A QUIETCOMPANY.
registered, audited, and deliberately unfamous.
Nocturne is a small Hong Kong company that publishes its fees, signs its work and keeps its people private. Partners, banks and regulators get directors and filings; the internet gets a product that speaks for itself.
Sheung Wan, Hong Kong · the floor at night
FUNCTIONS, NOT FACES.
We publish what each desk is answerable for instead of who sits at it. No personas, no founder bios — those belong to the filings, and the filings go to the people entitled to them: issuing partners, banks, regulators.
Issuing & networks
Holds the issuing and scheme relationships. Knows our directors by name, in writing — so you don't have to.
Treasury & ledger
Reconciles every top-up against the chain, every night. The books close daily, not quarterly.
Security
Threat models, key ceremonies, incident drills. Paid to assume the worst so the cards don't have to.
Product & design
Every screen, fee line and sentence on this site. If something reads in one breath, it crossed this desk.
Support
Awake when the cards are: nights, weekends, every time zone. Has never once needed a name to fix a problem.
Engineering — open desk
Applications are judged on signed work: a repo, a teardown, a write-up. Under any name you like.
Argue for the deskHow we operate
Small by intent
One registered office, a handful of desks, no growth theatre. The product stays simple because the company does.
No data side-hustle
The rate card is the entire business model. We make money when you load a card — never on who you are, never on where the data could be resold.
Accountable without being public
No founder press tour, no faces on stages. Directors, filings and audited statements go to partners and regulators — accountability runs through paper, not personal brands.
HOW THE HOUSE EARNS.
A privacy company that won't say how it makes money is asking you to guess. We'd rather show the ledger: three lines of revenue you can read on the rate card, and a standing list of things that will never become one.
The full rate cardCard creation — $25 / $50
Pays the issuing rails: a real Visa or Mastercard minted against a crypto balance. Both cuts spend everywhere — Shadow is $25; Aurora adds Apple Pay, Google Pay and tap for $50.
Card load fee — 5% to 4%
Taken when you move balance onto a card — money in is just 0.49%, so balance you never load barely costs a thing. Runs the programme: processing, the fraud buffer, and a human awake at 3 a.m. Volume lowers it automatically; spending never pays a percentage.
Spending fee — 30¢ flat
Covers network authorisation on every charge. Flat and published: a $3 espresso and a $3,000 checkout pay the same thirty cents — never a slice of the cart.
Never revenue
- Selling or renting data — there is none to sell
- Selling ad space or sponsored placement on these pages
- A hidden FX markup — USD and EUR spend at 0%, other currencies pass the network's ~1% through at cost
- Premium tiers that ransom the real limits
Fees on the table keep your file off it — that's the whole trade.
The story so far
A perfectly funded card, declined at 2 a.m. — for the crime of starting life as crypto. The wrong kind of motivation found the right people.
Issuing partners signed, the vault architecture built, Monero made a first-class citizen instead of a footnote.
Access opens in waves while the rails are hardened. You are here.
Field notes
PAPER, WHERE REQUIRED.
A private team is a choice; a lawless one is not. The programme operates under a registered Hong Kong entity, and the formal documents say everything slower.
01
Registered
A private limited company in Hong Kong — filings current, registry searchable, paper where paper is owed.
02
Real rails
Cards are issued through licensed partners under Visa and Mastercard rules. Our issuing partners know exactly who we are.
03
Screened
Sanctioned jurisdictions and barred merchant categories are blocked at the network level — by code, not by promise.
04
Disclosed where it counts
Directors and audited statements go to partners, banks and regulators under NDA. Diligence is welcome; voyeurism is not.
We hire quietly
No résumé theatre, no video-call gauntlets. Send work you've signed under any name you like — a repo, a teardown, a design, a write-up — and tell us which desk it argues for.
JUDGE US BY THE CARD.
No founders to follow, no faces to vet. The fees, the filings and the product speak for the house — mint a card and hold us to all three.