2Fiat vs Moon
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 3.8/10). The right pick still depends on your priority - see the flow comparison below.
 2Fiat |  Moon | |
|---|---|---|
| Overall score | 5.3 | 3.8 |
| BTC load | Direct BTC top-up (on-chain) | Direct BTC top-up (on-chain) |
| BTC sale timing | Not documented | Not documented |
| KYC | No KYC | Basic KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 6.5% | not documented |
| FX fee | 2.5% | 0% |
| Monthly fee | none | none |
| Cashback | none | none |
| Regions | GLOBAL | GLOBAL |
Pick 2Fiat if
- Lighter KYC (No KYC vs Basic KYC)
Pick Moon if
- Known fee stack (9.0 vs 0.0 % equivalents on a $500/mo profile)
- Lightning top-up support
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.
Moon
Watch - do not load funds. The Lightning-funded virtual card worked until late November 2025, then cards were blocked en masse and withdrawals stalled (documented cases). Support has gone silent while the site still markets the product.
FAQ
Which is better for privacy, 2Fiat or Moon?
2Fiat requires no KYC, while Moon requires Basic 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. Moon: 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.