Private beta · Applications open

Your Zcash.
Ready for real life.

Move from shielded ZEC to everyday purchases with one private prepaid card. Use it wherever Visa is accepted—online, in-store, and abroad.

Apply for a card Read the tech
No KYCWithin card limits
Shielded inZEC deposits
Visa outGlobal acceptance
ZCard PLATINUM 4892 •••• •••• 1054 CARDHOLDER ALEX MORGAN VALID THRU 09/31 VISA DEBIT ZEC FUNDED · PREPAID · MEMBER PROGRAM
Virtual card preview Funded with shielded ZEC

Simple flow

Three steps from shielded ZEC to checkout

  1. 01

    Get your card

    Sign up with email only. Receive a virtual Visa instantly — no ID, no bank link, no selfie.

  2. 02

    Load shielded ZEC

    Send from your shielded wallet to a unique deposit address. Balance credits after network confirmations.

  3. 03

    Spend everywhere

    Tap, swipe, or pay online at any Visa merchant — restaurants, supermarkets, coffee shops, Amazon, Uber, hotels, and more. They see a normal prepaid card, not your ZEC.

One card, everyday life

From your wallet to wherever

A familiar prepaid card experience, funded privately. Pay at millions of online and physical Visa merchants.

Food & delivery

Restaurants, cafés, takeout, and delivery.

Groceries

Supermarkets, local stores, and household essentials.

Everyday purchases

Fuel, transit, coffee, and everything in between.

Online shopping

Marketplaces, independent stores, and digital goods.

Travel & hotels

Flights, stays, car rentals, and bookings abroad.

Subscriptions

Streaming, software, hosting, and recurring services.

Tap to payOnline checkoutMobile walletsInternational

Architecture

How the technology works

ZCard separates funding privacy from spend convenience. Your shielded deposit never has to touch a KYC exchange.

⬡

Layer 1 — Shielded deposit

You fund from a shielded ZEC address using zk-SNARK proofs. The deposit is verified on-chain without exposing sender identity or full transaction graph to the spend layer.

z-addr → deposit pool → credited balance
◫

Layer 2 — Balance ledger

An internal ledger maps confirmed deposits to your card balance. This ledger stores no on-chain linkage — only allocation amounts and card ID. Withdrawals back to ZEC are optional.

confirmations ≥ N → balance += amount − fee
▣

Layer 3 — Visa prepaid rails

When you pay, the issuer authorizes against your prepaid balance via standard Visa networks. The merchant receives a normal authorization — no ZEC, no wallet address, no chain data.

auth request → balance check → approve / decline
Your shielded wallet
→
Deposit verifier
→
Internal balance
→
Visa merchant

Privacy boundary: on-chain shielded in · fiat-rail spend out. No KYC exchange in the middle.

Shielded-first

Transparent ZEC deposits may be supported with a privacy warning. Shielded is the default and recommended path.

Confirmation gating

Deposits credit after a configurable confirmation threshold to prevent double-spend and reorg risk.

Prepaid limits

Non-KYC tiers cap monthly load and max balance — standard for prepaid programs and keeps onboarding frictionless.

No account linking

Card identity is decoupled from deposit addresses. Fresh deposit addresses can rotate per load.

Privacy model

What we store — and what we don't

  • ✕ No government ID or KYC documents (within published limits)
  • ✕ No sale of transaction data to third parties
  • ✕ No requirement to unshield through an exchange
  • ✓ Minimal account data (email for recovery)
  • ✓ Shielded deposit verification only
  • ✓ Standard Visa auth logs for fraud prevention

Published limits

Max balance
$2,500
Monthly load
$1,000
Min deposit
$25 equiv.
Load fee
2%
FX fee
1.5%

Limits subject to program partner requirements. Higher tiers may require optional verification.

Early access

Apply for your ZCard

Fill out the form below to request a prepaid Visa. Applications are reviewed on a rolling basis — approved users receive setup instructions by email.

  • Virtual card issued within 24h of approval
  • No KYC within published limits
  • Shielded ZEC deposits only