Overview
Cards is a virtual prepaid card product powered by cryptocurrency collateral. Designed for businesses, it uses stablecoins on Polygon as the backing asset: each card is linked to a stablecoin wallet, and funds are automatically converted to dollars at a 1:1 ratio, making integration with conventional payment networks seamless.Card specifications
- Brand: Visa
- Acceptance: Google Wallet and e-commerce platforms
- Security: Protected by 3DS to mitigate fraud
Operational models
Top Up
Users load funds directly onto the card through a dedicated deposit wallet created exclusively for this purpose.
External authorization
Your systems integrate via webhooks: for each transaction you have 1,200 ms to authorize or reject it based on your own approval logic.
Issuance and flexibility
Each business can issue as many cards as are available in their pack, enabling teams to scale deployment according to user demand.Holding wallet mechanism
A holding wallet backs every card transaction. A purchase only succeeds if the holding wallet has sufficient balance — otherwise the transaction is declined.Withdrawals
Funds can be withdrawn from the holding wallet to external accounts for independent use. A minimum balance is always locked to preserve capacity for at least one transaction, ensuring continuous payment capability.Why CryptoMate Cards
This solution combines the convenience of conventional cards with the flexibility of blockchain infrastructure, giving businesses a modern way to manage payments backed by crypto reserves.Cards API reference
Explore endpoints for virtual cards, transactions, and holding.