Who this is for

You hold crypto and want to spend some of it today. You do not have a bank account you can use, or you would rather not hand your full ID to yet another app for a card you will use for online subscriptions. Or you simply want to try Fundly before you commit.

The Instant card is for that. It is a real virtual card on the [CARD NETWORK] network, issued by our licensed card partner, and it is ready in minutes.

What we ask for

A light sign-up is still a sign-up. Here is exactly what happens.

• Email. Verified by a one-time code or magic link.
• Phone number. Verified by SMS.
• Country of residence and citizenship. Some countries are not supported. You will be told politely if yours is one of them.
• Screening. Sanctions and country checks run in the background. This is a requirement of our partners and regulators.
• Device checks. We look at the device and session to keep fraud out. Nothing is stored beyond what the checks need.

No ID upload, no proof of address, no bank account. That is the whole list.

What you get

• A virtual card issued in minutes, ready for Apple Pay and Google Pay where available.
• Deposits from 10+ chains: USDT, USDC, ETH, SOL, BTC and more from your own wallet.
• The rate and fee shown before every deposit and every card payment.
• Freeze, category blocks and a notification for every payment.

The limits, plainly

Instant cards have limits set by our issuing partner and regulators. This is what lets us offer them without full verification. Launch proposals are roughly 1,000 to 2,500 EUR equivalent loaded per month and around 500 EUR per transaction. ATM use is not available on the Instant card. Exact numbers are confirmed with our partner and shown in your dashboard before you sign up.

If you hit the limits, nothing bad happens. Deposits over the limit are held until next month or until you verify.

What verification adds

When you are ready, upload your ID and, where required, proof of address. Most people are done in a few minutes. Verification unlocks higher limits, a physical card, ATM withdrawals and an EUR IBAN account. You choose when.

Why we built it this way

Most providers make you verify before you can do anything. That shuts out people with the wrong passport, people who are between countries, and people who just want a low-limit card for online spend. A light tier with honest limits is a fairer starting point. It is also what the rules allow: simplified due diligence for low-value accounts, with full checks as you grow.

We are not an anonymity product. Screening still runs, limits are real, and we cooperate with our partners and regulators. What we do not do is demand your whole life story for a 40 EUR purchase.

What it costs

The Instant card is on the Free plan: 0 EUR a month, 1% deposit fee (min 1 EUR), 1.5% FX on card spend, and 0.5% cashback for the first 90 days as a capped launch offer. Plus and Premium are on the pricing page.

How to get one

Join the waitlist. When your invite arrives, sign up, deposit from your wallet and add the card to your phone wallet where available. See how deposits work for the chain by chain detail.