Stablecoin funding
Support balances in stablecoins such as USDT, converted to fiat when the cardholder spends.
Crypto Cards
Crypto Card Issuing Platform
No scheme membership. One API. Launched under your brand.
Bridge crypto balances to everyday spending. Issue branded cards that let your users pay at any card-accepting merchant while balances held in stablecoins or crypto convert seamlessly behind the scenes.
Launch checklist
- User holds crypto
- Card transaction starts
- Conversion at authorization
- Settlement & sync
- PCI DSS Level 1 systems
- Visa & Mastercard programs
- 150+ countries
- 35+ currencies
The problem
Launching payments usually means building a bank first.
The product is rarely the hard part. The dependencies are: scheme membership, a sponsor bank, a certified PCI environment and a stack of vendors, each with its own queue.
Scheme membership is a project in itself.
Going to Visa or Mastercard directly means capital requirements, audits and a sponsor bank before a single card ships.
Compliance becomes a second product.
PCI DSS, KYC, AML monitoring and disputes each need their own people, vendors and audit cycles.
Every vendor is another integration.
Processor, ledger, KYC and payout providers each bring their own API, contract and failure modes.
Run it yourself
One program, two ways to launch it.
Launch crypto cards under your brand Ready
Building it with a bankIdle: press Launch the program
- Apply for card scheme membership
- Negotiate a sponsor bank and BIN
- Build and certify a PCI DSS environment
- Integrate processor, KYC and ledger vendors
- Wait for scheme certification
Every dependency sits in another team's queue, and you still own the audits.
Launching it on NetPayIdle: press Launch the program
- User holds crypto
- Card transaction starts
- Conversion at authorization
- Settlement & sync
Same program. One partner, one API and one contract.
Capabilities
Crypto in, card payment out
Everything here runs on the same NetPay rails, API and dashboard.
Conversion at spend
Funds convert at transaction time, so users hold crypto until the moment they pay.
White label branding
Cards, app experience and statements all carry your platform's brand.
Virtual & physical
Instant virtual cards for online spend, premium physical cards for daily use.
Compliance-first
KYC/KYB onboarding and AML transaction monitoring built into the program on PCI DSS Level 1 systems.
Real-time events
Authorization and settlement webhooks keep wallet balances and card spend perfectly in sync.
How it works
How USDT card funding works
A guided path. We carry the regulated heavy lifting so your team ships the product.
User holds crypto
Balances stay in stablecoin or crypto in your platform's wallet.
Card transaction starts
The user pays at any merchant that accepts the card network.
Conversion at authorization
The needed amount converts to fiat to approve the payment.
Settlement & sync
The merchant settles normally; webhooks update the user's balance instantly.
Who it's for
Built for teams that move money.
- Crypto exchanges
- Wallet providers
- DeFi platforms
- Web3 neobanks
- OTC & brokerage desks
- Stablecoin payment apps
How we compare
How NetPay compares.
Every option gets you to a live program eventually. The rows show what each one asks of your team.
| Capability | NetPay | Build in-house | Legacy processor |
|---|---|---|---|
| Card scheme membership | Not needed, we sponsor | Required | Usually required |
| PCI DSS scope | On our Level 1 systems | Yours to certify | Shared with you |
| Cards, IBANs and payouts | One platform | Separate vendors | Cards only |
| Integration | One REST API and webhooks | Several vendor APIs | Batch files, legacy APIs |
| Sandbox before launch | Full sandbox | Build your own | Limited |
| Your brand | Every card, app and statement | Yes | Often co-branded |
How does a crypto-funded card work at the merchant?
The merchant sees a standard Visa or Mastercard payment. Conversion from crypto to fiat happens on the platform side during authorization, so acceptance is identical to any other card.
Which assets can fund the card?
Programs commonly support major stablecoins such as USDT, with the exact asset list configured per program during onboarding.
Is a crypto card program compliant?
Programs launch with KYC/KYB onboarding, transaction monitoring and role-based controls as standard. Compliance configuration is tailored to your markets during program setup.
Can users spend crypto in physical stores?
Yes — physical and wallet-provisioned virtual cards work at point-of-sale terminals worldwide, wherever the card network is accepted.
Launch crypto cards under your brand.
Tell us what you're building and we'll scope the right program and rails with you.