Virtual crypto cards, issued without KYC

What a Blomo virtual card is

A Blomo virtual card is a payment card that exists only as card details: a number, an expiry date and a CVV, shown in the app. There is no plastic to wait for and nothing to post. The card is issued under licence by a partner bank and carries a Visa or Mastercard number, so it is accepted by the same merchants as any other card from that network.

The card is funded from a crypto balance. You top up in USDT, USDC, ETH, TRX, BNB or BTC, and the amount lands on your Blomo balance. When you pay in a currency other than the card's own, the amount is recalculated at the Visa or Mastercard rate for the moment of the transaction. Blomo does not convert at a rate of its own and takes no conversion markup.

Blomo asks for no identity documents to issue a virtual card. No passport, no selfie, no proof of address, and on the ordinary path no source-of-funds questionnaire. An email address or a Telegram account is enough to open an account, and a deposit is enough to fund it.

The four moments where verification usually appears

Most crypto card providers ask for documents at one of four points: when you register, when you deposit, when the card is issued, or when a payment is reviewed. Blomo asks at none of them for virtual cards.

This is a property of the product, not a promotion with an end date. It is written into how the service is built: the account is keyed to an email address or a Telegram account, the balance is fed by on-chain deposits, and the card is issued against that balance. Nothing in that chain needs a passport.

Sanctions screening and limits remain in place as a separate, pluggable layer — every card issuer is required to have them, and Blomo is no exception. What Blomo does not do is collect identity documents from ordinary users to make that layer work.

Six cards, six jurisdictions

Each card is a separate product with its own issuing country, currency, entry threshold, limits and fees. All limits are denominated in USDT, whatever the card currency is, so the ceiling is the same number no matter which card you hold.

The Netherlands card is issued in EUR and carries the highest spending limit and the lowest transaction fee. The Spain card is also EUR with a lower entry threshold. Poland is issued in PLN on Mastercard, the United Kingdom in GBP, Indonesia in IDR on Mastercard, and Estonia in EUR as the lowest-threshold card in the range.

Five of the six support Apple Pay and Google Pay and cash withdrawal at ATMs, so they work online and in shops alike. The Estonia card is the exception: it is an online-only card for subscriptions and checkouts, with no wallet payments and no ATM access, and in exchange it has the lowest entry threshold in the range.

All six take online subscriptions, including AI ones — Claude, ChatGPT and the rest bill like any other card payment.

The minimum balance is not a deposit, but the balance is held while the card is issued

The minimum balance is an entry requirement, checked once, at the moment you order the card. It is not collateral and it is not deducted. What does happen is a hold: from the moment you order a card until the card is activated, your whole available balance is held and cannot be spent — not only the threshold amount. The hold is released when the card is activated, and also if an operator declines the request; after that the whole balance is available to spend, including the amount that qualified you for the card. The hold is a snapshot of the balance at the moment you order, so a top-up that arrives afterwards is not held and stays available. If an issue attempt fails, the balance stays held until an operator retries the issue or declines the request.

The threshold runs from 100 USDT on the Estonia card to 1,000 USDT on the Netherlands card. You need it on the balance when you order the card, and that is the only moment it is looked at.

This is worth saying plainly, because at most providers the phrase means a sum you cannot touch for as long as the card is open. At Blomo the money is out of reach only between ordering the card and activating it.

What the higher thresholds actually buy

A card number starts with a BIN — the digits that tell a merchant which bank issued the card and what kind of card it is. Merchants use it to decide whether to accept the payment at all, and some of them reject whole ranges outright.

The higher the entry threshold, the stronger the BIN behind the product. That is the real difference between the cards in this range: a higher-threshold card is refused less often at checkout, gets through more merchant filters, and behaves like an ordinary bank card in more places.

So the choice is not only about limits. If a card keeps being declined by the merchants you use, the answer is usually a product with a higher entry threshold, not a bigger balance on the same one.

What it costs

The first virtual card on an account is free. Every card after that costs 10 USDT, charged at the moment of issue.

The minimum top-up is 50 USDT; smaller deposits are not credited. The 1% top-up fee is added on top of the amount you ask for: to get 100 USDT on the balance, send 101.

Transaction fees are set per card: 0.5% on the Netherlands card, 1% on Spain, Poland, Indonesia and Estonia, 1.5% on the United Kingdom card. ATM withdrawal costs 1% on the Netherlands, Spain and Poland cards and 2% on the United Kingdom and Indonesia cards; the Estonia card has no ATM access at all.

Currency matters as much as the percentage. A payment or a withdrawal in the card own currency carries no conversion; anything else is recalculated at the Visa or Mastercard rate for that moment, on top of the fee. Blomo takes no markup on that rate. Taking euros out of the Indonesian card therefore costs about twice what the same withdrawal costs on the Spanish card.

The entry threshold — the minimum balance a card requires — starts at 100 USDT on the Estonia card and rises to 1,000 USDT on the Netherlands card. There is no fee that is not published: the full table for all six cards is on the fees page.

How the card is issued

You create an account with an email address or a Telegram account. A second factor is offered at sign-up and takes about thirty seconds to set up; Blomo recommends turning it on, because a stolen password on its own then moves nothing.

You open a top-up request, pick the asset and network, and send the amount to the address you are given. The deposit is credited to your Blomo balance once the network confirms it. The number of confirmations is fixed for each network and does not depend on the amount: 20 blocks on TRON, 7 blocks on Ethereum, 3 blocks on Bitcoin, 120 blocks on Arbitrum and 15 blocks on BNB Chain.

The card is issued against that balance and the details appear straight away. You can paste the number into an online checkout, or add the card to Apple Wallet or Google Wallet to pay in shops — that is done by hand, by typing the number, expiry date and CVV into the phone's own wallet app, because the Blomo app has no add-to-Apple-Pay button.

Where the card works

Anywhere Visa or Mastercard is accepted: online checkouts, subscriptions, travel bookings, app stores, and in physical shops through Apple Pay and Google Pay.

Purchases in the card currency carry no conversion at all. Anything else is recalculated at the Visa or Mastercard rate for the moment of the transaction. Blomo has no conversion rate of its own and takes no markup on the network's rate.

Some merchants decline prepaid or virtual cards as a matter of policy — car hire desks and hotel deposits are the usual examples. That is the merchant's rule, not a Blomo limit, and it applies to virtual cards from any issuer.