Crypto Debit & Prepaid Card Off-Ramp Platform

Kulipa's card platform enables wallet providers and fintech applications to offer seamless crypto-to-fiat off-ramp functionality through branded Visa and Mastercard debit and prepaid cards, accepted at over 37 million merchant locations across 210 countries.

Product Overview

Kulipa provides a white-label card-as-a-service infrastructure that converts stablecoins to fiat at point of sale through card network rails. The platform supports USDC, wrapped stablecoin versions, and Paxos across EVM chains, Layer 2 networks, and Solana. Founded by a former Mastercard and Spendesk executive, Kulipa is a member of the Mastercard Crypto Partner Program.

Key Features

• Debit Card Off-Ramp: Accesses user wallet balances directly without pre-funding or top-ups, enabling real-time USDC-to-fiat conversion at point of sale
• Prepaid Card Off-Ramp: Two-step model where users load funds from their crypto wallet into a secure custodial wallet, ideal for faster time-to-market launches measured in weeks
• White-Label Customization: Full client branding across physical, digital, and virtual card formats with gas costs covered by Kulipa
• Multi-Wallet Support: Compatible with Externally Owned Accounts, Account Abstraction, and Multi-Party Computation across custodial and self-custodial setups
• User Controls: On-the-fly card issuance, spending limits, and card blocking/freezing with free default pricing
• Mobile Wallet Integration: Apple Pay and Google Pay support for NFC-enabled mobile payments

Use Cases

Designed for crypto wallet providers, fintech applications, and Web3 companies seeking to offer their users seamless crypto-to-fiat spending capabilities. Notable clients include Argent, Ready, Privy, Solflare, Beans, and Request Network. Kulipa handles compliance, fraud detection, and third-party integrations, allowing clients to focus on their core product.