CARDS AND SPEND
Launch across markets
Expand card programs globally without rebuilding your wallet infrastructure.
Improve your economics
Generate revenue from card spend as payment volume grows across your platform.
Spend from any balance
Let users spend directly from wallet balances and yield-bearing vaults.
Manage cards at scale
Issue, freeze, and manage cards with unified controls across your entire program.
WALLET-CONNECTED SPEND
Connect physical and virtual cards to wallet balances with prebuilt components that simplify integration and accelerate launch.
Wallets-linked cards
Physical and virtual cards
Prebuilt card components
Global card acceptance
CAPITAL EFFICIENCY
Keep balances deployed in yield strategies while making them available for card purchases without sacrificing liquidity.
Spend from supported yield vaults
Integrated yield providers
Automatic liquidity management
Continuous capital utilization
PROGRAMMABLE SPEND
Set spending limits, merchant restrictions, approvals, and authorization rules through programmable policies.
Spending limits
Merchant restrictions
Approval workflows
Policy-based authorization
Use Privy’s APIs and prebuilt components to issue and manage cards, accelerate integration, and simplify the path from approval to launch.
Card APIs
Issue and manage cards with Stripe Issuing directly from your application.
Prebuilt components
Launch with prebuilt card experiences designed to streamline program approval.
Program management
Manage cards, transactions, and spending activity from one place.
CASE STUDY
Challenge:
Businesses expect cards to work seamlessly with their accounts, but launching a card program requires connecting wallets, balances, issuing, and payment infrastructure.
Solution:
Slash uses Privy to connect programmable business accounts to card infrastructure, enabling customers to spend directly from their balances through a seamless experience.
Blog posts & resources
CASE STUDY
How Privy helps Slash build a more flexible foundation for how businesses store, move, and manage money.
PRODUCT
A new in-person payment rail with real-time, programmable settlement.
Frequently asked questions
Answers to common questions about launching card programs, spend controls, and wallet-connected cards.
Can I issue cards that spend directly from stablecoin balances?
Yes. Privy integrates with third-party card infrastructure to issue physical and virtual cards linked directly to wallet balances. Card spend triggers real-time stablecoin-to-fiat conversion at the point of transaction, so users never need to manually convert before spending.
What card networks does Privy support?
Cards issued through Privy’s Bridge integration are compatible with Visa and Mastercard networks. Users can spend anywhere those networks are accepted, both online and in person.
How does real-time conversion work at the point of sale?
When a cardholder makes a purchase, the system converts the exact stablecoin amount to fiat at the moment of transaction. The user’s wallet balance decreases by the equivalent stablecoin value, and the merchant receives fiat settlement through standard card network rails.
What spend controls can I set on cards?
Privy’s policy engine supports per-transaction caps, daily spend limits, merchant category restrictions, and geographic controls. Policies are enforced programmatically at the infrastructure level — not as soft limits that can be overridden.
Do I need a banking license to issue cards?
No. Privy partners with licensed card issuers and banking-as-a-service providers who hold the required licenses. Your application manages the wallet and user experience while the licensed partner handles card issuance and network compliance.
How do cards work with Privy’s custody models?
Cards can draw from embedded wallets, server-managed wallets, or custodial wallet structures. The card integration is custody-agnostic — as long as the wallet holds a supported stablecoin balance, it can be connected to a card program.