First Crypto Neobank using Shadow Accounts @Haven_Hn_ lets you deposit, shield, and spend without linking your on-chain identity to you How it works: > Every deposit is shielded by default. You send your money to a freshly generated address. > A quick AML check is performed. > Then it goes through Privacy Pools, which totally breaks the link between wallets. > After that, the money lands in your account. > This costs ~$0.2 per deposit. > It also applies to on-ramp in their app. You complete KYC, pay, and get your money, not linked to any wallet. Withdrawals work the same way. Money goes through Privacy Pools first, then lands in your wallet. Off-ramps also receive the money only after Privacy Pools, so your wallet isn't linked to anything. Crypto Card is an opt-in feature that allows you to spend directly from your account. Terms aren't clear at the moment. From what we currently have publicly, I'll highlight: - No deposit fees except ~$0.2 for shielding - Cashback won't be big, or it won't exist at all - There is a points program where you earn 100pts per $1 deposit. It isn't clear what you can do with it - Apple/Google Pay support - Visa - KYC required for card issuance What stands unclear: - FX fees - ATM withdrawal fees - Spending limits Haven offers unique privacy features for on/offramp. Their card fits perfectly in that privacy system, but it's hard to rate it now because there are no clear public terms about it