Wallets · Review
ActiveKiyomi Finance Review 2026: Wallet and Card Plans
Kiyomi Finance, branded as Yomi, describes a non-custodial crypto wallet paired with a debit card and payment services. The card and mobile app are listed as coming soon, and key details about fees, supported assets, and security remain unclear.
By the DappsAtlas editorial team · Updated
DappsAtlas score
4.5/10
Weak
Our verdict on Kiyomi Finance
4.5/10Yomi may suit people looking for a wallet that combines crypto management with a planned debit card and fiat payment tools. Its stated 0.3% fee for swaps and cross-chain stablecoin transfers is one of the few concrete pricing details, and the wallet feature list includes several account controls. The main caveat is that the card and mobile app are still described as coming soon. Yomi also leaves key questions unanswered about supported assets, total fees, and independently verified security, so users should avoid assuming every advertised feature is already available.
Score breakdown
How Kiyomi Finance scores
- Security
- 3.0/10
- Ease of use
- n/a
- Fees
- 4.0/10
- Features
- 6.0/10
Scores run from 0 to 10 and are based only on facts we could verify. Where information was missing we mark the score n/a rather than guess.
What is Kiyomi Finance?
Kiyomi Finance is presented on its website as Yomi, a crypto wallet and payments product. It describes a non-custodial multi-wallet for managing crypto and NFTs, along with swaps, cross-chain stablecoin transfers, and a planned debit card.
Yomi also advertises personal IBAN and SEPA payments, SWIFT transfers, and card use for purchases and ATM withdrawals. The site marks the mobile app and card as coming soon, and says users can pre-order a card and join a whitelist. Supported chains and tokens are not listed.
How Kiyomi Finance works
Yomi presents its wallet as non-custodial: users are meant to retain control of their private keys and crypto assets. The site describes wallet importing, asset transfers, NFT viewing, and swaps. It also says users can make transactions with ERC-20 tokens without holding the network’s native gas token, using third-party sponsored gas. The supported networks and tokens are not specified.
The planned debit card is meant to connect crypto balances with ordinary card payments. Yomi says users can top up the card from a wallet, then use it for purchases or ATM withdrawals; its payment offering also mentions IBAN, SEPA, and SWIFT transfers. The site does not explain the conversion and settlement process in detail, and the card and mobile app are marked as coming soon.
6 features
Key features
01
Non-custodial wallet
Yomi describes a wallet where users control their crypto assets and private keys. The site also lists wallet importing, sending, and balance tracking.
02
Crypto debit card
The planned card can be topped up from a crypto wallet and used for online or in-person purchases. Yomi says the card is coming soon.
03
Fiat payment tools
The site describes personal IBAN and SEPA payments, as well as SWIFT transfers. Availability and account terms are not detailed.
04
Swaps and transfers
Yomi says users can swap assets and transfer stablecoins across chains for a 0.3% commission. Supported assets and networks are not listed.
05
NFT management
Yomi describes an NFT gallery for viewing NFTs across connected wallets, with transaction history and transfer functions.
06
Account safeguards
Listed wallet controls include multi-signature approvals, two-factor authentication, transaction time-lags, and recovery options involving friends’ email addresses.
Pros and cons
What we like
- The wallet is described as non-custodial, with users retaining control of their crypto assets.
- The proposed product combines wallet management with card spending and fiat payment features.
- Yomi lists multi-signature approvals, two-factor authentication, transaction time-lags, and account recovery options.
- The site states a 0.3% commission for swaps and cross-chain stablecoin transfers.
Watch out for
- The mobile app and debit card are described as coming soon, so their availability is unclear.
- The published fee details are incomplete: a 0.3% commission is stated for swaps and cross-chain stablecoin transfers, but other charges are not itemized.
- The site does not publish an independent security audit or enough technical detail to verify its wallet safeguards.
- The wallet is described as non-custodial, but the debit card and payment services involve third-party providers and may work differently from self-custody.
- The site does not clearly state which tokens or blockchains are supported.
Kiyomi Finance fees
Yomi states a 0.3% commission for swaps and cross-chain stablecoin transfers. It also advertises no fees in 180 countries and a 20% discount on system fees for early card access, but does not explain which charges those claims cover or publish a full fee schedule. Check the relevant service terms and any charges shown before confirming a transaction or card order.
Is Kiyomi Finance safe?
Yomi describes its wallet as non-custodial and lists multi-signature approvals, two-factor authentication, transaction time-lags, and recovery options. These are product claims; the site does not publish an independent audit or sufficient technical detail to assess the implementation. Wallet users still face risks such as lost keys, malicious transactions, and software vulnerabilities.
The site names LAMAROTA LTD, incorporated in Cyprus, as the website and mobile application owner, and UAB Choise Services, incorporated in Lithuania, as the provider of cryptocurrency services. It states that UAB Choise Services is registered as a virtual currency exchange operator and custodian virtual currency wallet operator, but does not identify a regulator in the published description. The card and payment services also depend on third parties. Check local rules before using financial services. Any gambling products are not described; for financial products, verify age and eligibility requirements and use them responsibly.
5 steps
How to get started with Kiyomi Finance
- 1
Visit Yomi’s site and check which wallet, card, and payment features are currently available; the mobile app and card are listed as coming soon.
- 2
Review the service terms and available fee details, especially for card use, swaps, and cross-chain transfers.
- 3
If you want a card, use the site’s pre-order process to join the whitelist, as Yomi describes.
- 4
Wait for Yomi’s notification about card availability before relying on it for payments.
- 5
If using wallet features, review how private-key control, recovery, and any third-party payment services work before moving funds.
Who Kiyomi Finance is for
Yomi may interest crypto holders who want to manage assets and NFTs in a wallet while exploring card spending and fiat transfers. It is a weaker fit for anyone who needs a currently available card, a clearly itemized fee schedule, or independently verified details about wallet security and supported networks.
Kiyomi Finance FAQs
Is Yomi a non-custodial wallet?
Yomi says its wallet is non-custodial, meaning users control their private keys and assets rather than handing them to a wallet provider. Its debit card and payment services also involve third parties, so users should check how funds are handled when using those features.
Is the Yomi crypto debit card available?
Yomi describes a debit card that can be topped up from a crypto wallet and used for purchases or ATM withdrawals. The site says the card is coming soon and invites people to pre-order and join a whitelist.
What fees does Yomi charge?
Yomi lists a 0.3% commission for swaps and cross-chain stablecoin transfers. It does not publish a complete fee schedule for the card, ATM withdrawals, or other services.
Is the Yomi wallet safe?
The site describes wallet features including multi-signature approvals, two-factor authentication, transaction time-lags, and account recovery options. It does not publish an independent audit or enough technical detail to assess how these protections are implemented.
Where can I use a Yomi debit card?
Yomi says its card is intended for use in more than 180 countries, but does not publish a complete list of supported locations. Check the card’s availability and the rules where you live before ordering.
Does Yomi require KYC?
Yomi’s card and payment services are financial products, and eligibility or identity checks may depend on the service and location. Check local rules and the provider’s terms before using them.
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How we checked
Sources
No public sources were recorded for this review.
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