Comparison
Agora Card vs. Kem Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Agora CardAgora Cards
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Kem CardKem
In short
- Agora Card has the lowest foreign currency fee (1.5 %).
- Fewest documents: Agora Card (No ID).
- Agora Card has the best score (61.53).
| Attribute |
Agora CardAgora Cards
No KYC
Virtual
Physical
|
Kem CardKem
Requires KYC
Private
Virtual
Physical
|
|---|---|---|
| Score | average | average |
| CostsWeight 25 % | 50 | 57 |
| KYC and privacyWeight 20 % | 70 | 0 |
| FeaturesWeight 15 % | 73 | 75 |
| AvailabilityWeight 10 % | 95 | 97 |
| RewardsWeight 10 % | not scored | 72 |
| TrustWeight 10 % | 45 | 77 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: No ID | KYC: Full verification |
| Limits (entry level) |
|
no limits captured |
| Basics | ||
| Card form | unknown |
debit
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
The Kem Card is a Visa-network debit card connected to your Kem app wallet.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types |
virtual, physical
agora.cards checked 29 Oct 2026
Source and check
Source
agora.cards
Wording at the source
Virtual or physical, both offer complete privacy and securityChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
virtual, physical
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
The Kem Card is a free Visa card that lets you spend USDT — the world's most liquid stablecoin — at any Visa merchant worldwide. No bank account needed. No issuance fee. No monthly charges. Apply in t...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs) |
not published
agora.cards checked 29 Oct 2026
Source and check
Source
agora.cards
Wording at the source
Accepted worldwide wherever major card networks are supported.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
The Kem Card is a Visa-network debit card connected to your Kem app wallet.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custody |
custodial
agora.cards checked 28 Oct 2026
Source and check
Source
agora.cards
Wording at the source
Agora supports a segmented custody strategy, not self-custody of the card balance. Assets stay under the user's keys while they remain in a personal wallet. Once loaded to a card, funds are held by li...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
custodial
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
Client digital assets may be held: • in segregated blockchain wallet addresses; or • through regulated or approved third-party custodial service providers.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
stablecoin balance
agora.cards checked 28 Oct 2026
Source and check
Source
agora.cards
Wording at the source
Agora Cards provides virtual and physical cards funded with USDT or USDC. The purpose is straightforward: let users keep long-term holdings in their own wallets, then move an appropriate amount into a...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
stablecoin balance
kemapp.io checked 30 Oct 2026
Two sources, two values
Shownstablecoin balance
kemapp.iochecked 30 Oct 2026
The Kem Card is a Visa-network debit card connected to your Kem app wallet. It draws from your USDT balance and lets you spend at any Visa-accepting merchant — online, in-store, or while traveling — a...Differingcredit line kemapp.iofetched 30 Oct 2026 Issuer is the creditor responsible for funding your payments for goods and services your purchase at a merchant through your Kem Card and based on information provided by Partner.Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
| Card currencies |
USD
agora.cards checked 29 Oct 2026
Source and check
Source
agora.cards
Wording at the source
Issued in USD and automatically converts to any local currency at competitive rates.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
USD
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage | unknown |
personal
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
The primary purpose of your Account is for personal expenses.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
not published
agora.cards checked 30 Oct 2026
Source and check
Source
agora.cards
Wording at the source
We describe the service as privacy-focused because we collect only what is strictly necessary. That does not mean card use is anonymous. Stablecoin transfers occur on blockchains, and card transaction...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
Third National
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
"Issuer" refers to the issuer of the card program. The issuer for this card program is Third National.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Limits depend on (differs) |
plan
agora.cards checked 29 Oct 2026
Source and check
Source
agora.cards
Wording at the source
Everything in Basic and higher limits for maximum freedom.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
not published
kemapp.io checked 30 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
Your spending limit is generally set by Kem pursuant to the terms of the Kem Terms. Issuer may additionally set spending limits on each Kem Card or an aggregate spending limit across all Kem Cards, at...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in |
Not available in 24 countries and regions
agora.cards checked 29 Oct 2026
Source and check
Source
agora.cards
Wording at the source
## Unsupported Regions Due to regulatory requirements, we cannot currently serve the following regions ### Africa Somalia Central African Republic DR Congo Guinea-Bissau Libya Mali South Sudan Suda...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
unknown |
| Crypto | ||
| Supported assets (differs) |
USDT, USDC
agora.cards checked 29 Oct 2026
Source and check
Source
agora.cards
Wording at the source
Spend your stablecoins anywhere with complete privacy. Backed by USDT & USDC, accepted worldwide.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
USDT
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
The Kem Card is funded by USDT (Tether). You can also hold USD, gold, and crypto in the Kem app, all convertible to USDT for spending.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown | unknown |
| Top-up networks | unknown |
Ethereum, Polygon, Arbitrum, Optimism
kemapp.io checked 30 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
"Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks which may be added at the sole discretion of the Issu...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-up | unknown |
Yes
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
Kem supports Apple Pay, Debit and Credit card, your wallet balance, and deposits from external crypto wallets.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Payments | ||
| Mobile wallets (differs) |
Apple Pay
Google Pay
agora.cards checked 28 Oct 2026
Source and check
Source
agora.cards
Wording at the source
Apple Pay and Google Wallet support is offered for both cards, subject to the wallet provider's country, device and issuer eligibility requirements.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Apple Pay
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
The Kem Card is accepted at all merchants that accept Apple Pay in physical stores, and the card number works on any e-commerce or digital purchase.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals | unknown |
Yes
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
- Physical card — available for in-store, ATM, and tap-to-pay useChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactless | unknown |
Yes
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
- Physical card — available for in-store, ATM, and tap-to-pay useChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance | unknown |
0.00 USD
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
The Kem Card is a free Visa card that lets you spend USDT — the world's most liquid stablecoin — at any Visa merchant worldwide. No bank account needed. No issuance fee. No monthly charges. Apply in t...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance | unknown |
0.00 USD
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
The Kem Card is a free Visa card that lets you spend USDT — the world's most liquid stablecoin — at any Visa merchant worldwide. No bank account needed. No issuance fee. No monthly charges. Apply in t...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cards | unknown | unknown |
| Shipping | unknown |
not published
kemapp.io checked 30 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
We will disclose any Fees to you when you are approved for a Kem Card through your Kem Account, by updating these Card Terms, or through our website. We may update, add, or change Fees upon 30 days' n...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Monthly fee | unknown |
0.00 USD
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
Yes. There is no card issuance fee and no monthly or annual fee for the Kem Card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee | unknown |
0.00 USD
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
Yes. There is no card issuance fee and no monthly or annual fee for the Kem Card.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up fee | unknown |
not published
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
3.2 Fees and pricing will be disclosed in-app or on the platform prior to transaction confirmation.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | unknown | unknown |
| Foreign currency fee (differs) |
1.5 %
agora.cards checked 29 Oct 2026
Source and check
Source
agora.cards
Wording at the source
| FX Fee | 1.5% | 1.5% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
3 %
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
Foreign Exchange Fee (non USD): up to 3%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | unknown |
only in the app
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
- ATM withdrawals: Available (check app for current limits and any applicable fees)Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction fee | unknown |
1 %
kemapp.io checked 30 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
There is a 1% transaction fee on all purchases for physical and digital purchases.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| Inactivity fee | unknown |
not published
kemapp.io checked 30 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
We will disclose any Fees to you when you are approved for a Kem Card through your Kem Account, by updating these Card Terms, or through our website. We may update, add, or change Fees upon 30 days' n...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown |
The account remains active after a long period without use; no inactivity period is specified.
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
Your account would still be active for whenever you'd like to come back.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card replacement | unknown |
not published
kemapp.io checked 30 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
We will disclose any Fees to you when you are approved for a Kem Card through your Kem Account, by updating these Card Terms, or through our website. We may update, add, or change Fees upon 30 days' n...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Rewards | ||
| Cashback | unknown |
2–5 %
kemapp.io checked 29 Oct 2026
Source and check
Source
kemapp.io
Wording at the source
Pay with your Kem card and earn instant cashback — up to 5% back on food delivery, plus rides and flights across the region.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |
Highlighted rows differ.
Early warning
Watch both cards
One mail when something changes at Agora Card · Kem Card: promotions and bonuses as well as warnings and incidents.