WaldenPay
WaldenPay issues a $10 prepaid virtual card from a Telegram bot after an e-mail signup, with no ID check at the start. Top-ups cost 5% until your 30-day card spend passes $2,000 and fall to 3% above $100,000; limits, countries and the issuer are not published.
- Visa, Mastercard
- Apple Pay
- Google Pay
- No KYC at signup
- Virtual card
- Custodial
No ID check at signup. The service may still ask for verification later. Funds are held by the service.
Good
- No ID documents at signup: e-mail through a Telegram bot
- Cheap card ($10) and no monthly fee
- Published 7-step top-up ladder, from 5% down to 3%
- 135+ coins on 35+ networks, each with its own deposit address
Watch out
- 5% top-up fee until $2,000 of card spend in 30 days
- Conflicting KYC statements: "No KYC" on X, risk-based checks in the blog
- Limits, countries, card expiry, FX and ATM terms not published
- Issuer not named; young domain with a low trust score
Key facts
- Card price
- $10virtual
- Cashback
- 0%no cashback
- Annual fee
- Free
- Top-up fee
- 5%, 4.75%, 4.5%, 4.25%, 4%, 3.5%, 3%
Rewards
| Cashback | 0% (no cashback) |
|---|
Perks
- Send to Friend, payment links and QR collection, white-label bot and API for resellers (0 to 20% partner markup)
Fees, limits and card details
| Virtual card | $10 |
|---|---|
| Monthly fee | Free |
| Annual fee | FreeOne-off card price |
| Top-up | 5%, 4.75%, 4.5%, 4.25%, 4%, 3.5%, 3%Steps at $2,000, $5,000, $10,000, $25,000, $50,000 and $100,000 of card spend in the last 30 days; custom above $250,000 a month |
| Send to Friend | 0% ($1 minimum, $10,000 per transfer, $20,000 per 24 hours) |
| Collect Payments | 0.2% conversion, paid by the payer |
- Signup, balance checks and support are free. The fee comes out of the top-up, so $100 sent arrives as less than $100.
| Top-up, minimum | $50The setup guide says $25; the blog and X (5 October 2026) say $50 |
|---|
- Top-up, balance and spending limits are not published. The X profile says "No limits", which the site does not confirm.
| Provider | BlueHouse Software B.V. (Rotterdam, Netherlands) |
|---|---|
| Network | Visa, MastercardWaldenPay says "Visa or Mastercard" rails without saying which card you get; the site shows a Mastercard. BINs are not published. |
| Card type | Prepaid |
| Custody | CustodialTop-ups convert to a USD balance held by WaldenPay. |
| Formats | Virtual card |
| Currencies | USD |
| Issuer | Not disclosed"Licensed partner" model; issuer, bank and processor are not named. |
| Wallets | Apple Pay: Yes; Google Pay: YesAdded by hand with the card number, expiry and CVV from the bot. |
| Required | No KYC at signup |
|---|---|
| Time | Card issued in minutes |
- Signup with an e-mail in the Telegram bot; normal use needs no documents.
- The X profile says "No KYC". The blog says checks are risk-based and depend on region, plan and volume, that permanent zero verification is "not sustainable in 2026", that the card is not anonymous and AML applies, and that accounts can be suspended or closed at WaldenPay's discretion.
Availability
Country list not published ("varies by jurisdiction"). Blog guides for the USA, UK, Europe, India and Mexico are marketing, not confirmation.
Supported cryptocurrencies
- USDT
- USDC
- BTC
- ETH
- SOL
- TRX
- LTC
Supported networks
- Tron
- Ethereum
- Bitcoin
- Solana
- Litecoin
- 135+ coins on 35+ networks; each network has its own deposit address. USDT on TRC-20 arrives in minutes, BTC in 10 to 60 minutes. Sending on the wrong network loses the funds.
Community review
Our rating
3.5 out of 10
| Criterion | Weight | Score | Points |
|---|---|---|---|
| Fees | 28% | 3.4 | 0.95 |
| Cheapest card$10 | 20% | 2.4 | |
| Yearly cost$0 | 20% | 10.0 | |
| Top-up cost5% | 20% | 0.5 | |
| Cost per purchaseUnknown | 15% | 2.0 | |
| FX costUnknown | 15% | 2.0 | |
| ATM costUnknown | 10% | 2.0 | |
| Rewards | 18% | 0.5 | 0.09 |
| Cashback at $1,000 a month0% | 75% | 0.0 | |
| Reward currencyNo cashback | 15% | 0.0 | |
| Perks1 | 10% | 5.0 | |
| Availability | 14% | 4.4 | 0.62 |
| CountriesUnknown | 70% | 2.0 | |
| Apple Pay and Google Pay10 of 10 | 30% | 10.0 | |
| Limits | 7% | 2.0 | 0.14 |
| Spending capacity a dayUnknown | 70% | 2.0 | |
| Cash a dayUnknown | 30% | 2.0 | |
| Custody | 7% | 3.0 | 0.21 |
| Track record | 7% | 3.6 | 0.25 |
| AgeUnknown | 50% | 2.0 | |
| IssuerNot named | 30% | 2.0 | |
| IncidentsNone | 20% | 10.0 | |
| Data completeness | 6% | 6.0 | 0.36 |
| KYC and privacy | 5% | 10.0 | 0.50 |
| Networks and coins | 5% | 6.5 | 0.33 |
| Networks5 | 50% | 4.4 | |
| Coins7 | 50% | 8.5 | |
| App ratings | 3% | 2.0 | 0.06 |
| Total | 100% | 3.51 = 3.5 |
Each criterion is scored 0 to 10, rounded to 0.1, then multiplied by its weight. Unknown values score 2.
How to get the card
- Open the WaldenPay bot in Telegram, send /start and enter your e-mail.
- Deposit crypto to the address for your chosen network (minimum top-up $50).
- Pay the $10 card fee; add the card to Apple Pay or Google Pay by hand.
Questions
How much does the WaldenPay card cost?
The cheapest WaldenPay card costs $10. Annual fee: Free. Top-up fee: 5%, 4.75%, 4.5%, 4.25%, 4%, 3.5%, 3%.
Does WaldenPay pay cashback?
No, WaldenPay does not pay cashback.
Does WaldenPay require KYC?
WaldenPay does not ask for an ID document at signup, but it can request verification later. Signup with an e-mail in the Telegram bot; normal use needs no documents.
Can I add WaldenPay to Apple Pay or Google Pay?
Yes, WaldenPay works with Apple Pay and Google Pay. Added by hand with the card number, expiry and CVV from the bot.
Which coins and networks can I use to top up WaldenPay?
Coins: USDT, USDC, BTC, ETH, SOL, TRX, LTC. Networks: Tron, Ethereum, Bitcoin, Solana, Litecoin.
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Before you order
The Order card button is an affiliate link: we may earn a commission if you sign up. It does not change the rating or the order of the catalog.
This page is not financial advice. Terms change often; check fees, limits and availability with the provider before you order.
How we rate cards: methodology. How we earn money: affiliate disclosure.
Sources
- Official website and card page
- Official blog
- Official social profile
Figures are taken from these sources in this order of priority: the provider's own pages, then DefiLlama, then other reviews, then Telegram reports.