Haven Card

What the Haven Card is

Haven describes itself as a neobank that keeps spending private without giving up custody. The pitch is that traditional banks gave you privacy but held your money, while crypto neobanks handed the money back but put every transaction on a public ledger. Haven's answer is a self-sovereign Visa debit card funded from pooled, shielded balances so that payments leave no on-chain trail back to your original addresses.

Status: not launched

Be clear about where this product stands. The card is a waitlist, the desktop and mobile apps are slated for Q2 2026, and fees, limits and card terms have not been published. Nothing here is a live service today.

How the privacy architecture works

Every deposit lands in a fresh address under your own key, with no social logins. Funds are then pooled with other users' through Privacy Pools, which breaks the link to your wallet, and a screening step confirms the funds are clean - if something is flagged you can pull them back to your original wallet. Withdrawals go to a temporary address, so paying a friend, moving funds or topping up the card leaves no on-chain connection to your original addresses.

What it promises at launch

A Visa debit card with Apple Pay and Google Pay, funded directly from your Haven account; PIX in and out; availability across 184 countries with 54 payment methods; on and off-ramping through a licensed provider whose identity checks are kept separate from the rest of your on-chain life. Partners named on the site include Privacy Pools, Starknet, InfinityBase, Base, Ethereum and Vero.

Haven is building a privacy-first neobank around a self-sovereign Visa funded from shielded balances, so the honest comparison today is with cards that already ship: Offgrid, which is invite-only and skips KYC, and Cake Pay, whose prepaid cards are bought with crypto. The crypto cards directory marks which of these are live.

Announced card features

• Self-sovereign Visa debit card funded directly from your Haven account.
• Apple Pay and Google Pay compatibility.
• Payments and withdrawals routed through temporary addresses, with no on-chain link to your original wallet.
• Availability in 184 countries with 54 payment methods.

Account and privacy

• Fresh addresses generated under your own key on connection - no social logins, no extra accounts.
• Shielding through Privacy Pools so deposits join a shared pool with everyone else's.
• Permissionless screening with the option to pull funds back if a check flags them.
• Identity checks handled by a licensed on and off-ramp partner, walled off from your on-chain activity.

Money movement

• PIX in and out for Brazilian rails.
• On-chain deposits, shielding and withdrawals with no single party able to link the flow to you.
• Zero-knowledge readiness described as built in from the start.

Announced rails and assets

Haven's published material centres on Ethereum, stablecoins and supported assets moving through shielded pools. The site names Ethereum, Base and Starknet among the networks involved and lists BTC, ETH, USDT, USDC, DAI and BOLD as assets in its marketing, though the exact list available to fund a card has not been confirmed.

Privacy pools at the core

Funding flows through Privacy Pools, so the asset you deposit is mixed with other users' before it reaches your fresh address. That is the mechanism that separates your identity from your on-chain history, and it is why the card is described as compliant off-chain but never linked on-chain.

What to verify at launch

Whether all supported assets can fund the card directly or only stablecoins, and how the screening step affects which deposits are accepted. Treat the published asset list as marketing until the card terms are issued.

No published pricing

Haven has not published card fees, issuance costs, FX markups, ATM charges or monthly fees. There is no fee schedule on the site, and the waitlist page collects only an email address, an optional Telegram handle and an optional referral code.

What to check when it launches

• The cost of issuing the card and any monthly or annual charge.
• The conversion spread applied when shielded balances become a merchant payment.
• Whether the card can spend from shielded balances without moving funds to a custodial account.
• Which assets the card will accept, and how refunds and chargebacks work through the privacy flow.
• Which licensed provider handles on and off-ramping and what its verification requirements are.

Cost of the waitlist

Joining the waitlist costs nothing and commits you to nothing.