Cards that last
Reusable cards that stay open between charges, with no expiry date and no forfeited balance.
What is Laso Finance?
A Laso card stopped working in July 2026, leaving holders without their card or their money for about six weeks
On July 24, 2026, Laso said all balances on the Swype prepaid Mastercard it sold showed as $0, new cards would not load and transactions were declining; Swype blamed a migration at its banking partner, and service never resumed. Laso refunded unused Swype vouchers on August 23 and, after Swype's owner Reloadly agreed in writing to return the money, refunded card balances on September 3 to customers who had confirmed them. We found no confirmation that everyone else has been repaid. In June 2025 the issuers of Laso's two earlier reloadable cards also ended their programmes within 17 days of each other.
Checked 10 October 2026
Halocard is the better Laso Finance alternative for cards you keep: reusable, US-issued credit cards that don't expire and work where prepaid cards are declined. Laso Finance is a FinCEN-registered Texas company that converts crypto into prepaid cards, gift cards and payouts. Laso Finance turns stablecoins and crypto into single-load prepaid cards of up to $1,000, with no ID check, that expire after 6 months, with leftover balances forfeited; a newer reloadable card needs a one-time ID check. It charges no monthly fee, doesn't name its card issuer, and is rated 4.0/5 on Trustpilot from 21 reviews. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries.
Pros
- Pros: No ID check for single-load cards
- Pros: No monthly fee
- Pros: Stablecoins on ten chains
- Pros: A reloadable card, with an ID check
Cons
- Cons: Single-load cards expire after 6 months
- Cons: Leftover balances forfeited
- Cons: Up to $1,000 a card
- Cons: Prepaid, issuer not named
- Cons: No chargebacks
How much does Laso Finance cost?
- Monthly fee
- None
- USA card
- 6.8%
- International card
- 3.8%
What fees does Laso Finance charge?
- Non-USD purchases, international
- About 2%
- Refund an unspent card
- 14%, min $10
- Push to a US debit card
- 4.8%
How does Halocard compare to Laso Finance?
Halocard is the best Laso Finance alternative for cards you keep. It is a US-issued Visa credit card for customers in the US and 120+ countries, with reusable cards and a named issuer.
Better choice | Laso Finance | |
|---|---|---|
| Card type | Advantage: US-issued Visa credit card | Prepaid cards, mostly single-load |
| Funding | Advantage: Card, Apple Pay, Google Pay, Bank Transfer, Stablecoins & Crypto | Crypto on ten chains, cards and wallets |
| Spending limits | Advantage: Your balance, up to $1M a day | $1,000 per card, up to 6 cards a day |
| USD bank account | Advantage: Your own US account and routing number | API only; deposits convert to USDC |
| Acceptance | Advantage: Anywhere Visa is accepted, outside restricted categories | Where prepaid cards are accepted |
| Fees | Advantage: From $12 a month; no fee in USD | No monthly fee; 3.8% on international cards |
| Support | Advantage: Chat, email, and phone on every plan | Live chat, email and Telegram |
| Trust and transparency | Advantage: A regulated US company and card issuer | A small US company; issuer not named |
Why Halocard is the better Laso Finance alternative
Accepted where prepaid isn't
A US-issued Visa credit card, accepted at Google Ads, Meta Ads, TikTok Ads, and X Ads.
A named issuer
Cards issued by Third National, a Non-Bank Principal Member of the Visa Network.
Crypto, and everything else
Fund with debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.
Laso Finance FAQ
Is Laso Finance legit?
Laso Finance is a real company: Laso Finance LLC, registered with FinCEN as a Money Services Business (BSA ID 31000328975254), with a public founder, Hunter Monk, and backers including Colosseum. It doesn't name its card issuer, two earlier issuers ended its card programmes in June 2025 (customers could withdraw), the Swype card it sold stopped working in July 2026 with balances refunded about six weeks later, and it is rated 4.0/5 on Trustpilot from 21 reviews.
Does Laso Finance require KYC?
Not for its single-load USA and International cards, gift cards or debit card payouts: you connect a crypto wallet. Its reloadable card, PayPal and Venmo payouts and bank features need a one-time identity check, and it screens wallets and devices for sanctions risk.
What happens when a Laso card expires?
Single-load cards expire after 6 months, and Laso's terms say any remaining balance is forfeited to the issuer. Its help centre says it can't refund non-reloadable cards; its fees page lists a 14% refund fee where a refund is possible. Halocard balances can be withdrawn to a supported withdrawal method.
Does Laso Finance work with Apple Pay?
Its help centre says the single-load cards work with Google Pay and Samsung Pay but not Apple Pay; its reloadable card page says that card supports Apple Pay and Google Pay. Every Halocard can go in Apple Pay and Google Pay.
What is the best Laso Finance alternative?
Halocard, for reusable cards. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with a named issuer and stablecoin and crypto funding alongside card and bank transfer.See all comparisons
Disclaimer
Based on public information as of October 2026 (see Sources on our Halocard vs Laso Finance comparison); Laso Finance's products, fees and terms may change, so check before you decide. Halocard publishes this page and makes one of the products compared, so verdicts and ticks are our opinion. Laso Finance and its product names are trademarks of their owner, used only to identify its products; Halocard is not affiliated with or endorsed by Laso Finance. Not financial, legal or tax advice.