Tokyniq offers reloadable Visa and Mastercard virtual cards with multi-year validity. CryptoCardy's 7-BIN matrix, broader coin support, and lower fees make it a stronger pick for most use cases.
Tokyniq is one of the more polished no-KYC virtual card products on the market, with a strong multi-year reload pitch. CryptoCardy occupies the same segment with a wider BIN matrix (7 vs Tokyniq's 2), broader cryptocurrency support (20 vs ~6), and a tighter fee structure.
| Feature | CryptoCardy | Tokyniq |
|---|---|---|
| KYC required | None | None |
| Card validity | Until balance empty or deleted | Multi-year (advertised) |
| BINs offered | 7 | 2 (Visa + Mastercard) |
| Apple Pay / Google Pay | All BINs, tuned | Some BINs |
| Supported cryptocurrencies | 20 | ~6 |
| Monero (XMR) supported | Yes | Sometimes |
| Issuance fee | $1.50 | $2-3 |
| Top-up fee | 2% | 3-4% |
| Per-tx limit | $1,000 – $5,000 | $1,000 – $2,500 |
| Per-month limit | $10,000 – $50,000 | $5,000 – $20,000 |
| Active cards per account | 20 | Variable |
| REST API + webhooks | Full | Limited |
| UI languages | 8 | English |
If multi-year reloadable cards are the dealbreaker for you, Tokyniq makes that pitch explicit. Functionally, CryptoCardy cards also stay valid indefinitely (until deletion or balance exhaustion), with significantly more BIN options, more supported cryptocurrencies, lower fees, and a more developer-friendly API. For most users, CryptoCardy is the broader and more economical pick.
There is no expiration date imposed on the card itself. As long as you don't delete it and keep a balance, it stays usable.
CryptoCardy's BIN 485291 (Visa Platinum) and 541263 (Mastercard Standard) are specifically tuned to clear Apple Wallet's issuer-validation on first attempt.
Yes, but with a smaller chain matrix overall. CryptoCardy supports BTC + 19 other coins.
Pick a BIN above, top up with any of 20 cryptocurrencies, and your card is ready to use the moment the deposit confirms.