Encrypto Card
The Encrypto Card is a Visa debit card backed by your crypto balance. It works anywhere Visa is accepted โ online, in-store, Apple Pay, Google Pay, contactless. No difference from any other card, except the funding source is your on-chain assets instead of a bank account.
The Problemโ
You can hold $100,000 in crypto and still can't pay for an Uber. The off-ramp experience today looks like this:
- Sell crypto on an exchange (fees, slippage, tax event)
- Withdraw to a bank account (1-3 business days, wire fees)
- Wait for it to clear (another 1-2 days)
- Then spend it
That's a 3-5 day process with multiple friction points, fees, and tax implications just to buy a coffee.
The Solutionโ
Encrypto eliminates every step. Your card is linked directly to your on-chain balance. When you tap your card, the transaction amount is settled from your USDC balance in real time. No pre-conversion, no bank intermediary, no delays.
Card tap โ Authorization โ USDC debit โ Visa settlement โ Merchant paid
~200ms instant same day
Key Featuresโ
- Instant activation. Card is live the moment KYC is approved. No waiting for physical delivery.
- Virtual + Physical. Use the virtual card immediately. Physical card ships to your address.
- Apple Pay. Add to your mobile wallet for contactless payments. Google Pay coming soon.
- Global acceptance. Anywhere Visa is accepted, in any currency. FX conversion is handled automatically.
- Real-time balance. Every transaction reflects instantly. No pending charges sitting in limbo.
- No overdraft. You can't spend more than you have. The card declines if your balance is insufficient.
Card Detailsโ
| Specification | Value |
|---|---|
| Network | Visa |
| Type | Debit (prepaid) |
| Currency | USD (settled from USDC) |
| Funding source | On-chain USDC balance |
| Daily spend limit | $10,000 |
| ATM withdrawal | Coming soon |
| International | Yes, anywhere Visa is accepted |
MONEY TRANSMISSION SERVICES PROVIDED BY BRIDGE BUILDING INC. AND LEAD BANK (COLLECTIVELY, THE "PAYMENT PROVIDERS"). THESE PAYMENT PROVIDERS ARE THE ONLY ENTITIES AUTHORIZED TO INITIATE OR EXECUTE PAYMENTS AND TRANSFERS ON YOUR BEHALF. AT NO TIME WILL ENCRYPTO RECEIVE, CONTROL, OR HOLD YOUR FUNDS.
The Encrypto Visaยฎ debit card is issued by Lead Bank, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted.