Nocturne
Regional Partner · Global (Instant issuance) · personal
Privacy-first zero-KYC virtual Visa & Mastercard funded with Monero (XMR), BTC and stablecoins
Is Nocturne worth it?
Nocturne issues instant, privacy-focused zero-KYC virtual cards (Nocturne Aurora for Apple/Google Pay contactless tap-to-pay and Nocturne Shadow for high-limit online spending). Users can fund cards directly with Monero (XMR), Bitcoin, ETH, and stablecoins with daily spending limits up to $50,000.
Pros
- Strict Zero-KYC instant virtual card issuance
- Native Monero (XMR) funding alongside BTC, ETH & USDT
- Apple Pay & Google Pay provisioning on Aurora card + $50k/day limit
Cons
- No cashback rewards
- Virtual card only (no physical card or ATM cash out)
- ~1.5% top-up and FX fees
Fees, limits & requirements
- Issuance fee
- $25
- One-time card creation
- Annual fee
- $10
- Monthly fees included where applicable
- Crypto top-up
- 5%
- 5%→3.5% load fee
- FX fee
- 1.5%
- In-app
- ATM fee
- 0%
- Virtual card only (Apple Pay & Google Pay contactless POS supported)
- Max daily spend
- $50,000
- Subject to KYC tier and issuer limits
- Monthly ATM limit
- No ATM access
- Virtual card only (Apple Pay & Google Pay contactless POS supported)
- KYC
- No KYC
- No KYC required (email / instant wallet issuance)
- Custody
- Custodial
- Issuer holds funds on your behalf
- Card network
- Visa
- prepaid card · issued by Regional Partner
Supported crypto & networks
Where is Nocturne available?
Availability lists change frequently. Confirm eligibility with Regional Partner before applying.
Nocturne — common questions
Is Nocturne available in United States?+
Nocturne is listed as available in Global (Instant issuance). Our data currently shows it as available in United States. Always confirm eligibility with Regional Partner before applying.
What fees does Nocturne charge?+
Nocturne has a $25.00 issuance fee, a $10 annual fee, a 5% crypto top-up fee and a 1.5% FX fee. ATM withdrawals cost 0%. In-app
Does Nocturne support Apple Pay and Google Pay?+
Nocturne supports Apple Pay and Google Pay. You can add the virtual card to your mobile wallet after issuance.
Is Nocturne self-custody?+
Nocturne uses a custodial model. Regional Partner holds the funds used for spending, which introduces counterparty risk but simplifies onboarding and recovery.
How does Nocturne cashback work?+
Nocturne offers No cashback. Rewards are paid in USDC. Staking requirement: None. Cashback is modelled at the maximum published tier in our calculator.
Data note: fees, limits and availability are illustrative seed data for this build. Always confirm with the issuer. Card trademarks belong to their respective owners.