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Privacy.com

KYC bank-linked virtual cards with spend limits and API/MCP controls for AI agents.

KYC: fullTrust 10/100US
Visit Privacy.com

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CAUTION · TRENDING
JURISDICTIONUS
STATE ACTORUS jurisdiction and regulated bank/card rails. Privacy developer docs cite BSA, OFAC, FinCEN rules, USA PATRIOT Act obligations, and mandatory Customer Identification Program checks.
WARNINGStrong spend-control surface, weak identity privacy. Privacy.com, its issuing bank, linked bank account, merchants, API/MCP usage, and transaction logs remain in the payment data path. Use for card-number isolation and hard caps, not for no-KYC financial privacy.
AUDITED BYNone on record
TRUST SCORE
10
LAST VERIFIED7/4/2026
LAST UPDATED7/4/2026

Specs

KYC LEVELfull
KYC TRIGGERSOfficial FAQ says personal information is required for mandatory KYC before using virtual cards. Developer docs say all end users must pass Customer Identification Program checks before they can transact.
FEEFree domestic personal plan; paid plans from $5/mo; Personal foreign transactions incur fees
NETWORKSVISA, MASTERCARD, ACH, API, MCP
CATEGORIESVirtual/Physical Card, Developer Tools, Private Payments
BEST FORCapping AI-agent spend, Merchant-locked subscriptions, Reducing merchant card-number exposure
FEATURESVirtual cards, Single-use cards, Merchant-locked cards, Category-locked cards, Spend limits, Pause and close cards, Transaction listing, Developer API, CLI, MCP server, ACH funding
TOR—
REGIONS1 country — United States
AI agent money

Spend controls, privacy cost

Useful for bounding autonomous spend and isolating merchant card numbers, but not anonymous: KYC, US banking, issuer logs, API/MCP activity, and transaction metadata remain linkable.

Agent railsRead guide
Control surfaces
APICLIMCPDashboard
Agent limits
Spend limitsYes
Merchant lockYes
Category lockYes
Pause / closeYes
WebhooksYes
Privacy posture
FundingBank linked
IdentityFull KYC

Strong control surface, weak identity privacy. Use for caps and isolation, not no-KYC spend.

Payment data path
  1. 1AI agent
  2. 2Privacy API/CLI/MCP
  3. 3Privacy.com
  4. 4Patriot Bank issuer
  5. 5linked US bank account
  6. 6card network
  7. 7merchant

About

US bank-linked virtual card platform for merchant-locked and single-use cards, spend limits, and AI-agent payment control through API, CLI, and MCP surfaces. Requires KYC/CIP, US legal residency, and a US checking account, so it is a spend-control tool rather than a no-KYC privacy rail.

Follow the Money

  Privacy.com — United States
  ──────────────────────────────────────
  Product: bank-linked virtual cards
  Issuer: Patriot Bank, N.A.
  Revenue: interchange + paid plans
  Rails: ACH, Visa/Mastercard, API/CLI/MCP
  ├─ Strong spend caps and card isolation
  ├─ Mandatory KYC/CIP before transacting
  └─ Use as control tooling, not anonymity
Privacy.com — ownership and funding chain

We wrote about this

Frequently Asked Questions

Does Privacy.com require KYC or identity verification?

Privacy.com has a KYC level of "full". Official FAQ says personal information is required for mandatory KYC before using virtual cards. Developer docs say all end users must pass Customer Identification Program checks before they can transact.

What payment methods does Privacy.com accept?

Privacy.com accepts the following payment methods: VISA, MASTERCARD, ACH, API, MCP.

Is Privacy.com available in my country?

Privacy.com is available in: US.

Is Privacy.com based in a Five Eyes country?

Yes. Privacy.com is based in US, which is a Five Eyes member country (US, UK, CA, AU, NZ). Authorities in Five Eyes countries can compel providers to hand over data and issue gag orders preventing disclosure.

Is Privacy.com safe to use for privacy?

Use Privacy.com with caution. Strong spend-control surface, weak identity privacy. Privacy.com, its issuing bank, linked bank account, merchants, API/MCP usage, and transaction logs remain in the payment data path. Use for card-number isolation and hard caps, not for no-KYC financial privacy.

Which payment networks does Privacy.com support?

Accepted networks: VISA, MASTERCARD, ACH, API, MCP.

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