In 2024 I wanted to buy something online that I didn’t want to appear on my bank statement.

I tried a virtual card from Privacy but didn’t have an SSN, a prepaid card from Vanilla but couldn't activate it outside the US, and a no-KYC crypto card from a stranger on Telegram but it didn't support 3D-Secure and was immediately blocked.

43 meetings with banks, 7 months of development, and 3 compliance audits later, we'd found a way to issue cards directly through Visa, with no consumer bank in the middle. Thus, Halocard was born.

We collect and use only the minimum personal data necessary to provide our services, comply with the law, and protect against fraud. If we don’t need it, we don’t ask for it.

Paying for Anthropic, Netflix, Amazon, or any US-based service shouldn’t depend on being a US resident. Neither should access to USD as a stable global currency. Halocard gives you a real US-issued credit card from anywhere in the world.

We don’t sell, rent, or share your personal information for advertising or marketing. We don’t obtain credit reports. We don’t report your activity to credit bureaus. None of that is in our business model, and none of it ever will be.

US-issued, virtual credit cards. Not debit. Not prepaid. Real credit BIN, issued through Visa’s network by Third National. Higher merchant acceptance than international debit or prepaid cards. No credit pull, no impact on your score.

Set per-transaction, daily, monthly, or total spending limits. Lock a card in one tap if you suspect a charge. Cancel and replace in seconds. The new card draws from the same balance. The old one stops working before the next charge can post. You hold the controls, not the merchant.

When you pay with a Halocard, the merchant doesn’t see your bank, your real name, or your real address. They see a card transaction with whatever name and billing address you set. Your funding source and identity stay invisible. The masking is the whole point.

$12 a month for 12 cards. A free tier means advertising, data harvesting, or burning investor money for growth. None of those align with how we want to run this. Paid users are customers. Free users are inventory.

Every legitimate card company on the planet requires identity verification, including a selfie. We looked into how to reduce this burden, but the US Customer Identification Program for Banks regulation is crystal clear.

No VC funding. No board pushing us to harvest data or chase growth at the cost of user trust. The only people we answer to the are the users paying us.

Close your account and we remove your data permanently from our servers. Note: Certain laws require our partners retain some information for legal and compliance purposes.

Visa still sees your purchases. Identity verification is required. We collect the minimum required to comply, and we operate inside a regulated system. Anyone trying to sell you full anonymity inside the card networks isn’t telling you the truth.

No-KYC cards are risky: blocked by most merchants, no 3D secure protection and operate in legal grey zones that can result in frozen accounts or lost funds with no recourse. The second have such poor merchant acceptance, or are locked to a single merchant, that they barely solve the problem. We chose to be a regulated credit card program that actually works.

Card networks place restrictions on where cards can be issued. Russia and North Korea carry sanction risk. India and China have an unfavourable regulatory environment they choose not to participate in. The complete list is in our support docs.