Virtual and physical cards
Issue eligible customer and employee cards through licensed programme partners.
Crypto-funded cards
Spend your balance.
Where cards are accepted.
A partner-issued virtual or physical card funded from eligible fiat, crypto or stablecoin balances. Conversion happens during authorisation and every leg remains visible in your byplata account.
byplata
AVAILABLE TO SPEND€8,400.00
5412 •••• •••• 1048
APPROVED · €42.80USDT → EUR · Coffee District
Card programme
Familiar at checkout.
Transparent underneath.
At payment, the selected balance is checked, converted when required and authorised through partner card rails. The complete transaction remains visible in one byplata record.
Partner-issued card · availability depends on market and eligibilityCard payment · AP-1048Approved
Coffee DistrictMerchant purchase
€42.801BalanceUSDT available
2ConvertUSDT → EUR
3PayAuthorised
Funded from 46.82 USDTOne linked record
Authorisation logic
The card is simple at checkout because the difficult decisions happen underneath.
When a purchase arrives, the programme must identify the cardholder, selected funding balance, available amount, limits, merchant controls and any required conversion before the issuer returns a decision.
The customer should see one purchase record that connects the merchant amount, conversion result, card authorisation and final settlement — rather than several unrelated balance movements.
AUTHORISATION AP-1048APPROVED
BalanceUSDT · 8,400.00Available
Risk controls3DS · MCC · geographyPassed
ConversionUSDT → EURRate locked
Issuer response€42.80 approved420 ms
Control surface
Useful card controls should be understandable without a manual.
Freeze status, spending limits, online and contactless permissions, merchant restrictions and funding source belong in one clear account experience.
Balance selection
Choose which supported fiat, crypto or stablecoin balance funds card spending.
Card controls
Freeze cards, set limits and restrict merchant categories or geographies.
Card issuance, processing, scheme access, disputes and final risk controls require licensed programme partners. Availability remains market- and eligibility-dependent.
After the purchase
Settlement, refunds and disputes remain part of the product.
Authorisation is only the first state. The final merchant amount can settle later, a reversal may release the hold, and a refund or chargeback can create additional connected entries.
Keeping those events under one card transaction reference gives customers and support teams a complete history of what happened and why the available balance changed.
CARD PROGRAMMEVISIBLE STATES
01
ApplyComplete onboarding and card programme eligibility checks.
Continue02
IssueCreate a virtual card and request a physical card where available.
Continue03
Choose fundingSelect the eligible balance and configure limits.
Continue04
Pay and trackAuthorise purchases and see conversion and settlement together.
CompletePut an eligible balance behind a familiar card.
Join the programme waitlist and configure funding, limits and controls when your market becomes available.