UNBANK · the card · vision
Spend crypto privately.
Stay in control.
A physical card and swap layer for people who believe financial privacy isn't optional. No-KYC swaps, your own keys, Monero-friendly, and a bridge from private crypto back to everyday money. Money, quietly yours.
What you get
Spend it. Don't surveil it.
Everything you need to move money privately, without asking permission, and without pretending the regulated bits don't exist.
Minimal footprint
The swap and self-custody layers ask for no identity. The card and cash-out layers carry only what their regulated partner legally requires, and we store as little as the law allows. Privacy by data-minimisation, not by pretending rules don't exist.
Self-custody
Your keys, your coins. Top up on demand from your own wallet; we never hold deposits we don't need to. A shutdown can't freeze funds that were never ours.
Monero-friendly
Fund directly with XMR, the most private asset and the shortest path to a spendable balance, with no intermediary exchange account.
Global spend
The goal: a physical card on major rails, online, in-store, ATMs, USD/EUR and more. On the development roadmap.
Fiat rails
RoadmapMonero in. Bank balance out.
The missing bridge between private crypto and everyday money: cash out XMR, or any asset, toward a bank, neobank or card. The swap and self-custody layers stay open; the fiat and card layers carry their regulated partner's KYC and are geofenced where a licence doesn't exist.
Monero, direct to cash
Send XMR, receive USD/EUR/GBP to a bank account you choose.
- →SEPA / SEPA Instant (EU)
- →ACH & Wire
- →Faster Payments (UK)
Straight to your neobank
Route payouts to Revolut, Wise, N26, Bunq, Monzo, or any IBAN. Lands as a normal transfer.
- →IBAN & SWIFT delivery
- →Usually same business day
- →Reference line you control
Peer-to-peer cash out
Prefer local methods? Matched escrow for cash, gift cards, and local bank transfers.
- →180+ countries
- →Cash by mail / in person
- →On-chain escrow, no custodian
Fund on clean rails
Load your card or wallet from a bank transfer or voucher, settled into BTC, XMR or stables on your side.
- →SEPA / ACH deposit
- →Prepaid vouchers
- →Gift-card redemption
How it works
Three steps. No paperwork at the swap.
Join the waitlist
Follow Umbra on X for waitlist announcements and development updates. When cards ship, you order one; pay in BTC, ETH, SOL, XMR or USDT, no documents at the swap layer.
Top up privately
Swap any asset to a spendable balance through the non-custodial privacy layer. On-chain, your keys, no email required.
Spend anywhere
Tap, swipe, withdraw, use it like any card, without the surveillance side of every other card.
In development
Private payments. Everyday possibilities.
The card and cash-out features are in development. We're working toward a practical connection between private crypto and everyday spending. If you wish to support the project with funding, contact us on Twitter. Explore the development roadmap to see what's next.
Umbra live, non-custodial XMR settlement on mainnet
Private swap layer (beta)
Card program + fiat off-ramp
P2P marketplace
A network token, full terms published before any mint or sale
“The right to privacy is not the right to secrecy. It is the right to selectively reveal yourself to the world.”
, A Cypherpunk's Manifesto, 1993
FAQ
Questions people quietly ask.
Is this available where I live?
Rails availability depends on your jurisdiction. Restricted regions are geofenced at the card and fiat layers; the swap and self-custody layers stay open. It's your responsibility to comply with local law.
What data do you collect?
As little as legally possible. The swap + self-custody layers collect no identity. The card and cash-out layers inherit their regulated partner's KYC and reporting obligations, that sits with the issuer, and we don't pretend otherwise. Privacy here comes from non-custody and data-minimisation, not from evading the law.
What if you get shut down?
The swap layer is non-custodial, funds live in your wallet, not ours. If a card BIN partner changes, your crypto doesn't move. Resilience is architectural, not a promise.
How can I support development?
The card is in development. If you wish to support the project with funding, contact us on Twitter. Follow the development roadmap for product updates.
What will it cost?
A one-time card cost, a transparent swap fee, no monthly maintenance. The full fee schedule is published at launch.
Money, quietly yours.
The card and off-ramp are on the roadmap; the private XMR rail is live today. Join the waitlist and help decide what ships first.
Rails availability depends on your jurisdiction; restricted regions are geofenced at the card and fiat layers. Lawful use only. Only the non-custodial XMR leg is live today; the card and off-ramp are in development. Nothing here is investment advice.