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A no-KYC crypto card hides the cardholder, never the card. On 24 October Visa starts requiring US and Canadian members to put every BIN their agents use on file — including the ones serving consumers.

Users in China are buying access to U.S. AI models through crypto-funded cards issued on U.S. BINs. We spoke with an operator inside that market — and mapped the four or five layers of resellers that sit between the program manager and the people actually spending.

Most teams assume a sponsor bank relationship means no state money transmitter licenses. The U.S. Payment Facilitator handbook shows why licensing is earned — by how your money moves and how your contracts are written.