Goblin Card vs Vivid Money
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: Goblin Card wins overall (5.5/10 vs 4.7/10). The right pick still depends on your priority - see the flow comparison below.
 Goblin Card |  Vivid Money | |
|---|---|---|
| Overall score | 5.5 | 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 | 3.5% | 0% |
| FX fee | 0% | 1% |
| Monthly fee | none | none |
| Cashback | none | 4% |
| Regions | GLOBAL, LATAM | EEA |
Pick Goblin Card if
- Lighter KYC (No KYC vs Full KYC)
Pick Vivid Money if
- Known fee stack (3.5 vs 1.0 % equivalents on a $500/mo profile)
- Higher documented cashback (4% vs 0)
Goblin Card
The strongest physical no-KYC card pitch: a real Mastercard with ATM access, 0% FX and 0% ATM fees, XMR deposits and privacy-preserving support channels. The trade-offs are a $350 entry price, 3.5-4% deposit fees and an unlicensed custodial balance - treat it as a privacy tool, not a bank account.
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.