Privacy.com issues virtual 16-digit cards that hide your actual bank or card details from merchants and fraudsters. You can set spend limits, pause or close cards instantly, and lock a card to its first merchant, with paid tiers at $5, $10, and $25 a month.

• Each virtual card masks your real account number, and a card can be locked to the first merchant it's used with or set for one-time use, so a stolen number is far less useful to thieves.
• You can cap spending per card, and transactions over the limit are declined automatically, which helps with subscriptions and recurring bills.
• The FTC reported more than 2.3 million U.S. consumers suffered fraud in 2022, with nearly $9 billion in losses, which is the core problem the service is pitched against.

The article profiles Aevum, a developer SDK that uses zero-knowledge cryptography to verify user age on-device without storing identity documents, solving the regulatory pressure on apps to verify minors while avoiding privacy risks. It's positioned as a better alternative to traditional ID scanning because developers never handle personal data, yet still satisfy compliance mandates like COPPA.

• Apps face impossible tradeoffs: verify age or face legal liability, but traditional verification (uploading IDs, facial scans) destroys conversion rates and creates massive data breach targets
• Aevum generates cryptographic proof a user meets age thresholds directly on their phone using WebAssembly, with developers charging $0.03-$0.10 per verification and $499/month for enterprise tiers
• The moat comes from integration lock-in (replacing it requires re-architecting onboarding) plus cross-app identity reuse, where users verify once and get frictionless access across partner apps