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terms restrict service technology use."}},"audit":{"scoreEligible":false,"reason":"No dated, scoped independent audit of the score-critical core was evidenced in the reopened first-party source family."}},"privacy_observations":{"identity_exposure_level":4,"identity_requirement":"full","hosted_operator_data":null,"jurisdiction":"US","jurisdiction_confidence":"verified","jurisdiction_context":"five_eyes"},"scoring_source_url":"https://cunicula.com/methodology#cunicula-score","jurisdiction_exposure":"five_eyes","primary_category":"Virtual/Physical Card","primary_bucket":"Virtual Cards","corporate_identity":{"entity_type":"company","entity_type_note":"Registry-sourced corporate record established in pass 1 via legalEntity.","governance_model":null,"repository_url":null,"legal_entity":"Kemite Group, LLC","registration_number":"20250007719","registry_url":null,"incorporation_jurisdiction":"Delaware, United States","incorporation_date":null,"registered_address":"111b South Governors Ave, STE 23648, Dover, DE, 19904, USA","parent_entity":null,"ultimate_owner":null,"prior_entities":[],"officers":[],"citations":{"legalEntity":{"url":"https://kemycard.com/en/privacy","note":null,"agent_verified":false},"registrationNumber":{"url":"https://kemycard.com/en/privacy","note":null,"agent_verified":false},"incorporationJurisdiction":{"url":"https://kemycard.com/en/privacy","note":null,"agent_verified":false},"registeredAddress":{"url":"https://kemycard.com/en/privacy","note":null,"agent_verified":false},"entityType":{"url":"https://kemycard.com/en/privacy","note":null,"agent_verified":false}},"basis":"registry-sourced, not audited","agent_verified":false,"source":"registry research 2026-08-08, task t_047dfd90","reviewed_at":"2026-08-08"},"evidence_provenance":{"strongest_tier":"self-reported","tiers":["self-reported"],"counts":{"directly-tested":0,"independent-audit":0,"third-party-reported":0,"self-reported":5},"total_sources":5},"privacy_score":20,"privacy_score_version":"3.1","privacy_factors":[{"key":"baseline","label":"Baseline","value":100,"detail":"Starting privacy exposure score"},{"key":"identity","label":"Identity exposure","value":-80,"detail":"Full identity verification recorded (level 4 of 4)"},{"key":"operator-context","label":"Operator context","value":0,"detail":"Hosted operator; recorded jurisdiction: US (Five Eyes context)"}],"evidence_confidence":94,"evidence_confidence_status":"deprecated","evidence_confidence_sunset_on":"2027-02-26","evidence_score_version":"3.1","evidence_factors":[{"key":"source-coverage","label":"Source coverage","value":70,"detail":"Material claims checked against current sources"},{"key":"freshness","label":"Review age","value":24,"detail":"Oldest recorded check is 42 days old"}],"score_computed_at":"2026-10-08T04:05:42.756Z","score_inputs":{"kycLevel":4,"noOperatorData":false,"jurisdiction":"US","jurisdictionConfidence":"verified","evidenceStatus":"verified","checkedAt":"2026-08-27","lastReviewed":"2026-08-27","kycLastChecked":"2026-08-27"}},{"slug":"laso-finance","name":"Laso Finance","domain":"laso.finance","url":"https://laso.finance","kyc":"light","kycLevel":3,"kycNote":"Identity verification is product-specific: single-load prepaid cards and gift cards are documented without identity documents, while Venmo/PayPal, bank rails and reloadable cards require verification; bank/card programs also require approval.","fee":"USA prepaid cards: 0%; international: 3.8%; gift cards: up to 4.8%; payout fees vary by route and live quote","limit":"USA prepaid cards: $5-$1,000; international: $100-$1,000, manually fulfilled; other products have separate limits","categories":["Virtual/Physical Card","Agent Money"],"countries":["GLOBAL"],"features":["Stablecoin-funded prepaid cards","Option-specific identity verification","USDT, USDC, DAI","USA and international card options","x402 agent API","Single-load and verified reloadable cards"],"status":"ok","updatedAt":"2026-09-28","description":"Stablecoin-funded prepaid cards, gift cards and payouts, with an x402 API and a provider-custodied managed-agent-wallet option.","cardSummary":"Stablecoin-funded cards and payouts with option-specific KYC.","networks":[],"checkedAt":"2026-06-24","lastReviewed":"2026-08-09","reviewSource":"https://laso.finance/pricing","jurisdictionConfidence":"unknown","kycLastChecked":"2026-08-09","trending":false,"jurisdiction":"US","evidenceStatus":"partial","riskLevel":"caution","privacyWarning":"Laso collects wallet, transaction, IP and device data and shares data with payment and compliance partners. It says financial records are kept for at least five years. Managed agent wallets are held by Laso; issuer identity and current registration remain unverified.","auditedBy":[],"corporate":{"entityType":{"value":"company","citation":"https://laso.finance/","note":"Registry-sourced corporate record established in pass 1 via legalEntity."},"legalEntity":{"value":"Laso Finance LLC","citation":"https://laso.finance/"},"registrationNumber":{"value":"31000328975254","citation":"https://laso.finance/"},"incorporationJurisdiction":{"value":"United States (Texas)","citation":"https://laso.finance/"},"registeredAddress":{"value":"5900 Balcones Drive Suite 100, Austin, TX 78731","citation":"https://laso.finance/"},"officers":{"value":[],"citation":"unknown"},"priorEntities":{"value":[],"citation":"unknown"},"source":"registry research 2026-08-08, task t_047dfd90","reviewedAt":"2026-08-08"},"agentMoney":{"compatible":true,"controlSurfaces":["api","dashboard"],"protocols":["x402","virtual-card","gift-card","merchant-api"],"authorizationModel":["api-key","wallet-grant","human-approval"],"settlementRail":["card","stablecoin","bank","gift-card","internal-ledger"],"autonomyLevel":4,"custodyModel":"provider-custody","mandateLoggingRisk":"high","revocationQuality":"partial","spendLimits":true,"merchantLock":false,"categoryLock":false,"pauseClose":true,"transactionWebhooks":true,"fundingSource":"stablecoin-funded","identitySurface":"light-kyc","sourceLinks":[{"label":"Laso current documentation index","href":"https://docs.laso.finance/llms.txt","scope":"docs"},{"label":"Laso product pricing and identity requirements","href":"https://laso.finance/agent/pricing","scope":"docs"},{"label":"Laso data practices","href":"https://laso.finance/privacy","scope":"docs"}],"dataPath":["AI agent","Laso bearer or wallet authentication","Laso managed wallet or self-custody x402 payment","option-specific issuer or payout rail","merchant or recipient"],"notes":"Identity/control posture depends on product: single-load cards and gift cards are documented without identity documents; Venmo/PayPal, banking and reloadable cards require owner verification and applicable program approval. Managed agent wallets are Laso-custodied; self-custody x402 payment is a separate path.","protocolPrivacyNotes":"x402 pays for each quoted request; it is not an account-wide spending cap. Laso can retain wallet and recipient data, and card or bank providers keep their own records."},"twitter":"https://x.com/lasofinance","telegram":"https://t.me/+psqbakiynkvkm2ux","agentUsability":{"status":"api-key-only","evidence":"The current record exposes api control with light KYC and a light-kyc identity surface; no full document-KYC gate is recorded.","derivedFrom":["kyc","kycLevel","agentMoney.identitySurface","agentMoney.controlSurfaces"]},"cardFees":[{"serviceId":413,"productName":"Laso U.S. non-reloadable prepaid card","kind":"open-loop","baseCurrency":"USD","fees":{"creation":{"percentage":0,"fixed":0,"currency":"USD"},"load":{"percentage":0,"fixed":0,"currency":"USD"},"spend":{"percentage":0,"fixed":0,"currency":"USD"},"fx":null,"monthly":{"percentage":0,"fixed":0,"currency":"USD"}},"limits":{"minLoad":5,"maxLoad":1000,"minTransaction":null,"maxTransaction":null},"supportedCurrencies":["USD"],"supportedRegions":["US"],"expiry":null,"kycThreshold":{"type":"none","note":"Laso states that prepaid cards do not require identity verification."},"sources":[{"label":"Laso fees","url":"https://laso.finance/fees","reviewedAt":"2026-08-09"},{"label":"Laso U.S. card API","url":"https://agents.laso.finance/api-reference/order-a-usa-prepaid-card","reviewedAt":"2026-08-09"}],"note":"The card is restricted to U.S.-based merchants. FX does not apply to the supported use case."},{"serviceId":413,"productName":"Laso international non-reloadable prepaid card","kind":"open-loop","baseCurrency":"USD","fees":{"creation":{"percentage":0,"fixed":0,"currency":"USD"},"load":{"percentage":3.8,"fixed":0,"currency":"USD"},"spend":{"percentage":0,"fixed":0,"currency":"USD"},"fx":null,"monthly":{"percentage":0,"fixed":0,"currency":"USD"}},"limits":{"minLoad":100,"maxLoad":1000,"minTransaction":null,"maxTransaction":null},"supportedCurrencies":["USD"],"supportedRegions":["International"],"expiry":null,"kycThreshold":{"type":"none","note":"Laso states that prepaid cards do not require identity verification."},"sources":[{"label":"Laso fees","url":"https://laso.finance/fees","reviewedAt":"2026-08-09"},{"label":"Laso international card API","url":"https://agents.laso.finance/api-reference/order-an-international-prepaid-card","reviewedAt":"2026-08-09"}],"note":"The provider records FX as approximately 2%, so the exact FX fee is not recorded and foreign-transaction comparisons are excluded."},{"serviceId":413,"productName":"Laso Amazon U.S. gift card","kind":"gift-card","baseCurrency":"USD","fees":{"creation":{"percentage":0,"fixed":0,"currency":"USD"},"load":{"percentage":0,"fixed":0,"currency":"USD"},"spend":{"percentage":0,"fixed":0,"currency":"USD"},"fx":null,"monthly":{"percentage":0,"fixed":0,"currency":"USD"}},"limits":{"minLoad":5,"maxLoad":2000,"minTransaction":null,"maxTransaction":null},"supportedCurrencies":["USD"],"supportedRegions":["US"],"expiry":null,"kycThreshold":{"type":"none","note":"Laso states that gift cards do not require identity verification."},"sources":[{"label":"Laso fees","url":"https://laso.finance/fees","reviewedAt":"2026-08-09"}],"note":"This schedule is specific to the Amazon U.S. product named on the fee page."}],"details_url":"https://cunicula.com/en/provider/laso-finance","canonical_score":26,"score_status":"rated","score_evidence":"limited","score_version":"4.0","score_breakdown":{"privacy":3,"control":0,"transparency":0,"security":17,"accountability":6},"applied_caps":[{"key":"closed-critical-core-without-audit","maximum":69,"reason":"A closed or unknown critical core without current audit evidence limits the score to 69."}],"score_rationale":["privacy: 3 of 25 points.","control: 0 of 20 points.","transparency: 0 of 20 points.","security: 17 of 25 points.","accountability: 6 of 10 points.","Limited evidence: operatorDataExposure, controlModel, sourceModel scored zero.","A closed or unknown critical core without current audit evidence limits the score to 69."],"last_scored":"2026-09-05","not_rated_reasons":[],"score_assessment":{"operatorDataExposure":"unknown","controlModel":"unknown","sourceModel":"unknown"},"score_review":{"outcome":"PASS","checkedAt":"2026-08-25","inputs":{"operatorDataExposure":{"value":"unknown","sourceUrls":["https://laso.finance/about","https://laso.finance"],"reviewedAt":"2026-08-25","note":"The reviewed packet did not map this normalized Score 4.0 input to a field-level source; unknown is preserved until that mapping is completed."},"controlModel":{"value":"unknown","sourceUrls":["https://laso.finance/about","https://laso.finance"],"reviewedAt":"2026-08-25","note":"The reviewed packet did not map this normalized Score 4.0 input to a field-level source; unknown is preserved until that mapping is completed."},"sourceModel":{"value":"unknown","sourceUrls":["https://laso.finance/about","https://laso.finance"],"reviewedAt":"2026-08-25","note":"The reviewed packet did not map this normalized Score 4.0 input to a field-level source; unknown is preserved until that mapping is completed."}},"audit":{"scoreEligible":false,"reason":"No dated, scoped, current audit citation was normalized in the reviewed packet; legacy auditedBy labels receive no score credit."}},"privacy_observations":{"identity_exposure_level":3,"identity_requirement":"light","hosted_operator_data":null,"jurisdiction":"US","jurisdiction_confidence":"unknown","jurisdiction_context":"five_eyes"},"scoring_source_url":"https://cunicula.com/methodology#cunicula-score","jurisdiction_exposure":"five_eyes","primary_category":"Virtual/Physical Card","primary_bucket":"Virtual Cards","corporate_identity":{"entity_type":"company","entity_type_note":"Registry-sourced corporate record established in pass 1 via legalEntity.","governance_model":null,"repository_url":null,"legal_entity":"Laso Finance LLC","registration_number":"31000328975254","registry_url":null,"incorporation_jurisdiction":"United States (Texas)","incorporation_date":null,"registered_address":"5900 Balcones Drive Suite 100, Austin, TX 78731","parent_entity":null,"ultimate_owner":null,"prior_entities":[],"officers":[],"citations":{"legalEntity":{"url":"https://laso.finance/","note":null,"agent_verified":false},"registrationNumber":{"url":"https://laso.finance/","note":null,"agent_verified":false},"incorporationJurisdiction":{"url":"https://laso.finance/","note":null,"agent_verified":false},"registeredAddress":{"url":"https://laso.finance/","note":null,"agent_verified":false},"entityType":{"url":"https://laso.finance/","note":null,"agent_verified":false}},"basis":"registry-sourced, not audited","agent_verified":false,"source":"registry research 2026-08-08, task t_047dfd90","reviewed_at":"2026-08-08"},"evidence_provenance":{"strongest_tier":"self-reported","tiers":["self-reported"],"counts":{"directly-tested":0,"independent-audit":0,"third-party-reported":0,"self-reported":8},"total_sources":8},"privacy_score":40,"privacy_score_version":"3.1","privacy_factors":[{"key":"baseline","label":"Baseline","value":100,"detail":"Starting privacy exposure score"},{"key":"identity","label":"Identity exposure","value":-60,"detail":"Conditional identity verification recorded (level 3 of 4)"},{"key":"operator-context","label":"Operator context","value":0,"detail":"Hosted operator with unknown jurisdiction"}],"evidence_confidence":59,"evidence_confidence_status":"deprecated","evidence_confidence_sunset_on":"2027-02-26","evidence_score_version":"3.1","evidence_factors":[{"key":"source-coverage","label":"Source coverage","value":42,"detail":"Some material claims still need confirmation"},{"key":"freshness","label":"Review age","value":17,"detail":"Oldest recorded check is 106 days old"}],"score_computed_at":"2026-10-08T04:05:42.757Z","score_inputs":{"kycLevel":3,"noOperatorData":false,"jurisdiction":"US","jurisdictionConfidence":"unknown","evidenceStatus":"partial","checkedAt":"2026-06-24","lastReviewed":"2026-08-09","kycLastChecked":"2026-08-09"}},{"slug":"pintopay","name":"Pintopay","domain":"pintopay.me","url":"https://pintopay.me/","kyc":"full","kycLevel":4,"kycNote":"Account/card/wallet services may require full identity verification including name, date of birth, residence, national ID or passport data, contact details, financial profile and source of funds; 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Its official homepage advertises AML/KYC controls and 3D Secure.","cardSummary":"Crypto card and top-up product with AML checks.","networks":["visa","mastercard","applepay","googlepay","3ds","atm"],"checkedAt":"2026-06-23","lastReviewed":"2026-09-05","reviewSource":"https://pintopay.me/terms-and-conditions.pdf","jurisdictionConfidence":"unknown","kycLastChecked":"2026-09-05","trending":false,"jurisdiction":"HK","evidenceStatus":"partial","riskLevel":"caution","privacyWarning":"Pintopay requires account onboarding and identity verification and can request additional AML and source-of-funds evidence. UANT Limited and its partners process identity, transaction, device and financial-profile data and share it with issuers, payment, custody, KYC, fraud, infrastructure and legal recipients. Although the operator is incorporated in Hong Kong, the current terms exclude Hong Kong residents, citizens and tax residents and access from Hong Kong.","auditedBy":[],"corporate":{"entityType":{"value":"company","citation":"https://www.scribd.com/document/904246795/Pintopay-Introducer-Fee-Agreement","note":"Registry-sourced corporate record established in pass 1 via legalEntity."},"legalEntity":{"value":"UANT Limited","citation":"https://www.scribd.com/document/904246795/Pintopay-Introducer-Fee-Agreement"},"registrationNumber":{"value":"77341227","citation":"https://www.ltddir.com/companies/uant-limited/"},"registryUrl":{"value":"https://www.cr.gov.hk/","citation":"https://www.cr.gov.hk/"},"incorporationJurisdiction":{"value":"Hong Kong","citation":"https://www.ltddir.com/companies/uant-limited/"},"incorporationDate":{"value":"18-NOV-2024","citation":"https://www.ltddir.com/companies/uant-limited/"},"officers":{"value":[],"citation":"unknown"},"priorEntities":{"value":[],"citation":"unknown"},"source":"registry research 2026-08-08, task t_047dfd90","reviewedAt":"2026-08-08"},"agentUsability":{"status":"hard-blocked","evidence":"No reviewed programmatic agent-payment profile is recorded; this dataset treats the service as hard-blocked until a control surface is documented.","derivedFrom":["agentMoney.compatible"]},"cardFees":[{"serviceId":206,"productName":"PintoPay virtual card","kind":"open-loop","baseCurrency":"USD","fees":{"creation":null,"load":null,"spend":null,"fx":null,"monthly":null},"limits":{"minLoad":10,"maxLoad":5000,"minTransaction":null,"maxTransaction":null},"supportedCurrencies":["USD"],"supportedRegions":null,"expiry":null,"kycThreshold":null,"sources":[{"label":"PintoPay card pricing","url":"https://pintopay.me/","reviewedAt":"2026-08-09"}],"note":"The provider records a purchase range but not a complete fee and identity-threshold schedule."}],"details_url":"https://cunicula.com/en/provider/pintopay","canonical_score":24,"score_status":"rated","score_evidence":"limited","score_version":"4.0","score_breakdown":{"privacy":0,"control":0,"transparency":1,"security":17,"accountability":6},"applied_caps":[{"key":"closed-critical-core-without-audit","maximum":69,"reason":"A closed or unknown critical core without current audit evidence limits the score to 69."}],"score_rationale":["privacy: 0 of 25 points.","control: 0 of 20 points.","transparency: 1 of 20 points.","security: 17 of 25 points.","accountability: 6 of 10 points.","A closed or unknown critical core without current audit evidence limits the score to 69."],"last_scored":"2026-09-05","not_rated_reasons":[],"score_assessment":{"operatorDataExposure":"extensive","controlModel":"custodial","sourceModel":"closed"},"score_review":{"outcome":"HOLD","checkedAt":"2026-08-27","inputs":{"operatorDataExposure":{"value":"extensive","sourceUrls":["https://pintopay.me/privacy-policy.pdf"],"reviewedAt":"2026-08-27","note":"The privacy policy covers government identity documents, source-of-funds, financial profile, transactions, device/IP and processor data: this is extensive exposure."},"controlModel":{"value":"custodial","sourceUrls":["https://pintopay.me/","https://pintopay.me/terms-and-conditions.pdf"],"reviewedAt":"2026-08-27","note":"Pintopay accounts/cards/wallets and issuer controls are custodial."},"sourceModel":{"value":"closed","sourceUrls":["https://pintopay.me/terms-and-conditions.pdf"],"reviewedAt":"2026-08-27","note":"No official critical-core source or reproducible deployment was disclosed."}},"audit":{"scoreEligible":false,"reason":"No dated, scoped independent audit of the score-critical core was evidenced; no audit points are granted."}},"privacy_observations":{"identity_exposure_level":4,"identity_requirement":"full","hosted_operator_data":null,"jurisdiction":"HK","jurisdiction_confidence":"unknown","jurisdiction_context":"other"},"scoring_source_url":"https://cunicula.com/methodology#cunicula-score","jurisdiction_exposure":"other","primary_category":"Virtual/Physical Card","primary_bucket":"Virtual Cards","corporate_identity":{"entity_type":"company","entity_type_note":"Registry-sourced corporate record established in pass 1 via legalEntity.","governance_model":null,"repository_url":null,"legal_entity":"UANT Limited","registration_number":"77341227","registry_url":"https://www.cr.gov.hk/","incorporation_jurisdiction":"Hong Kong","incorporation_date":"18-NOV-2024","registered_address":null,"parent_entity":null,"ultimate_owner":null,"prior_entities":[],"officers":[],"citations":{"legalEntity":{"url":"https://www.scribd.com/document/904246795/Pintopay-Introducer-Fee-Agreement","note":null,"agent_verified":false},"registrationNumber":{"url":"https://www.ltddir.com/companies/uant-limited/","note":null,"agent_verified":false},"incorporationJurisdiction":{"url":"https://www.ltddir.com/companies/uant-limited/","note":null,"agent_verified":false},"incorporationDate":{"url":"https://www.ltddir.com/companies/uant-limited/","note":null,"agent_verified":false},"entityType":{"url":"https://www.scribd.com/document/904246795/Pintopay-Introducer-Fee-Agreement","note":null,"agent_verified":false}},"basis":"registry-sourced, not audited","agent_verified":false,"source":"registry research 2026-08-08, task t_047dfd90","reviewed_at":"2026-08-08"},"evidence_provenance":{"strongest_tier":"third-party-reported","tiers":["third-party-reported"],"counts":{"directly-tested":0,"independent-audit":0,"third-party-reported":6,"self-reported":0},"total_sources":6},"privacy_score":20,"privacy_score_version":"3.1","privacy_factors":[{"key":"baseline","label":"Baseline","value":100,"detail":"Starting privacy exposure score"},{"key":"identity","label":"Identity exposure","value":-80,"detail":"Full identity verification recorded (level 4 of 4)"},{"key":"operator-context","label":"Operator context","value":0,"detail":"Hosted operator with unknown jurisdiction"}],"evidence_confidence":59,"evidence_confidence_status":"deprecated","evidence_confidence_sunset_on":"2027-02-26","evidence_score_version":"3.1","evidence_factors":[{"key":"source-coverage","label":"Source coverage","value":42,"detail":"Some material claims still need confirmation"},{"key":"freshness","label":"Review age","value":17,"detail":"Oldest recorded check is 107 days old"}],"score_computed_at":"2026-10-08T04:05:42.757Z","score_inputs":{"kycLevel":4,"noOperatorData":false,"jurisdiction":"HK","jurisdictionConfidence":"unknown","evidenceStatus":"partial","checkedAt":"2026-06-23","lastReviewed":"2026-09-05","kycLastChecked":"2026-09-05"}},{"slug":"solvocard","name":"SolvoCard","domain":"solvocard.com","url":"https://www.solvocard.com/","kyc":"none","kycLevel":0,"kycNote":"Terms and card pages say no identity documents, proof of address, selfies or extensive personal verification; only a valid email is required. This is an official claim, not independently verified issuer-level policy.","fee":"4% crypto deposit; $99 virtual card; terms list $1 per top-up","limit":"No maximum single top-up claimed; $25,000 monthly per card on several pages; EURO page also claims EUR50,000","categories":["Virtual/Physical Card"],"countries":["GLOBAL"],"bestFor":["Comparing published no-KYC card terms","Reviewing crypto-funded card limits","Monitoring the June 2026 card-program incident"],"features":["No identity documents","Email-only account","XMR/BTC/ETH/stablecoin funding","Virtual Visa/Mastercard","Google Pay","Apple Pay on USD card","3DS","Physical card pre-order"],"tagline":"Email-only crypto-funded virtual cards. No identity documents are requested.","status":"warning","updatedAt":"2026-08-05","changedAt":"2026-08-05","description":"Crypto-funded virtual cards claiming email-only signup, with a June 2026 refund-delay incident still unresolved.","cardSummary":"Crypto-funded virtual cards, email-only signup.","networks":["VISA","MASTERCARD","BTC","ETH","USDT","USDC","XMR","SOL"],"checkedAt":"2026-08-05","lastReviewed":"2026-08-05","reviewSource":"official_terms_privacy_kycnot_incident_2026-08-05","jurisdictionConfidence":"verified","kycLastChecked":"2026-08-05","trending":false,"jurisdiction":"SC","evidenceStatus":"verified","riskLevel":"danger","privacyWarning":"Active refund-delay incident remains unresolved in the existing record and the official site publishes no incident notice. Current sources also conflict: terms name Seychelles-based TivoLabs LTD but are governed by US law, while the privacy page calls SolvoCard United States-based. 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