White Label Crypto Card Solution

ChainUp's white-label crypto card solution enables businesses to launch branded physical and virtual cryptocurrency debit cards that seamlessly bridge digital assets with real-world commerce. The cards are VISA/MasterCard-backed and accepted in 180+ countries.

Core Features

Worldwide Acceptance: Cards function globally with:

• VISA and MasterCard network support
• Acceptance at 180+ countries worldwide
• Point-of-sale (POS) terminal compatibility
• Apple Pay and Google Pay integration for contactless payments
• ATM cash withdrawal capabilities
• Online and in-store purchasing

Physical & Virtual Cards: Dual card issuance options:

• Physical cards shipped to cardholders
• Instant virtual card generation for immediate use
• Multiple card designs and tiers (standard, premium, platinum)
• Customizable branding with company logo and design

Real-time Crypto-to-Fiat Conversion: Seamless spending of digital assets:

• Automatic conversion at point of transaction
• Support for multiple cryptocurrencies (Bitcoin, Ethereum, stablecoins, etc.)
• Real-time exchange rates
• Instant settlement to merchants in local fiat currency
• No merchant integration required (appears as standard card payment)

Business Benefits

Ultra-Low Fees: Competitive cost structure:

• Leveraging aggregated card issuer network for negotiated rates
• No top-up fees for users
• Reduced transaction costs compared to traditional cards
• Transparent fee disclosure

Revenue Generation: Multiple income streams:

• Card issuance fees
• Interchange revenue from transactions
• Monthly/annual card fees
• Foreign exchange spreads
• ATM withdrawal fees
• Premium card tier upgrades

User Acquisition & Retention: Enhanced value proposition:

• Increased asset utility driving user engagement
• Practical off-ramp for crypto holdings
• Competitive advantage over exchanges without card programs
• Loyalty program integration opportunities

Compliance & Security

Built-in Compliance: Regulatory adherence features:

• KYC (Know Your Customer): Integrated identity verification for cardholders
• KYB (Know Your Business): Business verification for corporate card programs
• KYT (Know Your Transaction): Transaction monitoring via Trustformer integration
• AML Risk Controls: Anti-money laundering screening and suspicious activity detection
• Regulatory Reporting: Automated compliance reporting to financial authorities

PCI DSS Compliance: Payment Card Industry Data Security Standard adherence ensuring secure handling of cardholder data.

3D Secure: Additional authentication layer for online transactions preventing fraud.

Use Cases

Tailored solutions for diverse business models:

Crypto Exchanges & Trading Platforms: Offer users direct spending from exchange balances, providing easy crypto-to-fiat off-ramp and increasing platform stickiness.

Crypto Wallet Providers: Transform wallets into comprehensive financial tools, enabling direct spending from wallet balances without separate transfers.

DeFi Protocols & Lending Platforms: Provide liquidity access from staked or lent crypto without full withdrawal, making DeFi yields instantly spendable in the real world.

Web3 Projects, GameFi & DAOs: Enable users to spend in-game tokens or DAO payouts for real-world purchases, and facilitate DAO operational expense management.

Cross-Border Payment & Remittance: Leverage crypto's speed and lower costs for international transfers, with recipients able to instantly spend remitted crypto in local currency.

E-commerce & Retail: Convert loyalty points and rewards directly into spendable crypto, increasing perceived value, flexibility, and liquidity for customers.

Fintechs & Neobanks: Attract crypto-savvy customers with hybrid banking services, enabling seamless management and spending of both fiat and digital assets.

Companies with Global Freelancers: Simplify international payroll by paying contractors in crypto that can be spent instantly via card, reducing payment processing time and costs.

White-Label Integration

Seamless Technical Integration: Plug-and-play solution featuring:

• API-based connectivity with existing infrastructure
• No heavy technical lifting required
• Pre-built card management interfaces
• Webhooks for real-time transaction notifications

Full Branding Control: Maintain brand identity with:

• Custom card designs featuring company logo and colors
• Branded mobile app for card management
• White-label user interfaces
• Direct customer relationships (users are your customers)

SaaS Card Issuance System: Ready-to-deploy platform-as-a-service:

• Rapid time to market (launch in weeks)
• No setup fees
• No minimum volume requirements
• No maintenance costs
• Scalable infrastructure supporting growth from startup to enterprise

Operational Features

Comprehensive card management:

• Real-time balance tracking
• Transaction history and notifications
• Card freezing/unfreezing
• PIN management
• Spending limits and controls
• Multi-currency support
• Merchant category restrictions
• Geographic usage controls

ChainUp's white-label crypto card solution empowers businesses to offer cutting-edge financial products that bridge the digital asset ecosystem with traditional commerce, creating new revenue streams while enhancing customer value.