KemyCard vs Payy

Name: Payy
Brand: Payy

KemyCard has full identity verification recorded. Payy has no identity verification recorded. The table lists fees, limits, jurisdiction, source coverage, and recorded risks.

KemyCard vs Payy privacy comparison
Metric	KemyCardDetails Official site	PayyDetails Official site
Document check	Full KYC	Zero KYC
Identity exposure	Level 4/4	Level 0/4
Source coverage	Verified evidence	Limited evidence
Review source	official site	official site
Recorded risk	caution	caution
Jurisdiction	US	??
Fee	5%	Zero fee for private ERC-20 transfers; other operations and integrations may require gas or provider fees
Limit	10,000 daily (currency not recorded)	None recorded
Countries/regions	Global	Global
Features	AML monitoring Apple Pay Crypto top-up Full eKYC Google Pay Multi-currency accounts Physical Mastercard Virtual cards	Card and business infrastructure Ethereum layer 2 Payy wallet Private stablecoin transfers Zero-knowledge proofs
Categories	Virtual/Physical Card	Private Payments Stablecoin Card
Audited by	None recorded	None recorded
Networks supported	3ds applepay googlepay mastercard visa	ERC-20 EVM
Last reviewed	2026-08-27	2026-09-05

How privacy, evidence, and risk are reported