Review of the AnyXPay Crypto Card

The crypto market is changing faster than banking regulations can adapt. While banks are blocking cards, lowering limits, and forcing users to explain every movement of their funds, people are looking for another way: fast, anonymous, and secure.

AnyXPay became the answer to this demand. It is a crypto card that removes all the pain of interacting with banks and allows you to spend crypto just as easily as regular money: via Apple Pay, Google Pay, or a payment terminal at a coffee shop.

We talked with the AnyXPay team about how the idea of the card came about, which real problems it solves, what makes it unique, and why the future of daily payments belongs to crypto.

How did the idea to create the AnyXPay crypto card come about?

The crypto card became a logical continuation of our exchange service AnyExchange. The idea was born out of pain: our users faced difficulties with using cryptocurrency every single day. This is how AnyXPay was created — a card that covers the entire cycle “exchange → storage → spending” in a single product.

Since 2022, banks and regulators have systematically been “tightening the screws”:

• mass card blocks for transfers from exchanges and P2P;
• mandatory explanations of the origin of every dollar or local currency;
• lower limits on “suspicious” transactions;
• a week or two to “unblock” with a pile of supporting documents.

People who honestly earned in crypto (freelancers, arbitrage specialists, business owners) were literally left without the ability to normally spend their own money. The future belongs to such crypto payments, which do not depend on a bank’s mood or a new circular from the NBU/ECB.

Which real user problems did you want to solve?

The main problems we wanted to solve were: systematic card blocks when dealing with cryptocurrency, the difficulty of using crypto assets in real life, complete transparency of finances, and zero privacy.

The main goal is to provide full anonymity and security together with maximum convenience and speed of using cryptocurrency in everyday life. People are tired of bank blocks, low limits, and hours-long verifications. We removed all these barriers.

The ideal experience of using a crypto card: what is it for you?

Opening a card in one minute and connecting it to Apple/Google Pay. A person should not have to think about what a seed phrase or 3D-Secure is — everything works exactly like with a regular bank card, only the money is cryptocurrency.

Which features make the AnyXPay Card unique on the market?

Full anonymity and security. No limits. Multicurrency support and direct top-ups. Instant transactions. Caring attitude towards the user. Native and intuitive connection to Apple Pay and Google Pay. Convenience and speed of use.

Were there challenges during the launch?

Yes, the most difficult issues were mass adoption and the legal architecture of the product. We successfully solved them by cooperating with licensed European issuers and building infrastructure that meets the highest standards.

How are stability and reliability of operations ensured?

After cryptocurrency is transferred to the card balance, all further transactions are handled by Mastercard or Visa. At the moment, we offer 4 different types of cards for different user needs. Conversion and settlements take place within the issuer’s secure system — this guarantees 100% stability.
 

Which card usage scenarios turned out to be the most popular?

Freelancers and remote workers, the travel segment (flights, hotels, Booking), traffic arbitrage, iGaming, everyday expenses via Apple Pay/Google Pay, entrepreneurs and small businesses for settlements with counterparties.

What causes the biggest “wow” among users?

The moment when crypto stops being an abstraction and becomes an everyday reality. The combination of absolute anonymity and convenience: “I pay for coffee in USDT via Apple Pay and no one has any questions about who is paying or where the money came from.”

How do you work with risks and security?

We are not a bank and not an issuer — we are a technology platform that connects the user with a licensed issuer. The cards are issued legally, but the end user remains anonymous. The acquiring bank has no questions about the origin of funds. Risks are minimized thanks to a distributed architecture: data is duplicated on several servers, and backup providers ensure 99.99% uptime.

Why do banks block some cards, but not the AnyXPay Card?

Banks identify the transaction via payment systems from Mastercard/Visa and a licensed issuing bank, while the user’s personal data remains anonymous. It is also worth noting that transaction limits are quite high, unlike with classic banks.

How do you handle AML/compliance so that users feel safe?

An internal AML officer monitors patterns, automatic triggers detect suspicious operations, and 99.9% of legitimate transactions go through unnoticed. Users feel at ease because we do not share data with third parties, and compliance is our internal matter that protects the system without affecting the user’s privacy.

In which countries does the card work? And where are the best conditions?

Everywhere Mastercard and Visa are accepted, except sanctioned countries (200+ countries). The conditions do not differ.

What inside your infrastructure allows the card to be so fast?

A direct bridge between the user’s on-chain wallet and the issuer’s payment gateway: after confirmation on the network, the funds become instantly available for spending. Our own nodes ensure zero delays, and backup providers duplicate the flows. Conversion and transactions take place in Mastercard/Visa’s secure system — this guarantees speed and stability.

Who is behind the product?

A team of 15 specialists: blockchain developers, owners of payment services and an AML bot, and lawyers with a combined experience of over 20 years in fintech.

What insights did you get from the first users?

The experience of the first users showed that most expected a crypto card to be “just another wallet with tons of settings.” In reality: registration in 30 seconds, top-up via QR code, and the first payment through Apple Pay. The biggest surprise was how easily crypto becomes “regular money” — this influenced our focus on user experience.

Which card features will appear soon?

The team is constantly working on improving the quality of the service. We have just added new tokens (USDC, XAUT, etc.) and networks (BEP20, ERC20, TRC20), so now users have more flexibility for top-ups. Next: lower fees, physical cards, business accounts, mass payouts (payroll), and support for TON/Solana. All this to make AnyXPay even more convenient.

What is your philosophy regarding the convenience of crypto in everyday life?

Crypto should be everyday, routine, anonymous, fast, secure, and convenient. It should not be a “tech gadget” but simply a tool that works like a regular card. Crypto is about freedom, not complication.

How does AnyXPay help people use crypto without extra technical knowledge?

We integrated the platform into a Telegram App: you open it → top up via QR code → add it to Apple Pay → pay. No Metamask, addresses, or seed phrases.

What do you think crypto cards will be like in 2–3 years? Trends you see and are already preparing for.

We see the following trends: integration with AI assistants (voice payments), 50–70% of offline payments via crypto, and staking directly from the card.

What one piece of advice would you give to someone choosing a crypto card for the first time?

Crypto is not scary; you can figure it out in a few minutes, and what it offers is unique: freedom, anonymity, and a speed that banks do not have. Choose a card that gives you Apple Pay from day one — and you are already one step ahead.