Issuing & networks
Daniel Mercer
Holds the scheme and issuing relationships; the reason a card minted at midnight clears at 12:01.
The company
A quiet company, on the record.
Nocturne is run by Noctavel LLC, a limited liability company registered in Sheridan, Wyoming. The fees are published, the filings are current, and the customer file is nearly empty by design. This page is the record.
Noctavel LLC · Sheridan, Wyoming · est. 2026
The record
Paper, where paper is owed.
A private team is a choice; a lawless one is not. The registered entity and the whole business model fit on one sheet; the formal documents say everything slower.
The registry
- Registered entity
- Noctavel LLC
- Form
- Limited liability company
- Jurisdiction
- Sheridan, Wyoming, United States
- Standing
- Filings current, held at the registry
- Issuing
- Licensed partners under the card networks' rules
The business model
Revenue
the rate card
All of it: card prices, loads at 5% → 3.5% over the last 30 days, $0 payments, 0.49% deposits. Every line is published.
Never revenue
your data
Nothing is profiled, resold or rented; the customer file barely exists.
FX
0% added
Foreign spend clears at the network's own rate; we add nothing on top.
Monthly
$0
$29 of spend a month keeps a card active; idle cards retire with the balance returned first.
The slow documents
Terms of servicePrivacy policyThe full rate cardFees on the table keep your file off it; that is the whole trade.
The people
Who runs the night.
Four desks answer for everything you touch: the rails, the ledger, the keys, and the desk that writes back at 03:00. This is who the work reports to.
Treasury & ledger
Elena Marsh
Reconciles every deposit against the chain, nightly. The books close daily, not quarterly.
Security
Marcus Hale
Threat models, key ceremonies, incident drills; paid to assume the worst so the cards do not have to.
The night desk
Nadia Reyes
Runs support through the night; has never needed your name to fix a problem.
Directors and audited statements reach partners, banks and regulators; the desks above answer to you.
The customer file
What we hold. What we never ask.
Signing up takes an email or an access token. No KYC, no documents, no ID. Below is the complete file an account ever creates, what each entry is for, and how long it lives.
On file · why
Lives for
A sign-in credential
An email or an access token, whichever you choose, stored one-way hashed
until you close the account
Balance and card state
A prepaid card needs a ledger to authorise against
while the card lives
Card transactions
Authorisation, 3-D Secure and disputes, processed at the issuer
as network rules require
Deposit txids
Credits your load and answers whether it arrived
90 days, then aggregates only
Never asked
- Legal name
- Government ID
- Selfies or biometrics
- Residential address
- Phone number
- Browsing profile
Not deleted on request; never created at all.
Lawful use, enforced
Sanctioned jurisdictions and barred merchant categories decline at the network level, by code. Compliance is a feature of the rails, not a promise.
Card details are shown once and live encrypted; what was never collected cannot leak.
The formal policyPrivacy questionsThe night desk
A human, awake.
The desk runs through the night. Bring anything, at any hour: a person reads every message and answers it.
We hire quietly
Send work you have signed under any name you like: a repo, a teardown, a write-up. Say which desk it argues for.
Argue for a desk
Judge us by the card.
No pitch deck, no promises: the fees, the filings and the product speak for the house, and a card is live in about a minute.
Cards from $15 · Eclipse ad card $5 · no KYC, no ID