Pillar · Spending

Stablecoin Cards

The bridge between on-chain balances and everyday spend. Issue cards that draw directly from stablecoins, with the controls a finance team expects.

01

Spend digital dollars anywhere

Stablecoin balances convert at authorization, accepted at every Visa and Mastercard merchant.

02

Issue globally in minutes

Virtual cards for employees and contractors in dozens of countries from one funding pool.

03

Programmable controls

Per-card limits, merchant categories, and instant freezes, enforced in your dashboard.

04

Real-time reconciliation

Every transaction maps to an on-chain record, closing the books faster.

Compare

Card programs at a glance

ProgramSettles inBest forFX feesRewards
Crypto-native cardsUSDC / USDTGlobal contractors0–1% FXUp to 4% crypto
Neobank cardsUSDCDay-to-day spend~1% FX1–2% cashback
Corporate programsUSDC / USDTTeam expensesCustomVolume rebates

How stablecoin cards work

When a cardholder taps to pay, the network requests authorization in local fiat. Behind the scenes, the issuer debits the equivalent in USDC or USDT from the linked balance and settles with the merchant. The user never manages a conversion, they simply spend dollars that happen to live on-chain.

Who benefits most

  • Global teams: pay contractors in markets where USD banking is slow or unavailable.
  • Treasury-light startups: fund spend from a single stablecoin pool instead of many local accounts.
  • High-FX businesses: cut conversion costs by holding and spending dollars directly.

What to watch

Compare the FX and conversion spread, custody model (who holds the keys), supported chains, and whether spend controls are truly programmable. The best programs feel like a modern corporate card, the stablecoin part is invisible.

Ready to operate at scale? Explore business accounts.