Kiyomi Finance Review 2026: Yomi Wallet and Card

Kiyomi Finance uses the Yomi brand for a planned crypto wallet and debit card. The product is aimed at people who want to manage digital assets and use them for everyday purchases, along with businesses seeking crypto payment tools.

Yomi describes its wallet as non-custodial and lists wallet imports, NFT viewing, swaps, cross-chain stablecoin transfers and merchant payment services. It says the card will support purchases and ATM withdrawals in more than 180 countries, but the mobile app and card are currently described as coming soon.

The site gives a 0.3% commission for swaps and cross-chain stablecoin transfers. It does not publish a complete card fee schedule, supported-token and network list, or independent security audit.

Yomi presents its wallet as non-custodial: users are meant to control their private keys and manage assets in a single interface. The site also describes importing wallets, viewing NFTs, making swaps and sending stablecoins across chains. It advertises ERC-20 gas payment and sponsored transactions, but does not list supported networks or explain which providers sponsor gas.

The planned debit card is meant to connect crypto balances with conventional card payments and ATM withdrawals. Yomi says users will be able to top up the card from a digital wallet, but does not explain the conversion process, settlement timing or custody model during card funding. The app and card are marked as coming soon.

Yomi states a 0.3% commission for instant swaps and cross-chain stablecoin transfers. It also advertises 20% off system fees for early card access, but does not specify the standard fees to which that discount applies.

Card purchases, ATM withdrawals, account services and other charges are not fully published. Check the current terms or fee display before using a service.

Yomi describes wallet protections including multisignature authorization, two-factor authentication, time-lags, device whitelisting and account recovery. These are product claims, not a substitute for an independent audit; the site does not name an auditor or publish an audit in its text. The security model for card funding and conversion is not explained.

The site says the website and mobile application are owned by LAMAROTA LTD, incorporated in Cyprus, and that cryptocurrency services are provided by UAB Choise Services, incorporated in Lithuania. It describes UAB Choise Services as registered as a virtual currency exchange operator and a custodian virtual currency wallet operator; it does not name a regulator or describe a card issuer. Check local rules and the service’s terms before using it, and do not transfer funds until the app and relevant services are available.

Yomi may interest crypto users looking for a wallet that could connect digital assets with everyday card spending, or businesses exploring crypto payment acceptance. It is not a ready-to-use choice for someone who needs a live card today: the site marks the card and app as coming soon, and users should first verify availability, fees and terms.