Laso Finance

Stablecoin-funded prepaid cards, gift cards and payouts, with an x402 API and a provider-custodied managed-agent-wallet option.

laso.finance

KYC: light
US
Evidence and facts →

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Stablecoin-funded prepaid cards, gift cards and payouts, with an x402 API and a provider-custodied managed-agent-wallet option.

Common useVirtual/Physical CardVirtual/Physical Card / Agent MoneyOperator dataUnknown

Identity checkslight KYCDocument check: light · identity exposure level 3/4

Evidence and riskPartial evidenceCautionSome material claims still need confirmation.; those sources show trade-offs worth reading.

Last reviewedReviewed 9 Aug 2026KYC checked 9 Aug 2026 · unknown jurisdiction · Source → official siteHow to cite this pageSource coveragePartial evidenceRecorded riskCaution

Evidence and facts

CUNICULA SCORE 4.0

26/100Limited evidencePrivacy 3/25 · Control 0/20 · Transparency 0/20 · Security 17/25 · Accountability 6/10 · Cap 69 · Method

JURISDICTIONUS

CAUTIONLaso 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.

AUDITED BYNo audit listed

OPERATOR DATAUnknown

SOURCE COVERAGE

Partial evidenceSELF-REPORTED8/8Reviewed 9 Aug 2026 · Source → official site

LAST CHECKED2026-06-24

LAST UPDATED2026-09-28

Specs

DOCUMENT CHECKlight

IDENTITY EXPOSURELevel 3/4

KYC TRIGGERSIdentity 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.

FEEUSA prepaid cards: 0%; international: 3.8%; gift cards: up to 4.8%; payout fees vary by route and live quote

LIMITUSA prepaid cards: $5-$1,000; international: $100-$1,000, manually fulfilled; other products have separate limits

CATEGORIESVirtual/Physical Card, Agent Money

FEATURESStablecoin-funded prepaid cards, Option-specific identity verification, USDT, USDC, DAI, USA and international card options, x402 agent API, Single-load and verified reloadable cards

TORNot listed

REGIONSGlobal availability

Review analysis, source material, related services, and history

Agent payments

Spend controls and data exposure

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.

Payment tools Compare Wallet risks

Current options

Protocols

x402Virtual cardGift cardMerchant API

Autonomy4 / repeat policy

CustodyProvider custody

Approval

API keyWallet grantHuman approval

Controls

APIDashboard

Limits

Spend limitsYes

Merchant lockNo

Category lockNo

Pause / closeYes

WebhooksYes

Privacy

SettlementCard / Stablecoin / Bank / Gift card / Internal ledger

FundingStablecoin funded

IdentityLight KYC

Logging riskHigh

RevocationPartial

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.

Where payment data goes

1AI agent
2Laso bearer or wallet authentication
3Laso managed wallet or self-custody x402 payment
4option-specific issuer or payout rail
5merchant or recipient

Sources

Analysis

OVERVIEW

Laso Finance issues disposable virtual cards from a stablecoin voucher system, loading USDT, USDC or DAI across six networks for instant online-spend cards with no personal data collected at signup, per the record.

LIMITS

The founders are not named anywhere in public records, yet Laso Finance is a US-incorporated, FinCEN-registered money-services business in Texas. That registration means US authorities hold identity information about the operators even though the public does not, leaving independent verification of ownership unresolved despite the compliance signal.

USEFUL FOR

Small stablecoin-funded online purchases where the buyer accepts an unnamed operator that is nonetheless registered with US authorities.

Sources · reviewed 2026-07-16

Official site ↗

Corporate identity

Registry-sourced, not audited. The facts below come from cited web research rather than a direct registry query. Each claim links its own source.

LEGAL ENTITY: Laso Finance LLCsource ↗
REGISTRATION NO.: 31000328975254source ↗
INCORPORATED IN: United States (Texas)source ↗
REGISTERED ADDRESS: 5900 Balcones Drive Suite 100, Austin, TX 78731source ↗

Registry research · reviewed 2026-08-08

Frequently Asked Questions

Is identity verification required?

The recorded KYC level is "light". 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.

Which payment methods are accepted?

Please check the provider site for accepted payment methods.

Where is it available?

Recorded availability: GLOBAL.

Is the operator based in a Five Eyes country?

Yes. The recorded jurisdiction is US, a Five Eyes country (US, UK, CA, AU, NZ). This is jurisdiction context and does not by itself establish that a service is safer or less safe.

How are identity, operator, and evidence fields reported?

Identity exposure is level 3 of 4. Hosted operator data has not been established. Jurisdiction is shown as context, not a safety verdict. Source coverage is partial evidence, last reviewed 2026-08-09, and recorded risk is caution.

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Sources and history

Service history

Latest meaningful changes to the facts shown on this provider page.

28 Sep 2026
Provider facts reviewed and updated
Agent money / Notes, Agent money / Protocol privacy notes, Agent money / Source links, Card summary, and 11 more
10 Aug 2026
Add option-level directory
Agent money, Categories, Evidence status, Features, and 7 more
9 Aug 2026
Corporate registry information updated
Corporate / Entity type

Full service history

28 Sep 2026updated
Provider facts reviewed and updated
Agent money / Notes
The identity and control posture changes by option: most x402 shopping endpoints are documented without verification, Venmo and PayPal require KYC, and bank payouts require an approved identity-bearing banking profile.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.
Agent money / Protocol privacy notes
x402 constrains each quoted route payment but is not an account-wide budget. Provider custody, bearer access, option-specific recipient data, and downstream card or bank records remain separate privacy and safety surfaces.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.
Agent money / Source links
Label: Laso agent API documentation; Href: https://agents.laso.finance/llms.txt; Scope: docs, Label: Laso agent introduction; Href: https://agents.laso.finance/api-reference/introduction; Scope: protocolLabel: 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
Card summary
Stablecoin-funded virtual cards via vouchers.Stablecoin-funded cards and payouts with option-specific KYC.
Description
Stablecoin-funded virtual cards issued through a voucher system, loaded with USDT, USDC or DAI.Stablecoin-funded prepaid cards, gift cards and payouts, with an x402 API and a provider-custodied managed-agent-wallet option.
Evidence status
verifiedpartial
Features
Stablecoin voucher system, Option-level KYC, USDT, USDC, DAI, Instant virtual card, Online purchases, x402 agent API, Disposable cardsStablecoin-funded prepaid cards, Option-specific identity verification, USDT, USDC, DAI, USA and international card options, x402 agent API, Single-load and verified reloadable cards
Fee
Small load feeUSA prepaid cards: 0%; international: 3.8%; gift cards: up to 4.8%; payout fees vary by route and live quote
Fees / Transaction
0not set
KYC level
23
Kyc note
KYC is option-specific. Laso documents most x402 endpoints as available without verification, Venmo/PayPal payouts as KYC-gated, and bank profiles as requiring in-person owner verification.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.
Limit
not setUSA prepaid cards: $5-$1,000; international: $100-$1,000, manually fulfilled; other products have separate limits
Privacy warning
Anonymous founders - no public team identified. US-incorporated MSB (Texas). FinCEN-registered means US Treasury has identity of operators. Five Eyes jurisdiction applies. Cannot be independently vetted despite FinCEN compliance signal.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.
Source reviewed
laso_agent_docs_option_review_2026-08-09https://laso.finance/pricing
Updated at
2026-08-092026-09-28
Review source: official site · public history entry
27 Aug 2026updated
Reconcile score 4.0 evidence
Score assessment / Control model
custodialunknown
Score assessment / Operator data exposure
moderateunknown
Score assessment / Source model
closedunknown
Score review
not setOutcome: PASS; Checked at: 2026-08-25; Inputs: Operator data exposure: unknown; Control model: unknown; Source model: unknown; Audit: Score eligible: no; Reason: No dated, scoped, current audit citation was normalized in the reviewed packet; legacy auditedBy labels receive no score credit.
Review source: official documentation · public history entry
26 Aug 2026updated
Apply full-service rereview and score 4.0
Score assessment
not setOperator data exposure: moderate; Control model: custodial; Source model: closed
Review source: official documentation · public history entry
10 Aug 2026updated
Add option-level directory
Agent money
not setCompatible: yes; Control surfaces: api, dashboard; Protocols: x402, virtual-card, gift-card, merchant-api; Authorization model: api-key, wallet-grant, human-approval; Settlement rail: card, stablecoin, bank, gift-card, internal-ledger; Autonomy level: 4; Custody model: provider-custody; Mandate logging risk: high; Revocation quality: partial; Spend limits: yes; Merchant lock: no; Category lock: no; Pause close: yes; Transaction webhooks: yes; Funding source: stablecoin-funded; Identity surface: light-kyc; Data path: 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: The identity and control posture changes by option: most x402 shopping endpoints are documented without verification, Venmo and PayPal require KYC, and bank payouts require an approved identity-bearing banking profile.; Protocol privacy notes: x402 constrains each quoted route payment but is not an account-wide budget. Provider custody, bearer access, option-specific recipient data, and downstream card or bank records remain separate privacy and safety surfaces.; Source links: Label: Laso agent API documentation; Href: https://agents.laso.finance/llms.txt; Scope: docs, Label: Laso agent introduction; Href: https://agents.laso.finance/api-reference/introduction; Scope: protocol
Categories
Virtual/Physical CardVirtual/Physical Card, Agent Money
Evidence status
partialverified
Features
Stablecoin voucher system, No KYC, USDT, USDC, DAI, Instant virtual card, Online purchases, No personal data, Disposable cardsStablecoin voucher system, Option-level KYC, USDT, USDC, DAI, Instant virtual card, Online purchases, x402 agent API, Disposable cards
KYC requirement
nonelight
KYC last checked
2026-06-222026-08-09
KYC level
02
Kyc note
Advertises No-KYC, but strictly adhere to OPSEC rules. Access via Tor, pay with XMR.KYC is option-specific. Laso documents most x402 endpoints as available without verification, Venmo/PayPal payouts as KYC-gated, and bank profiles as requiring in-person owner verification.
Last reviewed
2026-06-222026-08-09
Source reviewed
official sitelaso_agent_docs_option_review_2026-08-09
Updated at
2026-03-132026-08-09
Review source: official documentation · public history entry
9 Aug 2026updated
Corporate registry information updated
Corporate / Entity type
not setcompany
Review source: official site · public history entry
8 Aug 2026updated
Corporate registry information updated
Corporate
not setLegal entity: Laso Finance LLC; Registration number: 31000328975254; Incorporation jurisdiction: United States (Texas); Registered address: 5900 Balcones Drive Suite 100, Austin, TX 78731; Officers: none; Prior entities: none
Review source: official site · public history entry
8 Aug 2026updated
Provider summary rewritten
Description
Stablecoin-funded virtual cards via a voucher system. No KYC, no personal data. Load USDT/USDC/DAI, get an instant virtual card for online spending. (Zero KYC)Stablecoin-funded virtual cards issued through a voucher system, loaded with USDT, USDC or DAI.
Review source: official site · public history entry
7 Aug 2026updated
Provider summary rewritten
Card summary
not setStablecoin-funded virtual cards via vouchers.
Review source: official site · public history entry
6 Aug 2026updated
Provider presentation updated
Best for
General usagenot set
Evidence status
not setpartial
Privacy warning
Anonymous founders — no public team identified. US-incorporated MSB (Texas). FinCEN-registered means US Treasury has identity of operators. Five Eyes jurisdiction applies. Cannot be independently vetted despite FinCEN compliance signal.Anonymous founders - no public team identified. US-incorporated MSB (Texas). FinCEN-registered means US Treasury has identity of operators. Five Eyes jurisdiction applies. Cannot be independently vetted despite FinCEN compliance signal.
Recorded risk
not setcaution
Tagline
A privacy-preserving tool offering genuine utility.not set
Trust level
unvettednot set
Review source: official site · public history entry
24 Jun 2026updated
Provider facts reviewed and updated
Checked at
2026-06-222026-06-24
Jurisdiction
not setUS
Review source: official site · public history entry
22 Jun 2026updated
Ship trust audit remediation pass
Checked at
2026-03-082026-06-22
Jurisdiction confidence
not setunknown
KYC last checked
not set2026-06-22
Last reviewed
not set2026-06-22
Source reviewed
not setofficial site
Review source: official site · public history entry
7 Apr 2026updated
Drop warrantCanary trust signal
Warrant canary
nonot set
Review source: source not recorded · public history entry
29 Mar 2026updated
KYC risk level system + advanced directory filters
KYC level
zero0
Review source: source not recorded · public history entry
14 Mar 2026updated
Offline status bug, vetted grid, news/projects img tags
Status
liveok
Review source: source not recorded · public history entry
14 Mar 2026updated
Provider presentation updated
Updated at
not set2026-03-13
Votes
0not set
Review source: source not recorded · public history entry
12 Mar 2026updated
Provider facts reviewed and updated
Privacy warning
not setAnonymous founders — no public team identified. US-incorporated MSB (Texas). FinCEN-registered means US Treasury has identity of operators. Five Eyes jurisdiction applies. Cannot be independently vetted despite FinCEN compliance signal.
Review source: source not recorded · public history entry
10 Mar 2026updated
Provider facts reviewed and updated
Best for
not setGeneral usage
Kyc note
not setAdvertises No-KYC, but strictly adhere to OPSEC rules. Access via Tor, pay with XMR.
Tagline
not setA privacy-preserving tool offering genuine utility.
Review source: source not recorded · public history entry
9 Mar 2026updated
Social links re-verified
Telegram
not sethttps://t.me/+psqbakiynkvkm2ux
Twitter
https://x.com/LasoFinancehttps://x.com/lasofinance
Review source: source not recorded · public history entry
8 Mar 2026updated
Social links re-verified
Telegram
https://t.me/lasofinancenot set
Review source: source not recorded · public history entry
8 Mar 2026updated
Social links re-verified
Telegram
not sethttps://t.me/lasofinance
Review source: source not recorded · public history entry
8 Mar 2026updated
Social links re-verified
Telegram
https://t.me/laso-financenot set
Twitter
https://x.com/laso-financehttps://x.com/LasoFinance
Review source: source not recorded · public history entry
8 Mar 2026updated
Social links re-verified
Telegram
not sethttps://t.me/laso-finance
Twitter
not sethttps://x.com/laso-finance
Review source: source not recorded · public history entry
8 Mar 2026updated
Provider presentation updated
Audited by
not setnone
Jurisdiction
not setnot set
Trust level
not setunvetted
Warrant canary
not setno
Review source: source not recorded · public history entry
8 Mar 2026created
Provider facts reviewed and updated
Provider profile
not setcreated
Review source: source not recorded · public history entry

Only fields shown on the provider page are tracked. Private identifiers are never published.

Evidence basis: Claims on this page are linked to published sources for comparison, not certification, audit, endorsement, or recommendation; read the methodology and coverage map before relying on an entry.