Karma Card

What Karma is

Karma is a self-custodial crypto super app built around a single stablecoin balance. From that balance you can trade across chains including Solana and Base, spend with the Karma Card at Visa merchants, and receive euros, dollars and pounds through real account details, with funds settling into stablecoins you control rather than into an account held by the company.

The card

The Karma Card is a Visa crypto card accepted at 80M+ merchant locations according to the app listing, with zero fees advertised. Because the app is self-custodial, the balance is yours and the card spends from it - the same architecture as other self-custody cards in this directory, where the wallet holds the money and the card program provides the acceptance layer.

The KARMA token

Karma operates its own token, live on Robinhood Chain, and the site currently directs holders of KARMA v1 to a migration page to move to v2. Token migrations of this kind are a signal to treat carefully: they usually accompany a change in contract or chain, and the period around a migration is when holders are most exposed to confusion, phishing links and mistaken contract interactions. Always reach a migration link from the project's own site or social channels rather than a message.

What to weigh

This is an early-stage product. The proposition - self-custody, one stablecoin balance, multi-chain trading, card spending and real EUR, USD and GBP account details - is ambitious, but Karma publishes no fee schedule beyond a zero-fee claim, no spending limits and no cashback. Treat it as promising but unproven, and keep balances modest until the terms are clearer.

Karma is a self-custodial super app that trades across chains including Solana and Base and settles spending on a Visa card. Karta puts the same idea inside Telegram with a Visa Signature card, and the Solflare Card is the single-chain equivalent. The crypto cards directory lists which chains each covers.

Spending

• Visa crypto card accepted at 80M+ merchant locations, per the app listing.
• Spend from a single stablecoin balance rather than juggling multiple chain balances.
• Zero fees advertised; a full fee schedule is not published.

Wallet and trading

• Self-custodial wallet with built-in token swaps.
• Trade across chains including Solana and Base from one balance.

Receiving money

• Receive euros, dollars and pounds through real account details, settling into stablecoins you control.
• Funds stay in self-custody rather than in a custodial account.

Platform

• iOS and Android apps.
• KARMA token live on Robinhood Chain, with a v1 to v2 migration in progress.
• Partnership programme for fintechs, exchanges, wallets and payment providers.

One stablecoin balance

Karma's design centres on a single stablecoin balance rather than separate balances per chain, which is intended to make spending simpler: you do not need to move funds to a particular network before the card can use them. Trading across Solana, Base and other chains happens from that same balance.

The KARMA token

Karma also operates its own token, currently migrating from v1 to v2 on Robinhood Chain. Holding a project's native token is not required to use the card, and the two should be considered separately: the card is a payments product, while the token is a speculative asset with its own supply and contract risks.

Fiat rails

Unusually for a self-custody app, Karma advertises real account details in euros, dollars and pounds for receiving funds, with balances settling into stablecoins you control. That combination - fiat rails in, stablecoin balance held, card spend out - is the core of the product, though the conversion rates applied at each step are not published.

What Karma publishes

• Zero fees advertised across the app and card
• No annual or monthly fee stated
• Self-custodial balances with one stablecoin balance across supported chains

What is not published

Karma's site does not publish a card fee schedule, FX conversion spread, ATM withdrawal cost, spending limit or cashback rate. A blanket zero-fee claim is a marketing position rather than a fee table, and for a card with real account details there will be costs somewhere in the stack - conversion between stablecoins and fiat at receiving, for instance, or spreads on swaps inside the app.

Token considerations

Karma has its own token and is currently migrating holders from KARMA v1 to v2. Token migrations carry specific risks: contract address changes make it easy to interact with the wrong contract, and impersonation attempts rise during the transition. Any migration should be done through a link reached from Karma's official site or channels, never from a direct message or search result.