@KarmaWallet

Karma is a crypto neobanking app combining non-custodial wallet, Visa card, IBAN, and Solana-based trading in one interface.

The app is live on mainnet with real card spending activity and a native $KARMA token trading on Solana.

Recently submitted U.S. regulatory docs for expansion, currently active in Europe with multi-wallet support and social trading features.

Green flags: Live product with real card spending growth shown in recent tweets · Multi-wallet support and IBAN/Visa card integration creates tangible utility · Small following (7.7k) despite functional product indicates early-stage · Active development cadence with social trading and U.S. expansion in progress · $KARMA token deployed on Solana with real liquidity

Red flags: Neobanking/fintech requires heavy regulatory compliance which is execution risk · Competitive space with established crypto card providers (Crypto.com, Coinbase Card) · Token utility unclear beyond app branding