The Card

The Encrypto card spends any token from any connected wallet anywhere Visa is accepted.

Funding

The user spends any token in any connected wallet. The liquidity engine swaps to the card's stablecoin balance inside the authorization window. The merchant receives the transaction in their local fiat currency at the Visa network rate, exactly like any other Visa card. See System Design.

Authorization

Authorizations clear inside the card network's authorization window. If the source asset cannot be settled (insufficient liquidity, slippage above threshold), the authorization declines and the swipe fails closed. No partial settlement, no hidden borrow.

Deposit addresses

Each card is paired with deposit addresses on Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche, Solana, and Stellar. Sending a stablecoin to a card's deposit address tops up the card balance directly, without routing through the user's wallet first.

Mobile wallets and acceptance

Add the card to Apple Pay or Google Pay on activation. Accepted across 160+ countries on a major global card network.

Withdrawals

Card balance can be withdrawn back to a connected wallet on any of the supported chains, or sent to another Encrypto user. Both paths are free.

Limits and fees

See Fees. Spend limits scale with KYC tier and account history.