Pintopay

A custodial or semi-custodial financial service.

KYC: lightTrust 40/100HK

Best useGeneral usageVirtual/Physical Card

KYC posturelight KYCOfficial homepage advertises ISO AML/KYC secure platform and 3D Secure; treat as light-to-medium KYC card service, not no-KYC.

Main riskUNVETTEDCard service with explicit AML/KYC language on the official homepage; expect identity/payment monitoring and issuer compliance checks.

Review proofReviewed 2026-06-22KYC checked 2026-06-22 / unknown jurisdiction / official site batch 2 2026 06 22

Trust

UNVETTED

JURISDICTIONHK

STATE ACTORRussian-operated: CEO Mikhail Kovshov is a Russian national based between Dubai, Bali, and Hong Kong. Delaware shell + UAE operational base. No direct FSB/GRU connections found but Russian-operated fintech with minimal transparency warrants heightened scrutiny.

WARNINGCard service with explicit AML/KYC language on the official homepage; expect identity/payment monitoring and issuer compliance checks.

AUDITED BYNone on record

TRUST SCORE

LAST VERIFIED6/23/2026

LAST UPDATED6/22/2026

Specs

KYC LEVELlight

KYC TRIGGERSOfficial homepage advertises ISO AML/KYC secure platform and 3D Secure; treat as light-to-medium KYC card service, not no-KYC.

FEE3%

NETWORKSvisa, mastercard, applepay, googlepay, 3ds, atm

CATEGORIESVirtual/Physical Card

BEST FORGeneral usage

FEATURESApple/Google Pay, ATM on physical, USDT top-ups

TOR—

REGIONS1 country — Global

About

Crypto card/top-up product. Official homepage advertises AML/KYC secure platform and 3D Secure, so this should not be treated as no-KYC.

Follow the Money

  Pintopay — Delaware LLC / UAE Ops (US)
  ──────────────────────────────────────
  CEO: Mikhail Kovshov (Russian national)
  Revenue: 3% card fee + fx spread
  Funding: self-funded (no VC disclosed)
  ├─ Delaware shell + UAE operations
  ├─ Russian operator, minimal transparency
  └─ No regulatory licenses confirmed

Pintopay — ownership and funding chain

Frequently Asked Questions

Does Pintopay require KYC or identity verification?

Pintopay has a KYC level of "light". Official homepage advertises ISO AML/KYC secure platform and 3D Secure; treat as light-to-medium KYC card service, not no-KYC.

What payment methods does Pintopay accept?

Pintopay accepts the following payment methods: visa, mastercard, applepay, googlepay, 3ds, atm.

Is Pintopay available in my country?

Pintopay is available in: GLOBAL.

Is Pintopay based in a Five Eyes country?

No. Pintopay is based in HK, which is not a Five Eyes member country.

Is Pintopay safe to use for privacy?

Pintopay has a trust score of 40/99 on cunicula.com. Community verification is ongoing — verify independently before use.

Which payment networks does Pintopay support?

Accepted networks: visa, mastercard, applepay, googlepay, 3ds, atm.

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