2Fiat vs PST.NET
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 4.4/10). The right pick still depends on your priority - see the flow comparison below.
 2Fiat |  PST.NET | |
|---|---|---|
| Overall score | 5.3 | 4.4 |
| BTC load | Direct BTC top-up (on-chain) | Direct BTC top-up (on-chain) |
| 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% | 1% |
| Monthly fee | none | ? |
| Cashback | none | none |
| Regions | GLOBAL | GLOBAL |
Pick 2Fiat if
- Lighter KYC (No KYC vs Full KYC)
Pick PST.NET if
- Known fee stack (9.0 vs 1.0 % equivalents on a $500/mo profile)
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.
PST.NET
A niche virtual-card service for online/media-buying use cases with crypto funding - usable for its purpose, but tier subscriptions, per-card fees and the niche positioning make it a poor general spending card.
More head-to-heads
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Compare any cards
FAQ
Which is better for privacy, 2Fiat or PST.NET?
2Fiat requires no KYC, while PST.NET 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. PST.NET: 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.