AnomaPay Card

What the AnomaPay Card is

AnomaPay is the payments arm of the Anoma Foundation, the Swiss entity behind the Anoma protocol. The AnomaPay Card is its spending product, marketed as "the first confidential crypto card" — a card that lets you spend crypto anywhere "without selling, completely privately". It is not live. Every card CTA on anomapay.app/card points to a Mailchimp waitlist, and the page says plainly, twice, "AnomaPay Card. Coming soon". No launch date, no card terms and no fee schedule have been published.

What the card page does commit to is a feature list: multiple ways to earn rewards, referral bonuses, fast private transactions, "ultra low fees", yield on balances, and multi-asset and multichain support. The privacy pitch is the differentiator — the site argues that other crypto cards expose your balances and history with every transaction, and positions itself as "like having a Swiss bank in your pocket: your spending stays your business".

Where the privacy comes from

The claim rests on the AnomaPay network documented at docs.anoma.net. AnomaPay V1 is live on Ethereum Mainnet, BNB Smart Chain, Arbitrum, Monad and Stable, supporting USDC, USDT, USDT0, ETH, XAUm, MON, STABLE, WBTC and XAN. It shields ERC-20 tokens into a shielded pool through a smart contract the docs call the Anoma Protocol Adapter: the pool's total balance is public, but who owns what inside it is private, and transfers between AnomaPay users are visible only to the parties involved. Because it runs on the chains you already hold assets on, there is no bridge to a separate privacy chain, and gas can be paid in the asset you are spending — the docs call this gas abstraction. The card's promise is that you spend from that shielded balance instead of moving coins to an exchange first.

Who is behind it

The published terms name the counterparty: Anoma Foundation, Gotthardstrasse 26, 6300 Zug, Switzerland. The site brands the product "Swiss made. Swiss secured" and carries a "Powered by Anoma" badge linking to anoma.net. The app is invite-gated — an invitation code is one of the data points the foundation collects — with separate entry points for individuals at anomapay.app/enter and businesses at anomapay.app/business/enter.

What the terms already say — and the gap

The terms on the site govern the software, not the card, so they answer some questions and not others. The useful commitments: AnomaPay is described as a non-custodial wallet service — "you retain sole control over your private keys" and the foundation states it does not hold, store or have access to your private keys or wallet contents at any time — and transactions through the software are "offered without fees", with gas the user's responsibility. The less comfortable parts: the software is supplied "as is", described as possibly defective and "not [to] be used in a production environment", the foundation performs no transaction monitoring, and eligibility is limited to personal use, with commercial use prohibited — which sits oddly beside a site marketing payroll, supplier payments and business transactions. The card's own issuer, network, fee schedule and limits are simply not published yet.

The practical read

Treat this as a roadmap card from a credible privacy project rather than something you can apply for today: there is a waitlist and a feature list, but no network, no issuing partner, no form factor (the site's visuals commit to neither virtual nor physical), no limits, no countries and no price. Anyone choosing a card now should compare products that are actually issuing — see the crypto cards directory, the non-custodial JAM Card, or another pre-launch programme in the MXI Card listing.

What AnomaPay says the card will do

• Spend crypto without selling — the card is positioned to convert at the point of purchase instead of requiring you to cash out first.
• Private spending — the claim is that transactions do not expose your balances or history; the site's wording is "spend your crypto anywhere without selling, completely privately".
• Multiple ways to earn rewards — no rates published.
• Referral bonuses — no amounts published, and the waitlist itself runs on a Mailchimp form rather than a referral programme.
• Earn yield on balances — no rate, term, counterparty or risk disclosure published.
• Ultra low fees, fast private transactions — no schedule published for either.
• Multi-asset and multichain support — no card asset list published; the underlying app supports nine assets across five networks.

The privacy stack underneath

• A shielded pool on EVM chains: assets are deposited into a pool whose total balance is public but whose ownership is private, known only to the holder.
• The Anoma Protocol Adapter — a smart contract deployed on every supported chain that anchors the system, controls shielded funds through forwarder contracts and verifies the cryptographic proofs authorising transfers.
• Built on the Anoma Resource Machine, the cryptographic engine of the Anoma Distributed Operating System.
• Native-chain operation — no bridging to a separate privacy chain, so you keep using the wallets, assets and networks you already have.
• Gas abstraction — transaction costs can be paid in the token being sent rather than in a separate gas token.

The payments app the card sits on, live today

• Shielded transfers in USDC, USDT, USDT0, ETH, XAUm, MON, STABLE, WBTC and XAN.
• Payment links shared by email or chat apps, plus a Telegram bot at t.me/anomapaybot.
• Confidential swaps with MEV resistance, and trading of tokenised stocks.
• Marketed use cases: splitting bills, remittances, payroll, supplier payments and business transactions.
• A separate business entry point at anomapay.app/business/enter.

Gaps a card user would hit today

• There is no card to apply for — waitlist only, with no launch date.
• No issuer and no card network are named anywhere on the site.
• No fees, limits, ATM terms or form factor are published.
• The current terms limit use to personal use and prohibit commercial use.
• Geography restrictions apply, and they cut both ways: embargoed jurisdictions are excluded while the foundation can restrict access by location.
• Rewards and yield are promised with no published economics, and the terms state that using AnomaPay entails no eligibility for compensation or incentive.

The card's own asset list is not published

The card page promises "multi-asset & multichain support" and nothing more. The assets below come from the AnomaPay app documentation, last updated 2 April 2026, and describe what the live network supports — not a confirmed card spend list.

What AnomaPay V1 supports

• Tokens: USDC, USDT, USDT0, ETH, XAUm, MON, STABLE, WBTC and XAN.
• Networks documented as live: Ethereum Mainnet, BNB Smart Chain, Arbitrum, Monad and Stable. The site's integration strip adds Solana, Base, Optimism, Tempo and Plasma as further support being added.

How spending would work

Because the wallet is non-custodial and transfers are shielded, a card would draw on the shielded pool and convert at the point of sale — the card page says explicitly that you "spend your crypto anywhere without selling". Until an issuer publishes the card's terms, treat the token list above as the network's asset coverage rather than the card's, and expect the card to be limited to whatever the eventual issuer supports.

What is published

Nothing specific to the card. The only fee statement anywhere is in the software terms: "Transactions executed through AnomaPay are offered without fees. However, you remain fully responsible for any expenses that may arise from your use of the Software (in particular gas fees)." Combined with the app's gas-abstraction design, that suggests network costs can be paid inside the transfer rather than as a separate top-up — but it says nothing about what a card would cost to obtain, hold or use.

The card line items, as far as they exist

• Setup / issuance: not published.
• Monthly or annual fee: not published.
• FX and conversion mark-up: not published — the card page stops at "ultra low fees".
• ATM withdrawals: not published, and with no form factor announced, cash access may not exist in a first release at all.
• Top-up or loading cost: not published. The wallet is non-custodial, so funding is a shielded transfer into the pool rather than a traditional card load, and any cost would sit in the on-chain transaction and the conversion.
• Rewards and yield: promised, unpriced.

What to ask before joining the waitlist

Ask for the card's issuer and network, the fee schedule, spending and ATM limits, the country list, and whether the personal-use-only clause in the current terms will still apply to cardholders. Note also that the terms disclaim all warranties, describe the software as experimental and not for production use, and state that the foundation does not monitor transactions — with no monitoring and irreversible on-chain settlement, disputed or mistaken spending is on the user.