SolCard built its reputation on instant, no-KYC virtual Visa cards funded with crypto — but that changed for a large group of users when the company shut down anonymous Visa access, citing a requirement from its banking partner. Users who hadn't verified their identity found their virtual cards had simply vanished from the app, with SolCard stating it would only continue issuing Visa cards to a new “verified tier.” For anyone who chose SolCard specifically to avoid identity verification, that's not a minor inconvenience — it defeats the entire reason they signed up.
Why This Happened
This wasn't really SolCard's decision alone. Card networks and the banks that actually issue virtual Visa or Mastercard numbers behind the scenes carry the real regulatory exposure, and offering fully anonymous cards raises fraud, money-laundering, and sanctions-evasion concerns that banking partners are rarely willing to carry indefinitely. When a banking partner tightens its requirements, the platform built on top of it has little choice but to follow — which is exactly what happened here. It's a useful reminder that a no-KYC card's privacy promise is only as durable as the infrastructure quietly running underneath it.
On top of the KYC reversal, SolCard's fee structure has drawn criticism independently of the verification issue — a 5% top-up fee and a 2% fee on foreign purchases add up quickly for anyone using the card regularly, well above what many competing virtual card platforms charge.
What to Look for in an Actual No-KYC Alternative
- A track record of not reversing its no-KYC policy under partner pressure — check how long the platform has operated and whether it's changed its verification requirements before
- Transparent fees, not high top-up or foreign-transaction charges buried in the fine print
- Support for crypto funding without requiring a specific chain or token
- The ability to generate multiple cards, so a policy change on any single card doesn't take down every account you rely on it for
How SiraPay Compares
SiraPay's privacy-first onboarding asks for only the basic information needed to meet minimum regulatory requirements — no facial verification, no government ID upload — and up to 5 free virtual cards can be generated per account. Rather than a single all-or-nothing Visa product, spreading spend across multiple cards means a single account isn't a single point of failure the way SolCard's Visa program turned out to be.
For a more detailed side-by-side on fees, limits, and reliability specifically against SolCard, our SiraPay vs SolCard comparison breaks it down feature by feature. If you've run into similar sudden policy changes with other providers, our guides on RedotPay card freezes and Skrill account restrictions cover the same underlying pattern with different providers.
Setting Up a Genuinely No-KYC Card
- Sign up and complete the basic privacy-first onboarding steps
- Fund your virtual card with crypto or a supported fiat channel
- Generate one of your free virtual cards (up to 5 available)
- Use it anywhere Visa or Mastercard is accepted, the same way you would any other card
- Keep a second card as backup so a single policy change doesn't leave you without a working card
Final Thoughts
SolCard's forced verification wasn't a fluke — it's what happens when a no-KYC card's privacy promise runs into the banking partner actually issuing it. If avoiding identity verification is the whole reason you're looking at a virtual card in the first place, it's worth choosing a platform built around that principle from the start, rather than one that had to walk it back under pressure.
