Payy Card Review (2026)

by Polybase Labs

Reviewed by Card Pilled Editorial ยท Last verified 2026-05-09

Key Facts

Cashback
0%
Annual Fee
$0
Region
Global
Type
Debit
Network
Visa
KYC
full
Mobile Pay
Apple Pay, Google Pay

Overview

Polybase Labs is a blockchain infrastructure company founded in 2022 by Sid Gandhi (a former Apple iOS engineer) and Calum Moore, building the Payy Network, a Layer 2 chain using zero-knowledge proofs for private stablecoin payments. Investors include Robot Ventures, DBA Crypto, 6th Man Ventures, Orange DAO, and Protocol Labs; the consumer product is the Payy card, a non-custodial stablecoin Visa card.

The Payy Card is a crypto debit card offered by Polybase Labs, available in Global. There is no annual fee to hold this card. It runs on the Visa network and requires full identity verification.

Fees & Costs

Conversion Fee
$0
FX Fee
~1% (Visa/bank pass-through)
ATM Withdrawal
$0 PAYY fee; operator fees apply
Top-Up Fee
$0
Inactivity Fee
$0

Pros

Cons

Note: First self-custodial Visa card using ZK cryptography to conceal payment amounts on-chain (transaction amounts never appear on public blockchain records); identity is still fully KYC-verified via third-party provider. Contactless-only Visa, settled via Visa rails. Premium light-up physical card at 100K points. Total funding now $8M (extended from $6M seed; FirstMark Capital, Robot Ventures, DBA Crypto). 100K+ users across 120 countries; ~$130M annualized transaction volume. Domain redirected from payy.link to payy.network.

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FAQ

What is the Payy Card?

The Payy Card is a crypto debit card offered by Polybase Labs. It is available in Global and allows users to spend cryptocurrency at merchants worldwide.

What are the fees for the Payy Card?

The Payy Card has an annual fee of $0. Additional fees: Conversion fee: $0; FX fee: ~1% (Visa/bank pass-through); ATM: $0 PAYY fee; operator fees apply; Top-up: $0; Inactivity: $0.

Where is the Payy Card available?

The Payy Card is available in Global. Its availability status is "Global".

Is the Payy Card a credit or debit card?

The Payy Card is a debit card. You need to load cryptocurrency onto the card before making purchases.

Does the Payy Card support Apple Pay or Google Pay?

Yes, the Payy Card supports Apple Pay and Google Pay for contactless payments.

Visit Polybase Labs

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