Crypto & Stablecoin Infrastructure · Use case

Issue stablecoin-linked cards

Scope this use caseTalk to us

Short answer

A stablecoin-linked card converts the user's balance to fiat at the moment of payment, so merchants receive normal card payments. It needs a crypto provider and a card issuer working together — and an issuer willing to sponsor a crypto-funded programme.

What this use case is

A stablecoin-linked card converts the user's balance to fiat at the moment of payment, so merchants receive normal card payments. It needs a crypto provider and a card issuer working together — and an issuer willing to sponsor a crypto-funded programme.

Who builds this

Crypto wallets
Exchanges
Web3 apps
Cross-border fintechs

What your customer sees

  1. 1Orders a card in the wallet
  2. 2Spends anywhere cards are accepted
  3. 3Sees the balance reduce in stablecoins

How Crypto & Stablecoin Infrastructure solves it

1

Card issued on an issuer's BIN

Card issued on an issuer's BIN

2

Authorisation request arrives

Authorisation request arrives

3

Stablecoin balance checked and reserved

Stablecoin balance checked and reserved

4

Converted to fiat for settlement

Converted to fiat for settlement

5

Merchant paid through the scheme

Merchant paid through the scheme

6

Balance and history updated

Balance and history updated

Want to have

  1. Issuer willing to support crypto-funded programmes
  2. Real-time balance check at authorisation
  3. Conversion at authorisation or settlement
  4. Compliance on both sides
  5. Wallet tokenisation

Optional

  1. Multi-asset funding
  2. Cashback in stablecoins

Design decisions

Conversion timing

At authorisation
At settlement

price certainty versus simplicity.

What to put in your RFP

Issuer and regions

  • Issuer and regions

Authorisation and conversion

  • Authorisation and conversion

Compliance

  • Compliance

Tokenisation

  • Tokenisation

Economics

  • Economics
Add these to an RFP

How to evaluate providers for this use case

  1. 1Live programmes
  2. 2Authorisation reliability
  3. 3Conversion pricing

Pitfalls

  • Issuers withdrawing support for crypto programmes
  • Conversion timing mismatches
  • Unclear responsibility for disputes

What providers will ask you

  1. Markets
  2. Users and spend volumes
  3. Your permissions

Other Finlane categories that cover parts of this

This use case is solved mainly with Crypto & Stablecoin Infrastructure. These categories cover specific parts of it and can be tendered alongside it.

Card Issuing

The card programme and BIN sponsorship

KYC, KYB & Identity

Cardholder verification

Frequently asked questions

Other Crypto & Stablecoin Infrastructure use cases

Add a fiat on/off-ramp to a wallet or app

Let users buy and sell crypto with cards, bank transfer or local methods, with KYC handled by the provider.

Custody assets for a regulated product

Store customer assets with a licensed custodian using MPC or HSM key management and clear insurance terms.

Settle B2B payments in stablecoins

Move USD/EUR value across borders on stablecoin rails with instant settlement and automatic fiat conversion.

Scope issue stablecoin-linked cards with Crypto & Stablecoin Infrastructure providers

Scope this use case