Thank you. I’d missed the “Credit” card part.
What’s your affiliation with rain.xyz?
Yes, as @Anvil pointed out, the question was whether you have plans to develop your own contactless payment app where you can directly use the virtual cards for contactless nfc payments in stores. Something in the likes of this, this or curve pay (except curve pay allows adding any card, an Halocard Pay app just for halo cards would already be fantastic).
If you’re not aware: Many users here use GrapheneOS and you can’t use NFC Payments in Google wallet since google restricts it with their play integrity checks.
Yes. I have never heard of India being flagged by other countries for banking. Would appreciate a list of all the countries.
What is expected spend?
Not comfortable with this. Especially with what’s going on in the US right now. If you were based in the EU I would be slightly more open to consider it.
I am curious, can people who are citizens of multiple countries use any ID?
For example, suppose I am citizen of Italy, Canada, and Ecuador.
Can I use my Ecuadorian passport to verify my ID, even though I have never been there?
Link already shared above.
I don’t understand why the following countries are restricted:
India, Myanmar, Nepal, Vietnam, Turkey, Nicaragua.
Would appreciate more details.
Folks who live or have lived long term in these countries know why. But its mostly the regulatory issue and the governments not being pro fintech like this. But I don’t know or have details with specificity.
Another related question I have is, once a user has provided KYC, will they be expected to provide it again at any point in the future?
Also answered above. Short answer: No.
Having now fully read through this privacy policy, I am not comfortable being subject to an entity that’s not Halocard. I can trust this service but I am unwilling to extend the trust given their policy - atleast at this time from what I read and understood. Reserving the right to keep storing any or all piece of info used to verify identity is just out of the question. Verify and verifiably ensure for delete info - that’s the gold standard one should aim for in 2026 seeing how ubiquitous data breaches are. Sorry.
I’ll also keep up with folks talking about it here and see what they think and have to say.
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That means that if I’m 18 and provide my learner’s driver’s license, which is a legal ID document in most countries, I will not need to verify my identity again. Not when I’m 25. Not when I’m 35. Not when I’m 45. Good to know.
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Also, if those ID details change like your address, no verification again cause.. who’d know? Unless the KYC verification partner of Halocard keeps track of such changes somehow and has Halocard ask you to verify again (which technically they can if you read their policy).
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Tried registering with a phone number from the European region. Didn’t work.
jmp.chat works
My own phone number didn’t. Please let OP answer.
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No one is stopping from OP answering. I’m just sharing my experience.
It’s also everyone’s choice to engage here or not.
This is true, but in various countries, many mainstream banks provide virtual credit cards (VCC). Ideally, I would not want my bank to know about the purchases I make with my VCCs.
However, between trusting my own established bank or a faceless company as my VCC provider, I would rather take the risk of trusting my bank who already has my IP.
I can physically go to my bank if I experience any issues. My bank currently doesn’t change me for my VCCs and I have over 10, because most of them are used with a single merchant.
If more and more banks provide VCCs at low to no extra cost, it’s going to be very hard for services like Halocard and Privacy.com to compete. For me, the advantage of service like Halocard, is that I can also hide my location because my VCC will be linked to a country I have no ties with, unlike the VCCs I currently use with my bank. But if it’s too expensive it’s not worth it.
Yes, and will also support receiving same-day ACH and wire transfers (subject to a fee from the FedWire network).
Great question and I was hoping someone would take the time to read through their privacy policy. KYC was a difficult topic for us given our core focus on privacy. We vetted 8 major KYC providers before landing on Sumsub.
You’re not reading too far into their policy and using AI to detect fraud, extracting facial features to match your selfie against your ID, and the liveness check where you blink or smile appear in every single providers’ privacy policy in one form or another because that’s how modern identity verification is evolving. There’s no other way to confirm that someone is who they say they are without those steps, while at the same time constantly evolving to defend against new techniques used by bad actors to game the system (essentially good AI vs bad AI).
We landed on Sumsub because they had the clear(est) data retention and deletion policy and are one of the most widely used, so if you’ve performed KYC via them anywhere else before, your existing check can be re-used.
You’re right in that KYC is inherently de-anonymizing and at the same time we live in a payments world dominated by two monolithic networks; Visa and Mastercard and legislated by large governments that set the rules of participation.
Our goal is to give people the chance to participate in the simplest way and with the best possible privacy posture, given the constraints.
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Yes, although the most reliable technical solution to facilitate this nowadays is via Plaid but as mentioned, not everyone in the world has a US bank account.
That’s a valid choice and I respect that. If your objective is to use cash or monero to make payments anonymously, we unfortunately can’t help you.
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Thank you for clarifying. The first two examples you linked are apps that support a contactless payment method enabled by NFC on a german-specific debit payment rail called Girocard and Curve Pay supports a contactless payment method enabled by NFC that uses the Mastercard network.
Now I see what you are both asking. We only support contactless payments with NFC via Apple Pay and Google Pay with no plans to create a native NFC payment method.
So to take your GrapheneOS user example, if they wanted to use Halocard on their GrapheneOS device and Google Pay wasn’t supported, unfortunately they couldn’t use Halocard for an in-person or contactless purchase. A physical card might be the best alternative here.
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