Card
Your crypto balance, accepted as a card.
Top up your card with digital dollars (USDC) from your wallet and pay wherever the card networks are accepted. Every purchase is authorized in real time against your card balance, under the limits and rules you set.
- Top up with digital dollars
- Real-time authorization
- Limits, categories and travel mode
01 — Benefits
Crypto you spend like cash
Your digital balance now works at the checkout, online and on the road.
From wallet to card
Digital dollars become a dollar balance on your card, one to one, less the top-up fee shown before you confirm.
You set the rules
Limits per purchase, per day and per month, plus blocks or caps by category, such as gambling, cash withdrawals and travel.
A card for every purpose
Multiple virtual cards, each with its own nickname, limits and statement.
Protected card details
Card number, expiry date and security code are displayed by the issuer, only after two-step verification and for 30 seconds.
02 — The mechanism
From crypto balance to approved purchase
The exact path your money takes, with no hidden shortcuts.
Your wallet
Digital dollar (USDC)
Issuer deposit
Verified on the network
Card balance
In dollars, on the ledger
Purchase
Authorized in real time
- 1 USDC = US$1.00 of balance, in whole cents
- Top-up fee shown before you confirm and deducted from the credit
- Each transfer is credited only once
03 — How it works
What happens, step by step
From top-up to clearing, every step follows a clear rule.
You top up with USDC
From your wallet, you send digital dollars (USDC) to the card issuer's deposit account. Holding another token? Swap it for USDC first.
The platform checks the network
The transfer is verified on the network itself: it must be confirmed and less than 24 hours old, and the amount credited is the lower of what left your wallet and what reached the deposit.
The balance is credited in dollars
Each USDC becomes US$1.00 of card balance, less the top-up fee. The same transfer is never credited twice.
The purchase requests authorization
At the moment of purchase, the issuer queries the platform in real time. Card status, per-purchase, daily and monthly limits, country, merchant category and balance are all checked.
The amount is held
Once approved, the purchase places a hold on the card balance. If no response arrives within the issuer's time limit, the purchase is declined: nothing is approved blindly.
Clearing settles the account
When the merchant confirms, the hold becomes a debit. Differences such as tips or exchange rates are adjusted, and any unused hold returns to your balance.
04 — In practice
Where the card makes a difference
Three everyday situations, with the right rules.
Purchases abroad
Turn on travel mode before you leave: purchases in another country are approved only while it is active. The original amount of each purchase is kept on your statement.
Subscriptions
Create a card just for subscriptions, with its own monthly limit. Want to stop a charge? Freeze the card with a single tap.
Travel
Hotels and car rentals may hold an amount for up to 30 days, as is standard in the industry. Whatever is not used returns to your balance.
05 — Card networks
Accepted card networks
Visa, Mastercard, Diners Club and American Express: card networks accepted by merchants worldwide, online and in store.
Visa, Mastercard, Diners Club and American Express are registered trademarks of their respective owners and appear here under license. Each card's network is specified at issuance.
The card is issued by to be published, a licensed institution. Full card details are held by the issuer and displayed through its secure component; DUbank stores only the last four digits.
Fees and limits: to be published
06 — What sets it apart
Why this card is different
In many cases, a crypto balance has to leave the platform and be converted elsewhere before it reaches a card. Here, the top-up is verified on the network itself and recorded on a ledger, and every purchase is decided against that balance in real time.
- Transparent conversion: 1 USDC becomes US$1.00, less the fee shown
- Real-time decisions under your rules, with the card's controls in place
- Declined by default when no response arrives in time
- Refunds and disputes on the same statement
07 — Security
Protection designed for cards
Sensitive data never even passes through here.
Full details stay with the issuer
The full card number, expiry date and security code never pass through the platform: the issuer displays them on its own secure page. Only the last four digits are kept here.
Freeze and unfreeze
Freeze your card whenever you like. To unfreeze it or relax a rule, the account asks for a new verification code.
Signed events
Every issuer event arrives signed and with an expiry window: a captured event cannot be replayed later.
Purchase disputes
Unrecognized, undelivered or duplicate charges can be disputed, with tracking through to the outcome.
08 — Questions
Frequently asked questions
Is this a credit card?
No. The card uses the balance you top up: each purchase is approved against that balance. There is no bill and no interest.
Can I top up with any crypto?
Top-ups are made in digital dollars (USDC). Other tokens must be swapped for USDC before topping up.
How much does a top-up cost?
The top-up fee appears on screen before you confirm, and the amount credited is already net of it.
Is there a physical card?
The card is virtual. Physical card issuance follows the partner issuer's rules in each country.
Your crypto balance, ready to spend
Open the account, verify your identity and create your first virtual card.
The card is issued by a partner institution and depends on availability in your country. Fees and limits are published before you sign up.
Platform
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