Comparison
Nocturne Card vs. WaldenPay Card: fees, limits & KYC
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Nocturne CardNocturne
-
Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
WaldenPay CardWaldenPay
In short
- WaldenPay Card has the higher score (73.17).
| Attribute |
Nocturne CardNocturne
No KYC
Private & business
Virtual
|
WaldenPay CardWaldenPay
No KYC
Private & business
Virtual
|
|---|---|---|
| Score | good | good |
| CostsWeight 25 % | 98 | 88 |
| KYC and privacyWeight 20 % | 70 | 53 |
| FeaturesWeight 15 % | 62 | 81 |
| AvailabilityWeight 10 % | not scored | 98 |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 50 | 89 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: No ID | KYC: No ID |
| Limits (entry level) |
|
|
| Basics | ||
| Card form |
prepaid
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
Prepaid, so the real answer is: spend what you hold.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
prepaid
waldenpay.com checked 29 Oct 2026
Two sources, two values
Shownprepaid
waldenpay.comchecked 29 Oct 2026
A prepaid card draws on funds loaded beforehand. It doesn't provide a credit line, and opening a WaldenPay account doesn't create a bank account. Someone searching for a "waldenpay crypto debit card"...Differingvalue not recorded waldenpay.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
| Card types |
virtual
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
A virtual card on real bank rails. Choose your card when you create it.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
The WaldenPay virtual crypto card is a virtual prepaid card funded with 135+ cryptocurrencies across 35+ networks.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card network (differs) |
not published
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
NetworksStruck at issuingChecked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Custody |
custodial
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
Yes. A deposit converts to dollar balance at a rate quoted before you send, and your cards spend from that balance, so there is no second conversion at checkout.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
custodial
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Deposits are processed through secure wallet infrastructure with segregated hot and cold storage and continuous monitoring. Card balances are held separately from crypto deposits, limiting exposure in...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding model |
fiat balance
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
Yes. A deposit converts to dollar balance at a rate quoted before you send, and your cards spend from that balance, so there is no second conversion at checkout.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
fiat balance
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
WaldenPay converts crypto into card balance at loading time, rather than at each purchase. Its virtual prepaid card supports online checkout and Apple Pay or Google Pay, subject to merchant acceptance...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currencies |
USD
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
If a purchase is not in dollars, the network converts at its lowest regular rate and our FX markup is 0%.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USD
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Your card balance is held in USD. When you pay in another currency, the card network (Visa/Mastercard) applies its standard exchange rate. WaldenPay does not add its own foreign transaction markup.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage |
personal, business
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
### Paid media Ad accounts billed clean. Approvals, not reviews. ### Subscriptions Streaming, memberships and tools, each on its own card. ### Travel Rides, stays and flights. Tap or book online....Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal, business
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
From everyday purchases to business expenses — real ways people use their WaldenPay cardChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsor (differs) |
not published
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
Cards are issued by licensed partner institutions; Nocturne is not a bank.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Limits depend on (differs) |
account tier
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
Ceilings are generous and the card's own — the exact figures live on each card's page in your dashboard, and they lift as your volume growsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
KYC level
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Maximum top-up amounts, per-card spending caps, and daily limits can vary by verification tier and payment network, and these are exactly the kind of numbers that change as the product evolves.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Cards per account | unknown | unknown |
| Availability | ||
| Available in (differs) | unknown |
Not available in: Afghanistan, Belarus, Cuba, Iran, Myanmar (Burma), North Korea, Russia, Syria
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Accounts cannot be opened, and cards cannot be issued or loaded, from the following jurisdictions: North Korea (DPRK) Comprehensive UN, EU and US sanctions; FATF counter-measures Iran Comprehensiv...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assets (differs) |
BTC, ETH, USDT, USDC, LTC, XMR
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
Six assets: BTC, ETH, USDT, USDC, LTC, XMR.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
BTC, ETH, USDT, USDC, SOL, TRX, LTC
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
The waldenpay virtual crypto card supports funding with 135+ cryptocurrencies across 35+ networks, including BTC, ETH, USDT, USDC, SOL, TRX, and LTC. Those examples aren't an exhaustive directory.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets (differs) | unknown |
135
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
The waldenpay virtual crypto card supports funding with 135+ cryptocurrencies across 35+ networks, including BTC, ETH, USDT, USDC, SOL, TRX, and LTC.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up networks (differs) | unknown |
Bitcoin, Ethereum, Tron, BNB Smart Chain, Solana
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Send from whichever chain is cheapest for you — TRON, Ethereum, Solana, BNB Chain, Bitcoin and 30+ more. TRC-20 transfers usually cost under $1.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fiat top-up | unknown | unknown |
| Payments | ||
| Mobile wallets |
Apple Pay
Google Pay
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
Mobile walletsGoogle Pay on Shadow and Aurora · Apple Pay on AuroraChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Cardholders can use its details online or add it to Apple Pay and Google Pay for supported in-store payments.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawals (differs) |
No
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
A card is also not a way to move cash. ATM and manual cash withdrawals decline under the closed categories above.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Contactless |
Yes
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
Tap wherever contactless is taken, from checkouts to transitChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Add the virtual card to your phone's wallet and pay contactlessly in physical stores — your crypto works at the checkout counter, not just online.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs) | unknown |
10.00 USD
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
$10 Card issuance One-time, when you create your cardChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance |
not applicable
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
A virtual card on real bank rails. Choose your card when you create it.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
WaldenPay currently issues virtual cards only. A virtual card covers online spending and, through Apple Pay and Google Pay, most in-store payments too. Physical cards are on our roadmap.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cards | unknown | unknown |
| Shipping |
not applicable
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
FormatVirtual, issued in about a minuteChecked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
not applicable
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
WaldenPay currently issues virtual cards only. A virtual card covers online spending and, through Apple Pay and Google Pay, most in-store payments too. Physical cards are on our roadmap.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Monthly fee |
0.00 USD
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
No, the monthly fee is $0.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
$0 Monthly fee No recurring charges, everChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual fee (differs) | unknown |
0.00 USD
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
No. WaldenPay has no recurring fees of any kind. You pay only when you load the card, so an unused card costs you nothing.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up fee | unknown | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee |
0 %
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
Deposits are credited at par minus a flat deposit fee of 0.49% per deposit, the same on every asset.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0 %
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
WaldenPay's top-up fee starts at 5% and drops to 3% with volume — with no exchange spread and no monthly fee, you know the exact cost of every load upfront.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Foreign currency fee (differs) |
0 % above the network rate
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
If a purchase is not in dollars, the network converts at its lowest regular rate and our FX markup is 0%.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee (differs) |
not applicable
nocturne.cards checked 29 Oct 2026
Source and check
Source
nocturne.cards
Wording at the source
A card is also not a way to move cash. ATM and manual cash withdrawals decline under the closed categories above.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Transaction fee | unknown | unknown |
| 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 (differs) | unknown |
0.00 USD
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
There's a one-time $10 card issue fee and no monthly maintenance charge. Topping up the card carries a fee starting at 5% and dropping to as low as 3% based on rolling 30-day card spend. Holding an in...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Minimum monthly spend | unknown | unknown |
| Inactivity rule | unknown | unknown |
| Card replacement | unknown | unknown |
| Rewards | ||
| Cashback | unknown | unknown |
| 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 Nocturne Card · WaldenPay Card: promotions and bonuses as well as warnings and incidents.