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Bitrefill

A custodial or semi-custodial financial service.

KYC: lightTrust 80/100SE
Best useGeneral usageGift Cards
KYC posturelight KYCTerms state suspicious transactions may require KYC to continue using gift-card/top-up services; verified accounts are required for some bill/card products and processors may collect identity data.
Main riskVERIFIEDBitrefill monitors platform use for compliance, may report suspicious transactions, and can collect account, email, purchase, payment and verification data.
Review proofReviewed 2026-06-22KYC checked 2026-06-22 / verified jurisdiction / official site batch 5 2026 06 22

Trust

VERIFIED · TRENDING
JURISDICTIONSE
WARNINGBitrefill monitors platform use for compliance, may report suspicious transactions, and can collect account, email, purchase, payment and verification data.
AUDITED BYNone on record
TRUST SCORE
80
LAST VERIFIED6/24/2026
LAST UPDATED6/22/2026

Specs

KYC LEVELlight
KYC TRIGGERSTerms state suspicious transactions may require KYC to continue using gift-card/top-up services; verified accounts are required for some bill/card products and processors may collect identity data.
FEE2%
CATEGORIESGift Cards
BEST FORGeneral usage
FEATURESAU Visa Digital, 170+ Countries, Lightning, eSIMs, Instant
TOR
REGIONS13 countries — United States, United Kingdom, European Union, Australia, India, Canada, +7 more
AI agent money

Spend controls, privacy cost

Useful for automated gift-card, eSIM, top-up, and bill-payment purchases through API/MCP surfaces, but not anonymous: account, order, payment, issuer, and redemption metadata can remain linkable.

Protocol layer
MCPMerchant APIGift card
Autonomy2 / reviewed request
CustodyMerchant credit
Authorization model
API keyAccount permissionHuman approvalMerchant lock
Control surfaces
APIMCPDashboardManual approval
Agent limits
Spend limitsNo
Merchant lockYes
Category lockNo
Pause / closeNo
WebhooksNo
Privacy posture
SettlementCrypto / Lightning / Gift card
FundingCrypto funded
IdentityLight KYC
Logging riskHigh
RevocationPartial

Treat the API/MCP account as an identity-bearing control plane. Crypto funding can reduce bank-card exposure, but order history, redemption records, account metadata, and merchant behavior still form a durable trail.

Payment data path
  1. 1AI agent
  2. 2Bitrefill API/MCP or account
  3. 3crypto or Lightning payment
  4. 4Bitrefill order record
  5. 5gift card or top-up issuer
  6. 6merchant redemption
Sources

About

E-commerce platform for buying gift cards, mobile top-ups, eSIMs, bills and selected card products with crypto. Terms name Airfill Prepaid AB for gift cards/top-ups and Airfill US LLC for some US card/bill products.

Follow the Money

  Bitrefill AB — Stockholm, Sweden (SE)
  ──────────────────────────────────────
  CEO: Sergej Kotliar · Founded: 2014
  Funding: $2M seed (2019)
  Investors: Fulgur, Draper, Boost VC
  Revenue: ~2% markup on gift cards
  ├─ Swedish jurisdiction (GDPR)
  ├─ Fulgur: Kaspersky-background co-founder
  └─ Account required: collects purchase data
Bitrefill — ownership and funding chain

We wrote about this

Frequently Asked Questions

Does Bitrefill require KYC or identity verification?

Bitrefill has a KYC level of "light". Terms state suspicious transactions may require KYC to continue using gift-card/top-up services; verified accounts are required for some bill/card products and processors may collect identity data.

What payment methods does Bitrefill accept?

Please check the provider site for accepted payment methods.

Is Bitrefill available in my country?

Bitrefill is available in: US, UK, EU, AU, IN, CA, SG, ZA, NG, KE, and 3 more countries.

Is Bitrefill based in a Five Eyes country?

No. Bitrefill is based in SE, which is not a Five Eyes member country.

Is Bitrefill safe to use for privacy?

Bitrefill has a trust score of 80/99 on cunicula.com. It has been independently verified.

How fast is Bitrefill checkout?

Gift card delivery is typically instant after payment confirmation.

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