Valygo
Valygo is a crypto card / crypto neobank ('VALYGO OMNIBANK') issued on Visa, rated 5.7/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Valygo is the strongest fit for app store / play and free issuance, and asks for ID + proof at signup — we carry it at medium-high - new platform (VALYGO LABS LLC) running a VYO/PGD token presale alongside card products; card services depend on joint development bank (lao PDR), which third-party reviewers have linked to payment and ATM failures at other JDB-based programmes after 2026 sanctions reporting; essential and premium pricing not published; iOS app has no ratings yet risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Valygo · Crypto Card / Crypto Neobank ('VALYGO OMNIBANK') |
| Official site | https://valygo.com |
| Best for | App Store / Play · Free issuance |
| Network | Visa |
| Rating | 5.7/10 (3.0★, 39 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free on the Free plan ··· |
| Monthly / annual fee | Free plan $0; Essential and Premium subscrip… ··· |
Verification and risk
| KYC required | Yes ··· |
| Risk level | Medium-High - new platform ··· |
| AVS check | No |
Funding and limits
| Crypto top-up | Yes (multi-crypto wallet; VYO and PGD platform tokens) |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Virtual card access on Free+; physical cards on Premium |
Billing
| Billing address | Subscription-tier wallet; disclosed banking… ··· |
| Billing country | Varies (card and account availability varies by country and plan) |
Platform compatibility
| App Store / Google Play | Yes |
What the issuer states on its own site
- 4,772 peak TPS in our last load test, 298,820 transactions, zero on-chain failures, run at 20% of capacity.
- ,772 peak TPS in our last load test, 298,820 transactions, zero on-chain failures, run at 20% of capacity.
Source: https://valygo.com.
How it performed in our tests
We logged 192 cleared charges out of 269 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Visa virtual cards
Frequently asked
What does Valygo cost to run?
The cost lines stack like this: issuing the card is free; there is no monthly fee on the entry tier. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Valygo?
Valygo asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (in-app identity verification required to unlock full account and card features)
How can I fund Valygo?
You can fund it with crypto (multi-crypto wallet; VYO and PGD platform tokens), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Valygo need?
Setting it up: the billing address type is Subscription-tier wallet; disclosed banking partner is Joint Development Bank (Lao PDR); the issuing region is not one country, and the issuer lists it as Varies (card and account availability varies by country and plan); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Valygo work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
How many cards can I open with Valygo?
The issuer allows Virtual card access on Free+; physical cards on Premium. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.