2Fiat vs Bitso Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: 2Fiat wins overall (5.3/10 vs null/10). The right pick still depends on your priority - see the flow comparison below.
 2Fiat | Bitso Card | |
|---|---|---|
| Overall score | 5.3 | not documented |
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| BTC sale timing | Not documented | Not documented |
| KYC | No KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 6.5% | not documented |
| FX fee | 2.5% | not documented |
| Monthly fee | none | ? |
| Cashback | none | none |
| Regions | GLOBAL | LATAM |
Pick 2Fiat if
- Lighter KYC (No KYC vs Full KYC)
Pick Bitso Card if
- you match none of 2Fiat's edge cases - the closer score makes it the default
2Fiat
A Monero-capable virtual Mastercard with Apple/Google Pay support and $10-$10,000 loads - a rare direct-XMR card. Until fees, limits and the operator behind it are verifiable, treat it as an unverified lead: fund only what you can afford to lose.
Bitso Card
FAQ
Which is better for privacy, 2Fiat or Bitso Card?
2Fiat requires no KYC, while Bitso Card requires Full KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
2Fiat: Not documented. Bitso Card: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.