this post was submitted on 09 Dec 2023
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Monero

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Monero (XMR) is a decentralized cryptocurrency. It uses a public distributed ledger with privacy-enhancing technologies that obfuscate transactions to achieve anonymity and fungibility. Observers cannot decipher addresses trading monero, transaction amounts, address balances, or transaction histories.

The protocol is open source and based on CryptoNote, a concept described in a 2013 white paper authored by Nicolas van Saberhagen. The cryptography community used this concept to design Monero, and deployed its mainnet in 2014. Monero uses ring signatures, zero-knowledge proofs, "stealth addresses", and IP address–obscuring methods to obfuscate transaction details. These features are baked into the protocol, though users can optionally share view keys for third-party auditing. Transactions are validated through a miner network running RandomX, a proof-of-work algorithm. The algorithm issues new coins to miners, and was designed to be resistant to application-specific integrated circuit (ASIC) mining.

Monero has the third-largest developer community among cryptocurrencies, behind Bitcoin and Ethereum. Its privacy features have attracted cypherpunks and users desiring privacy measures not provided in other cryptocurrencies

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Where can I signup for a monero debit card without a phone?

There are a number of "cryptocurrency debit card" providers -- services that issue you a traditional visa/mastercard/etc debit card that allows you to pay for purchases in fiat, but where the balance of the card is automatically converted from your cryptocurrency balance stored on their custodial wallet.

Note that a "cryptocurrency debit card" is distinct from gift cards in that the balance lives in an account below the debit card, not on the card itself. This is important because otherwise you may end-up with tons of different cards with low balances. It's important for my business that I can pay invoices with a single card, and if that card expires then the balance can simply be spent on the card's replacement.

Unfortunately, I've been unable to find any providers that do not require a phone to be linked to the account.

For security reasons, I do not mix insecure devices like my phone with high-risk accounts like financial services. Therefore, it's important that I find financial services that don't require a phone number to be linked to the account (shudder at the thought of implementing 2FA over SMS) or an app.

Coinsbank requires a phone number. Wirex requires a phone number. Cryptopay requires an app (which grants access to the account to a phone). Unbanked (Ternio) is dead.

Where can I get a "monero debit card" without a phone?

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