2Fiat vs Vivid Money
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 4.7/10). The right pick still depends on your priority - see the flow comparison below.
 2Fiat |  Vivid Money | |
|---|---|---|
| Overall score | 5.3 | 4.7 |
| 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% | 0% |
| FX fee | 2.5% | 1% |
| Monthly fee | none | none |
| Cashback | none | 4% |
| Regions | GLOBAL | EEA |
Pick 2Fiat if
- Lighter KYC (No KYC vs Full KYC)
Pick Vivid Money if
- Known fee stack (9.0 vs 1.0 % equivalents on a $500/mo profile)
- Higher documented cashback (4% vs 0)
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.
Vivid Money
Vivid's consumer crypto card is alive and regulated: free-first physical Visa, 300+ coins from EUR 1 under a Dutch AFM MiCAR CASP licence (custody via Copper), 2% default crypto trading fee and plan-capped cashback. The B2B pivot is real but the personal product demonstrably operates - with a documented 2026 freeze/support complaint pattern typical of partner-rail neobanks.