Payy

Stablecoin wallet, card, Cash Links and developer platform, with KYC applied to its users and businesses.

payy.network

KYC: full
US
Evidence and facts →

Stablecoin wallet, card, Cash Links and developer platform, with KYC applied to its users and businesses.

Common useStablecoin CardStablecoin Card / Private PaymentsOperator dataHosted

Identity checksfull KYCDocument check: full · identity exposure level 4/4

Evidence and riskVerified evidenceCautionMaterial claims checked against current sources.; those sources show trade-offs worth reading.

Last reviewedReviewed 22 Jun 2026KYC checked 22 Jun 2026 · verified jurisdiction · Source → official siteHow to cite this pageEvidence confidence94/100

Evidence and facts

JURISDICTIONUS

CAUTIONStablecoin/card product with KYC users, VC backing and Visa/card rails. Keep only as a warning/comparison listing, not as a no-KYC recommendation.

AUDITED BYNo audit listed

OPERATOR DATAHosted operator recorded

EVIDENCE CONFIDENCE

SELF-REPORTED1/1

Why evidence is 94/100Formula 3.1

Source coverageMaterial claims checked against current sources: +70
Review ageOldest recorded check is 62 days old: +24

Full scoring method

LAST CHECKED2026-06-24

LAST UPDATED2026-06-22

Specs

DOCUMENT CHECKfull

IDENTITY EXPOSURELevel 4/4

KYC TRIGGERSOfficial homepage explicitly frames traction in KYC users and businesses; this is not a zero-KYC card/link product.

FEEFree

LIMIT5,000 daily (currency not recorded)

NETWORKSvisa, applepay, googlepay

CATEGORIESStablecoin Card, Private Payments

FEATURESUSDC, Visa card, Private transfers, KYC users, Developer platform

TORNot listed

REGIONSGlobal availability

Review analysis, source material, related services, and history

Analysis

OVERVIEW

Payy (payylink) is a stablecoin wallet and card platform by Zeplo, Inc., offering Payy Wallet, Payy Card, Cash Links and developer infrastructure, with a $6M seed round led by FirstMark and backers including Circle and Visa.

LIMITS

The homepage frames its own traction in KYC users and businesses, and the record marks this as a comparison or warning listing rather than a no-KYC recommendation.

USEFUL FOR

For people comparing custodial, VC-backed stablecoin card products rather than searching for a no-KYC card.

Sources · reviewed 2026-07-16

Official site ↗

Frequently Asked Questions

Is identity verification required?

The recorded KYC level is "full". Official homepage explicitly frames traction in KYC users and businesses; this is not a zero-KYC card/link product.

Which payment methods are accepted?

Accepted payment methods: visa, applepay, googlepay.

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 4 of 4. A hosted operator is recorded. Jurisdiction is shown as context, not a safety verdict. Evidence confidence is 94/100 and recorded risk is caution.

Which payment networks are supported?

Accepted networks: visa, applepay, googlepay.

Related Services

Privacy.comprivacy.comprivacy.com · Virtual Cards · US

US virtual cards locked to a single merchant.

Evidence94 KYCCaution

About Visit ↗

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Sources and history

Service history

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

9 Aug 2026
Corporate registry information updated
Corporate / Entity type
8 Aug 2026
Corporate registry information updated
Corporate
6 Aug 2026
Provider presentation updated
Best for, Evidence status, Recorded risk, Trust level

Full service history

9 Aug 2026updated
Corporate registry information updated
Corporate / Entity type
not setunresolved
Review source: official site · public history entry
8 Aug 2026updated
Corporate registry information updated
Corporate
not setOfficers: none; Prior entities: none
Review source: official site · public history entry
8 Aug 2026updated
Provider summary rewritten
Description
Private stablecoin wallet, card and infrastructure platform. Current site says Payy operates KYC users/businesses and offers Payy Wallet, Payy Card, Cash Links and developer infrastructure.Stablecoin wallet, card, Cash Links and developer platform, with KYC applied to its users and businesses.
Review source: official site · public history entry
7 Aug 2026updated
Provider summary rewritten
Card summary
not setStablecoin wallet, card and payment rails.
Review source: official site · public history entry
6 Aug 2026updated
Provider presentation updated
Best for
General usagenot set
Evidence status
not setverified
Recorded risk
not setcaution
Trust level
dangernot set
Review source: official site · public history entry
24 Jun 2026updated
Provider facts reviewed and updated
Checked at
2026-06-222026-06-24
Review source: official site · public history entry
23 Jun 2026updated
Provider facts reviewed and updated
Categories
Virtual/Physical VisaStablecoin Card, Private Payments
Checked at
2025-09-012026-06-22
Countries
AUGLOBAL
Description
Use crypto to pay or cash out; Instant & Visa. (Light KYC)Private stablecoin wallet, card and infrastructure platform. Current site says Payy operates KYC users/businesses and offers Payy Wallet, Payy Card, Cash Links and developer infrastructure.
Domain
payy.linkpayy.network
Features
Virtual & Physical, Apple/Google Pay, InstantUSDC, Visa card, Private transfers, KYC users, Developer platform
Jurisdiction
not setUS
Jurisdiction confidence
unknownverified
KYC requirement
lightfull
KYC last checked
2025-09-012026-06-22
KYC level
04
Kyc note
Expect unexpected KYC triggers for withdrawals above arbitrary risk thresholds.Official homepage explicitly frames traction in KYC users and businesses; this is not a zero-KYC card/link product.
Last reviewed
2025-09-012026-06-22
Name
PayyLinkPayy
Privacy warning
ZERO PUBLIC FOOTPRINT: No company profile, no founders, no investors, no reviews, no regulatory filings found in any search. A financial service with essentially no indexed web presence is a significant red flag. Do not use for sensitive operations.Stablecoin/card product with KYC users, VC backing and Visa/card rails. Keep only as a warning/comparison provider profile, not as a no-KYC recommendation.
Source reviewed
older source, not independently verifiedofficial site
Trust level
unvetteddanger
Updated at
2026-03-132026-06-22
Url
https://payy.linkhttps://payy.network/
Review source: official site · public history entry
22 Jun 2026updated
Ship trust audit remediation pass
Jurisdiction confidence
not setunknown
KYC last checked
not set2025-09-01
Last reviewed
not set2025-09-01
Source reviewed
not setolder source, not independently verified
Review source: older source, not independently verified · 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
Fee
not setFree
Trending
not setno
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 setZERO PUBLIC FOOTPRINT: No company profile, no founders, no investors, no reviews, no regulatory filings found in any search. A financial service with essentially no indexed web presence is a significant red flag. Do not use for sensitive operations.
Review source: source not recorded · public history entry
10 Mar 2026updated
Provider facts reviewed and updated
Best for
not setGeneral usage
Kyc note
not setExpect unexpected KYC triggers for withdrawals above arbitrary risk thresholds.
Tagline
not setA custodial or semi-custodial financial service.
Review source: source not recorded · public history entry
8 Mar 2026updated
Social links re-verified
Telegram
https://t.me/payylinknot set
Review source: source not recorded · public history entry
8 Mar 2026updated
Social links re-verified
Telegram
not sethttps://t.me/payylink
Review source: source not recorded · public history entry
8 Mar 2026updated
Social links re-verified
Telegram
https://t.me/payylinknot set
Twitter
https://x.com/payylinkhttps://x.com/payy_link
Review source: source not recorded · public history entry
8 Mar 2026updated
Social links re-verified
Telegram
not sethttps://t.me/payylink
Twitter
not sethttps://x.com/payylink
Review source: source not recorded · public history entry
8 Mar 2026updated
Trust fields for all 77 services + provider page trust display
Audited by
not setnot set
Jurisdiction
not setnot set
Trust level
not setunvetted
Warrant canary
not setno
Review source: source not recorded · public history entry
22 Sep 2025updated
Describe the change
Description
PayyLink - payy.linkUse crypto to pay or cash out; Instant & Visa. (Light KYC)
Review source: source not recorded · public history entry
2 Sep 2025created
Init
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.