KemyCard asks holders to hand over up to $400,000 to a company that names no beneficial owners, won't name its issuing bank, contradicts its own compliance claims on its own homepage, and carries a "Likely Unsafe" rating from an independent scanner. That's a Poor score before a single fee is counted. The fees then close the case: 8% on deposit, 3.5% + $1 per purchase, monthly charges, undisclosed ATM and FX costs, and no rewards to offset any of it. The one thing the card offers — very high limits with fast virtual issuance — cuts the wrong way here. It enlarges the exposure instead of the value, since every dollar of that headroom sits with an unaccountable custodian. Until the open questions resolve — a named issuing bank, a confirmed US signup path, the hidden ATM and FX schedule — KemyCard has no place on a recommended list, US or otherwise. If it appears anywhere, it belongs in risk-flagged context only. Resolving those questions could push the score lower. It's hard to see what would push it higher.