by Polybase Labs
The Payy Card is a Visa debit card with no annual fee, available in Global.
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.
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On $500/mo spend, the estimated monthly cost breakdown for Payy Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $0.00/mo cashback that is still a net cost of about $7.50/mo ($90.00/yr). Payy Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
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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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.
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.
The Payy Card is available in Global. Its availability status is "Global".
The Payy Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Payy Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.