bought online with the virtual card. This is where the markup bites. The virtual card carries approximately 1.5% versus the reference rate including a 1% markup, so a $40 payment carries a conversion cost before you get to the merchant’s own pricing. It is not catastrophic, but it is the fee you pay repeatedly if you use this card as your everyday card rather than occasionally.

Taking $200 out of a cash machine on the physical card. Goblin’s own ATM fee is 0% and the daily cap is $500, so a $200 withdrawal clears the provider’s charge — but a 2% cash withdrawal fee applies on top, and the ATM operator may charge its own fee as well. Four dollars on two hundred, plus whatever the machine wants. On the virtual card there is no stated cash limit but the same 2% fee.

The comparison that matters most is not between Goblin’s fees and another crypto card’s fees. It is between the total you spend to get started and what the card does for you. $350 buys the bundle; $100 buys a renewal or a replacement; 3.5% buys a top-up. Over a year of ordinary use, those three numbers will dominate anything you save on FX. There is one product pair and no cheaper tier — no entry-level variant, no lower-cost option.

One more cost the card does not mention: the network fee for the blockchain transfer that funds your deposit is charged by the blockchain, not by Goblin, and who pays it is not stated. Assume it comes out of what you send and do not expect it back.

How to top up

You fund Goblin with BTC, ETH, SOL, XMR or USDT. The web portal is the recommended route; there is also a Telegram bot. Whatever you send is converted on arrival into MXN for the physical card or USD for the virtual card — so the conversion happens at the moment of funding, and the top-up fee is charged on top of it at 3.5%, or 4% for XMR.

There is a minimum deposit of $100 USD.

The detail I would most want a reader to notice is a small absence: the USDT network is not named. This matters more than it sounds. USDT exists on several chains — Ethereum, Tron, Solana, Polygon, Avalanche among them — and sending the wrong one is a well-known way to lose money. Blockchain transfers are irreversible: if you send USDT on a network the provider does not support, or to an address belonging to a different network, the funds can be gone, or recoverable only through a manual support request with no guarantee. Before you send anything, ask support which network to use and check that the address matches it exactly. That is not a trick and it is not a way around anything — it is just the one piece of basic hygiene this card’s pages leave to you.

Two related mechanics, for context. Gas fees are paid in the chain’s own currency, so a wallet holding USDT but no ETH cannot send on Ethereum at all. And on Tron, fees work through bandwidth and energy rather than a plain token, often burning TRX. If you have never moved crypto on-chain before, this is the part of the process most likely to cost you money by accident.

As for cashing out: the pages state cash withdrawal fees and limits, and say nothing about closing an account or withdrawing a leftover balance. That is not stated.

Paying with the card every day

Everyday use is Goblin’s strongest suit, and this is the 9 out of 10 on the scorecard.

The physical Mastercard is the card you keep. The virtual Visa is the card you load into your phone: Apple Pay and Google Pay both work on Goblin Virtual, and only on the virtual card — the physical card is not listed for either wallet. The virtual card carries the bigger numbers: $20,000 per tap-to-pay transaction and per day, and $200,000 for online purchases per transaction and per day. Against the physical card’s $2,500 and $5,000 daily, that is a clear signal about which card Goblin expects you to lean on for volume.

The physical card’s daily and per-transaction caps reset 24 hours after each transaction, so a rolling limit rather than a calendar-day one. There is no monthly limit stated on the physical card. The virtual card’s structure — a pre-loaded balance — means it cannot overdraw: the card spends only what you have converted onto it. That is a genuinely reassuring property compared with a credit line, and it is why this card does not need the credit checks an ordinary bank would run.

There is no app. Everything happens through the web portal and the Telegram bot. There is no cashback or rewards mentioned anywhere.

Expect friction in two places, both general to this kind of card. Merchants can decline prepaid or foreign-issued cards because a BIN lookup reveals the card type and issuer country, so a Goblin card may read as foreign in a shop that would happily take a local one. And address verification — the check that compares the numeric parts of a billing address with the issuer’s records — is mainly offered in the US, Canada and the UK, and is generally unavailable for foreign-issued cards, which causes declines on online checkouts. Goblin publishes no list of blocked merchant categories; the pages say only that merchant restrictions apply, so you will find out what is blocked by trying it.

Support is Telegram and SimpleX, plus the bot, in English only, between 8am and 10pm CST. That is a real constraint if you are outside those hours or outside that language.

What can go wrong

Let me take these in order of how likely they are to actually happen to you.

Sending USDT on the wrong network. Covered above, and the most likely way to lose money outright. Irreversible by design; support recovery is manual and not guaranteed.

Never arriving. If the card does not arrive, the terms say a free reship or an eligible refund. That is one of the better parts of the terms, and it is worth knowing before you need it.

Being suspended. Publishing a card’s BIN publicly gets you an indefinite suspension with no refund. This is a policy against doxxing card programmes, and it is harsh, but you should read it as binding. The practical consequence is that you cannot casually share your card details in a forum or a screenshot.

Refunds and disputes. The refund position is clear and unfavourable: before shipping, a full refund; after shipping, the refund is reduced by the shipping fee; before successful use, refundable for any reason; after successful use, not refundable. Chargebacks are not stated, and the protections that would apply to a US debit card under Regulation E, or to a credit card under Regulation Z, vary for prepaid cards and should not be assumed to apply to yours.

Being declined. Foreign-issued BIN, missing address verification, merchant category restrictions, a declined authorisation that leaves a hold on your money for up to seven days. Also relevant: the card network itself can act. Visa and Mastercard do not issue crypto cards directly — they license issuers and can suspend a programme. Visa terminated its global agreements with FTX in November 2022 and the FTX US debit card was wound down. WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued programmes. These are the industry facts that explain why a crypto card’s lifespan is not something the marketing page can promise you.

Holds on your balance. This is the category risk nobody advertises. When you load a Goblin card, you are placing money with Goblin Solutions LLC — a name with no issuer or registration country published on the pages I could read. That is custodial risk, and the sector has a long record of it: Mt. Gox with roughly $350 million reported stolen between 2011 and 2014, Coincheck about $400 million in 2018, Ronin Network $625 million in 2022. A stolen private key has no recovery built in, and the same is broadly true of funds held with a provider: no network can freeze or return them for you.

Two-factor and account security. The pages say nothing about how the account is protected — no mention of 2FA, no mention of a freeze switch, no description of what happens if someone gets into your Telegram account, which is where both your funding route and support live. Treat that as a gap, not as a green light.

Sanctions. Tether says it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity. Stablecoins are not censorship-proof, and neither is any provider’s willingness to keep serving you.

Nothing going wrong, visibly. This one is unusual and worth naming. I found no complaints and no reviews for Goblin Cards on Trustpilot or Reddit, and no Trustpilot page for the domain at all. A brand with a year of operation and several hundred thousand dollars in fees should leave traces. Silence here is not evidence of safety; it is absence of evidence, and you should size your balance accordingly.

What to take instead

I am not going to recommend anything here without saying plainly what each alternative costs you in the thing you most likely value: identification, or disclosure.

CardFlow — scored 4.9 out of 10. Aimed at Nigeria, described as “Nigeria’s smartest fintech card platform” and for “Nigerians and global users”, with no country list or exclusions stated. It is a virtual USD Mastercard created in three minutes, and creating one is stated to be completely free — genuinely no entry cost, against Goblin’s $350. You fund it with Bitcoin, USDT, ETH or a Naira bank transfer, though the networks are not stated. Its fees are not stated either, which is the catch: a free card with no published fee schedule is not a cheap card, it is an unreadable one.

HyperCard — scored 4.7 out of 10. A prepaid card with a balance in USD or EUR, funded by depositing crypto such as USDT, BTC or ETH in the app and converted onto the card; networks are not stated. The official pages give no country list, while the App Store says the card works in “more than 176 countries” — that is a statement about acceptance, not about whether you can be issued one, and the two are easily confused. Costs and fees are not stated on the pages I could read.

Card.fi — scored 6.6 out of 10, the highest of the four. It is also the most transparent. Cards ship to “200+ countries”, with the bar set out in the terms: residents of, or orders from, a country subject to sanctions that would prohibit the service. You get a virtual Classic or Premium card, physical Classic and Premium, or a metal card in stainless steel, and every physical order includes a virtual card alongside. The pricing is tiered and published: Virtual Classic $49 and Virtual Premium $249 as one-time costs, with no monthly, annual, inactivity or minimum-balance fee. Fees are lower and clearer — top-up 1.5% plus $1.00 on Classic, 1% on Premium; FX 3.5% on Classic and 2.5% on Premium. You can fund it with 32 coins across 5 networks, converted at market rate on arrival, each card with its own deposit address. There is cashback on spending: 0.8% on Classic, 1% on Premium, 1.2% or 2% on Metal depending on the volume tier. And the same warning applies as with Goblin: sending on the wrong chain risks permanent loss.

The comparison in one view:

Read that table carefully and one thing is obvious: Goblin is the only one of the four that publicly says it does not check identity. Every other row in the “KYC position” line is either a restriction or a silence. If having no identity check is what you need, Goblin may be the only card on this list that can give it to you. If you can pass a check, Card.fi looks cheaper, more transparent and better rewarded, and you get a published terms document rather than an absence of one.

Who I would recommend it to

I would recommend Goblin to one person in particular: someone with crypto already in hand, no access to a conventional bank account that will take them, and a specific need to pay a shop or a website today rather than set up a financial relationship. For that person, the 8 out of 10 on eligibility is the whole argument, and it is a strong one. The physical card asks for no documents, the bundle works as a pair by design, and the limits are generous enough for ordinary life.

I would not recommend it to someone building a budget, or to anyone whose plan depends on the card still existing in three years. A $350 entry cost, 3.5% on every top-up and roughly 1.5% on every virtual-card conversion adds up to a running bill that a card with published tiered fees would undercut — Card.fi’s $49 entry and 1% top-up are not close. Nor would I recommend it to anyone who needs to win a dispute, because the refund terms end at first successful use and chargeback handling is not stated.

And the thing I would ask any reader to sit with, whoever you are and wherever you are: the no-KYC feature and the missing issuer name are two sides of the same coin. A provider that tells you it will not know who you are is a provider that has also not shown you who stands behind the money. Neither fact on its own is alarming. Together they mean you should keep a balance on this card that you could afford to lose outright — because as far as anything published shows, there is nobody behind it to reimburse you.

The best thing you can do, before sending a single dollar, is to ask their support the three questions the pages leave open: which USDT network to use, which bank issues the card, and what happens to a balance if the service closes. If the answers are clear, you have a usable card. If they are not, you have a $350 question mark.

Frequently asked questions

What is the Goblin card?

Goblin is a crypto payment card sold as a pair by Goblin Solutions LLC: a physical Mastercard drawing on an MXN balance, and a virtual Visa drawing on a USD balance. You load it with BTC, ETH, SOL, XMR or USDT through a web portal or Telegram bot, and it converts that into a fiat balance you spend like a prepaid card. The physical card asks for no ID.

Does the Goblin card require KYC?

The physical card does not — Goblin states it needs no passport, no ID and no driving licence, and the minimum age is 18. For the virtual card, the KYC position is not stated either way, so I would ask support rather than assume it mirrors the physical card. There is no tiered verification system described anywhere on the pages.

How much does the Goblin card cost?

The Physical plus Virtual bundle is $350 USD as a limited-time offer, with no subscription and no monthly fee. Renewal and lost-card replacement are $100 each. Loading costs 3.5% for BTC, ETH, SOL and USDT, and 4% for XMR. The virtual card adds roughly 1.5% versus reference rates, and cash withdrawals carry a 2% fee.

Where is the Goblin card available?

The readable pages do not publish a country list — that is genuinely not stated. They say only that country and merchant restrictions apply. An earlier check of the same pages recorded worldwide availability at 18 and over with roughly 50 countries restricted, but the current pages do not confirm it, so check with support for your country before you pay.

Is Goblin a bank, and who owns it?

Goblin is not a bank. The company behind the card is named as Goblin Solutions LLC, but the country of registration and the issuing institution are both not stated on the pages I could read. That matters more than it might seem, because merchants can look up a card’s issuer identification number and see which institution and country issued it.

Which network should I use to send USDT?

Ask support first, because the Goblin pages do not name the USDT network. USDT exists on several chains, and a transfer sent on the wrong one or to an address belonging to a different network can be lost, since blockchain transfers are irreversible and support recovery carries no guarantee. The minimum deposit is $100 USD.

Does Goblin work with Apple Pay and Google Pay?

Both wallets work with Goblin Virtual — and only the virtual card, not the physical one. The virtual card is also where the larger limits sit: $20,000 per tap-to-pay transaction and per day, and $200,000 for online purchases per transaction and per day. There is no Goblin app; the web portal and the Telegram bot do everything.

Is the Goblin card safe?

There is no obvious red flag, but there is very little to check either. I found no complaints and no reviews on Trustpilot or Reddit, and no Trustpilot page for the domain at all. Nothing about security, two-factor authentication or account protection is stated. My reading: nothing alarming published, but also no issuer named and no accountability visible.

What are the withdrawal limits and fees?

On the physical card the Goblin ATM fee is 0% and you can withdraw $500 USD a day; a 2% cash withdrawal fee applies separately, and ATM operators may charge their own. On the virtual card there is no stated cash withdrawal limit but the same 2% fee. Physical card spending caps are $2,500 per transaction and $5,000 a day, resetting 24 hours after each transaction, with no monthly limit stated.

What happens if the Goblin card is lost or never arrives?

A lost card is replaced for $100. If it never arrives, the terms say you get a free reship or an eligible refund. Refunds are otherwise tiered: full before shipping, minus the shipping fee after shipping, allowed for any reason before first successful use, and not available after that. Chargeback handling is not stated, which is the part I would worry about most.

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