Most card issuers ask for KYC verification, this is why we don't have so many different card options. They charge some fee, we also pay fee for payment processing and crypto-to-fiat process. Indeed our fee is not low, but some big competitors charge up to 3 times higher fees compared to us. Possible solution for us is integrating better card issuers.

Yes all we need is email address, no account is required to use our service. We also recommend using email aliases as they increase privacy.