Crypto Card Development
A crypto card is a payments product wearing a crypto badge. The hard parts are authorisation latency, conversion at the moment of spend, and passing a card scheme audit — not the artwork on the plastic. We build for those first.
Discuss a card programme
What We Build For Card Programmes
The platform between your users' balances and the card network.
Issuing Integration
Connected to your BIN sponsor or issuer-processor, handling card creation, activation, replacement and lifecycle events.
Authorisation Service
The service that answers approve-or-decline in the milliseconds the scheme allows, including balance and limit checks.
Conversion Engine
Crypto to fiat at authorisation, with your spread, liquidity routing and a quote that survives settlement.
Card App
iOS and Android app for freezing cards, viewing transactions, managing limits and adding cards to Apple or Google Pay.
KYC & Onboarding
Tiered verification, sanctions screening and address checks matched to the requirements of your issuer.
Ledger & Reconciliation
Double-entry ledger reconciling authorisations, settlements, refunds and chargebacks against on-chain movements.
Programme Features
Freeze and unfreeze
Instant card locking from the app, applied at the authorisation layer rather than after the fact.
Spend controls
Per-transaction, daily and monthly limits, plus merchant category and country restrictions.
Cashback and rewards
Rule-based rewards paid in your token or in stablecoin, with the accrual visible per transaction.
Instant notifications
Push at authorisation with merchant, amount, converted amount and the rate applied.
Multi-currency balances
Users hold several assets and set the spend priority, with automatic fallback when one runs short.
Operations console
Dispute handling, manual adjustments with reason codes and a full audit trail for your compliance team.
Who We Build Crypto Products For
Exchanges, wallets, payment businesses and fintechs moving real value on chain — where custody, compliance and reconciliation matter as much as the interface.
Talk to our teamCrypto Engineering Capabilities
Moving real value on chain leaves no room for approximation. This is the engineering underneath.
Key management
MPC, multi-sig and HSM-backed signing, with recovery designed before any interface work begins.
Double-entry ledgers
On-chain movements reconciled against an internal ledger daily, with alerts on any mismatch.
Audited contract paths
Anything that touches funds reviewed externally before it reaches mainnet.
Multi-chain support
EVM chains, Solana, Bitcoin and Cosmos behind one interface rather than a fork per network.
Compliance hooks
Screening, KYC tiers and transaction monitoring built into the flow, not bolted on afterwards.
On-chain monitoring
Abnormal flow and oracle deviation alerting from the first block after deployment.
How A Card Programme Gets Built
The integration constraints come from your issuer, so we start there.
Partner mapping
We work through your BIN sponsor, processor and liquidity provider capabilities before designing anything.
Core services
Ledger, authorisation and conversion built and tested against the processor sandbox.
Apps and console
Cardholder apps and the operations back office, built on the proven core.
Certification
Scheme and processor certification, then a staged launch starting with virtual cards.
Take A Card Programme Live
Tell us who your issuing partner is and what the card should do — we will map the build and where the real constraints sit.
Talk to our payments teamCrypto Card Questions
Everything you need to know about our crypto solutions work.