Coming soon

Coming soon In early development

Your card. Your privacy. Your control.

Take control of how you pay online. Cipharo is exploring a smarter, more private way to manage virtual cards, protect your payment details, and stay in control of every transaction.

Explore Cipharo

Concept stage: no accounts, cards, or sign-ups yet.

Concept preview · Not a real card Illustration of two Cipharo virtual cards: one locked to a single store, one for online shopping, with a monthly spending limit and a freeze switch.

The problem

Your card details shouldn't be everywhere.

Most online payments still run on one reusable card number. Every checkout, subscription, and free trial can keep a copy, often long after you've moved on.

  • Saved in more places than you'd think

    Stores, apps, and services can each keep your card on file.

  • Hard to take back

    Removing it means tracking down every account you've ever paid.

  • One leak reaches everywhere

    If one place is breached, the number you use everywhere else is exposed too.

Today: one card number, shared with every merchant you pay.

The concept

One account. More control. Less exposure.

Cipharo is exploring a simple idea: keep your real card details to yourself, and give every merchant a card of its own. Create them, limit them, and switch them off, all from one place.

Being explored. Not available yet.

Exploring

Virtual cards

A different card for different purchases, so one leak doesn't follow you everywhere.

Exploring

Spending limits

Decide how much can be charged, per purchase or per month. Anything above it is declined.

Exploring

Subscription control

Keep recurring payments visible and manageable, with one card per service you can pause on its own.

Exploring

Privacy by design

Built around collecting less, not more. Ask only for what's needed, and explain why.

Also exploring
  • Merchant-locked cards
  • Disposable cards
  • Freeze, pause, or close instantly

Everything on this page is a concept being explored, not a service on offer. Card features depend on financial partners that aren't in place yet.

Product preview

Control, at a glance.

An early look at how Cipharo could feel: every card, limit, and subscription in one calm place. Try the controls. Nothing here is real.

Interactive concept · Not a working product

Cards

Active Limit $50 / month
  • StreamingLocked to one merchant •• 4821
  • Everyday$400 monthly limit •• 7310
  • GymPaused •• 2286
  • One-time purchaseSingle-use · Used •• 9150

Freeze in one tap

Pause a card the moment something looks off. Unfreeze it when you're ready.

Freeze this card Active. Charges are allowed.

Set the limit

Choose how much a card can spend each month. Anything over it gets declined.

$50
Spent $18.40 $31.60 left

Resets on the 1st of each month.

Every charge, card by card

See which card paid for what, and what got stopped.

  • Streaming•• 4821 · Today −$11.99
  • Coffee shop•• 7310 · Today −$4.50
  • Unknown merchant•• 4821 · Locked to Streaming $89.00Declined
  • Groceries•• 7310 · Yesterday −$62.18

Know what renews

One card per subscription. Pause one without touching the rest.

$27.97 a month, active
  • Music Renews Nov 2Paused $10.99
  • Cloud storage Renews Nov 9Paused $2.99
  • News Renews Nov 14Paused $13.99
  • Fitness app Renews Nov 21Paused $14.99

Concept designs for illustration only. Features, design, and availability may change.

Our philosophy

Privacy isn't a premium feature. It's the foundation.

Paying online shouldn't mean handing out the keys. Yet the usual way to pay asks you to share the same details again and again, with almost everyone.

We believe your financial information belongs to you. So Cipharo is being designed to share less, collect less, and keep you in charge of every card.

We won't promise perfect anonymity or zero fraud. No one honestly can. What we can do is be clear about what Cipharo does, what it doesn't, and where it stands.

  1. Transparency

    Plain language about what we collect, why, and who sees it.

  2. You decide

    Create, limit, freeze, or close. The controls stay in your hands.

  3. Collect less

    If it isn't needed, don't ask for it. Once it's no longer needed, don't keep it.

  4. Expose less

    Merchants get a card made for them, not the one behind it.

Coming soon

A more private way to pay is taking shape.

Cipharo is currently in early development. We're exploring what's possible and building toward a future where people have more control over their online payments.

Where things stand

Updated October 2026
  • Brand and conceptDefined
  • Technology and feasibilityExploring now
  • Financial partnersNot yet in place
  • Cards and accountsNot available yet

Questions, ideas, or feedback? [email protected]