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Pintopay

A custodial or semi-custodial financial service.

KYC: lightTrust 35/100

Trust

UNVETTED
JURISDICTIONUnknown
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.
AUDITED BYNone on record
TRUST SCORE
35
LAST VERIFIED8/28/2025
LAST UPDATED3/13/2026

Specs

KYC LEVELlight
KYC TRIGGERSExpect unexpected KYC triggers for withdrawals above arbitrary risk thresholds.
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

Spend crypto via virtual cards; Mobile top-ups & Visa. (Light 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". Expect unexpected KYC triggers for withdrawals above arbitrary risk thresholds.

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?

The jurisdiction of Pintopay is not publicly confirmed. Check the provider site for incorporation details.

Is Pintopay safe to use for privacy?

Pintopay has a trust score of 35/99 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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