The Private Virtual Card Company
Halocard is a US financial technology company providing privacy-focused, US-issued Visa cards to consumers and businesses around the world. Your bank, home address and personal card details stay separate from every merchant you pay. Create a card in seconds, give each merchant its own, and lock or cancel it the moment you're done.
In the last 6 months
6,783
Virtual cards created
3,474
People used Halocard
123
Countries our customers are in
$2.54M
Purchases using Halocards
CEO
Founded Halocard in 2024 after failing to find a private, US-issued card that worked outside the US. A software entrepreneur for 15 years, he runs an international software consultancy and founded Rotor One, a helicopter tour company, where he flies as a commercial pilot.
CTO
Co-founded Blloc, maker of a minimalist smartphone built to cut screen time, whose Ratio launcher app passed a million users. His roles include engineering manager at Meta, VP Engineering at unu, and interim CTO at fintech Moneyfellows. MSc in Information Systems from Ulm.
We collect what's needed to open an account, meet regulation and stop fraud. Nothing more.
Your spending runs on Halocard, kept separate from your primary bank account. Your main card and account details stay out of every checkout, so a breach at a merchant never reaches them.
One card per merchant. A breach or rogue charge stays on that card, which you can lock or replace in seconds.
Every account is verified and Visa still sees each payment. Merchants and your bank see less.
We never sell your personal information to advertisers or data brokers. We never pull credit reports or report to credit bureaus.
Issued in the US by Third National. Your limit is your loaded balance, with no interest and no credit line. US merchants accept them where foreign, debit and prepaid cards are often declined.
US residents are welcome. If you live outside the US, you don't need a US address, US bank account or Social Security number.
Set a cardholder name and billing address per card. Merchants never see your home address or main card.
Top up by debit/credit card, bank transfer, stablecoins, or crypto. Bank transfers in USD, CAD, EUR or GBP.
Identity documents and transaction records sit with our regulated partners, not on our servers.
The card, the controls, what it costs, and how to get one.
What we collect, where it goes, and what we can't protect you from.
Why we built Halocard, what we believe, and the trade-offs we made along the way.