I don't know how it's possible for this virtual card to work without KYC or sending any personal information, but withdrawing money from card using with Sepa, Wire Transfer and PayPal will still require KYC verification.
I think that 15% to 20% + $5 withdrawal fees are a bit higher, so I would never use it for this but only for online payments.
5% funding fee with cryptocurrency is fine, but I think it could be lower when we compared that with other crypto cards (but they need KYC).
Do you charger any other hidden or transaction fees?