Products/Cards
Opyqa Cards

Your own crypto card. Designed here, spent everywhere.

Branded debit cards your users top up with crypto and spend in everyday money.

Issue virtual and physical cards under your brand. Users spend from their crypto balance; it's converted at the moment they pay. Try it: design your own card.

Virtualissued in seconds
Physicalshipped to 90 countries
Visa · Mastercardaccepted by millions of merchants
Your Brand
Virtual
•••• •••• •••• 4821
Card holderAlex Morgan
Valid thru 10/29VISA
•••
Use subject to cardholder terms.VISA
Finish · Royal
Type
For your cardholders

Top up in crypto. Spend in everyday money.

Your users fund the card with the coins they already hold. Nothing is converted until they pay, so they never have to sell first.

Sample
Deposit · TRC20+500.00 USDT
StatusConfirmed ✓

1Top up the card

Users send crypto to their card's deposit address from any wallet or exchange. Supported: USDT, USDC, BTC and ETH on TRC20, ERC20, BEP20 and Bitcoin, with more on the way.

Sample
Card balance500.00 USDT
Rate shown before payingLive

2Converted once, at checkout

The balance stays in crypto. It is converted only for the amount of each payment, at the rate shown in the app.

Sample
Online store€41.40
Paid with card •4821Approved ✓

3Spend wherever cards work

Online, in stores and in mobile wallets where supported. Every payment shows up in the app right away.

Spend lab

Set the rules. Tap the card. Watch the decision.

Every card payment is approved or declined by your rules in real time. Change a rule, pick a merchant, tap, and see what happens.

Demo · sample rates

Your rules

Daily limit€500
Spent today: €0.00Left: €500.00
TravelAirlines, hotels, car hire
Online shopping3-D Secure in the app
ATM cashWithdrawals worldwide
GamingGame stores and in-game purchases
Freeze cardInstantly blocks all payments
Coffee · Food & drink€4.80
Card tappedCoffee · €4.80
Authorization requestThe card network asks your platform in real time
Rules checkedLimit, category and status passed
ConvertedCrypto converted at the moment of payment
ApprovedMerchant paid · cardholder notified

Sample rates for the demo: 1 USDT = 0.92 EUR · 1 BTC = 58,000 EUR · 1 ETH = 2,300 EUR. Real rates come from your liquidity setup.

Your BrandCard •4821
Pay from · USDT balance1,250.00 USDT≈ €1,150.00
Recent
Top-upUSDT · TRC20 · yesterday+500.00 USDT
Card tiers

Several cards. Each one with a job.

Offer one card or a full lineup. Give each tier its own name, design, limits and features, and move users up as they verify. Below is an example setup.

Example · you set the details

Plus card

The main card most users keep. Spend online and in stores, and order a physical card when they want one.

Card typeVirtual + physical
Mobile walletsApple Pay · Google Pay
Online 3-D Secure✓ Included
Physical card✓ Included
ATM cash✓ Included
Daily limit (USD or equivalent)$50,000
VerificationKYC
Try it in the spend lab
How it works

From first call to cards in pockets

We bring the issuing partner, compliance and conversion. You bring your users.

1Connect

Plug in the API, or start from the ready cardholder app and admin with no code.

2Design and set rules

Your card design, name and app colors. Tiers, limits and the coins users can spend.

3Launch and grow

Users sign up, get a virtual card instantly and order a physical one. You watch it all in the admin.

Program controls

Every lever of a serious card program

Not just a card with your logo. The controls that keep a program safe and profitable.

Tiers and limits

Per-tier daily, monthly and per-payment limits. Move users between tiers as they verify.

3-D Secure

Online payments confirmed in your app. Fewer disputes, safer users.

With or without KYC

Offer cards without KYC for a quick start, or with KYC to unlock Apple Pay and Google Pay.

Spend from crypto

Converted at the moment of payment, from the balance the user picks.

Category controls

Block merchant categories per program, tier or single card.

Freeze and replace

Users freeze a lost card in one tap. Reissue keeps the balance.

Real-time alerts

Push and Telegram notices for every payment, decline and top-up.

Card data protected

Card numbers stay with the issuing partner's secure systems, never in your database.

Where it works

Wherever Visa and Mastercard are accepted

From everyday shopping to software, travel and ads. The only exceptions are the restricted merchants listed further down.

Online storesSubscriptionsCloud and hostingAirlinesHotelsCar rentalRestaurantsAdvertisingSoftware and SaaSOnline coursesOnline storesSubscriptionsCloud and hostingAirlinesHotelsCar rentalRestaurantsAdvertisingSoftware and SaaSOnline courses
MarketplacesGames and appsDomainsStreamingElectronicsTravel bookingGroceriesRide-hailingDeveloper toolsFashionMarketplacesGames and appsDomainsStreamingElectronicsTravel bookingGroceriesRide-hailingDeveloper toolsFashion
In the phone walletCards with KYC go into Apple Pay or Google Pay for tap to pay. Cards without KYC can't be added.
Online with 3-D SecureOnline payments are confirmed in your app, so checkouts that ask for 3-D Secure go through.
Abroad, in local moneyThe merchant gets paid in its own currency. Your user sees the amount in the app.
Invite rewards

Cardholders bring cardholders

Every user gets an invite code in the app. You decide the reward, who gets it and when it unlocks.

1Share a codeEach user has a personal invite code and link in the app.
2A friend joins and tops upSet the condition, for example a verified account and a first top-up of an amount you choose. Rewards depend on your project.
3Both get rewardedThe reward lands on their cards automatically. Every invite is tracked in your admin.
Compliance policy

Restricted merchants and services

To stay compliant and keep the program safe, cards can't be used with the merchants and categories below.

ImportantPayments to these merchants may be declined, and repeated attempts can lead to the card being suspended. The list comes from the issuing partner and can change without notice.

Whole categories

Fuel stationsHigh risk

Fuel purchases at any gas station or fuel pump are not allowed.

You can block more categories for your program, a tier or a single card from the admin.

Specific merchants

23 merchants restricted
AudibleWisedundle.comMyGiftCardSupplyMoonPayEasy ShopDeliverooDoorDashUber EatsRULE OF LAW SOCIETY IVAMAZON DIGITAL GERMANY GMBHokcoinskyhosthuobiTindergoTinderSWAG.LIVEOnlyFansCoinbaseCoinMarketCapCoinGeckoEducoinPoshmark

Why these restrictions

Cards run inside the rules of the networks and the countries they're issued in. These limits keep the service safe and compliant for you and your users.

Comply with anti-money-laundering and know-your-customer rules
Prevent fraud and high-risk transactions
Keep good standing with payment processors and card networks
Protect users from legal and financial trouble
Keep the service sustainable and responsible
Who it's for

Built for teams shipping card products

All industries →
Exchanges and walletsLet users spend what they hold, without selling first.
FX/CFD brokers and prop firmsPay out profits to a card your traders use the same day.
Fintechs and neobanksAdd a crypto card without building issuing and licensing.
TravelA card customers carry abroad and spend in local money.
Payroll and contractorsPay teams and freelancers in crypto, spendable anywhere.
Communities and loyaltyFund rewards and cashback straight to members' cards.
FAQ

Card questions

More questions? Contact sales or see all FAQ

Which coins can users spend?

USDT, USDC, BTC and ETH, on TRC20, ERC20, BEP20 and the Bitcoin network, with more on the way. The coin is converted at the moment of payment, at the rate shown in the app.

Virtual or physical?

Both. Virtual cards are ready right after sign-up. Physical cards ship to 90 countries, excluding sanctioned ones, and delivery time depends on the destination.

Do cards work with Apple Pay and Google Pay?

Yes, for cards with KYC. Cards without KYC can't be added to Apple Pay or Google Pay.

How does KYC work?

You choose. Offer cards without KYC for a quick sign-up, or cards with KYC, which also work with Apple Pay and Google Pay. KYC is built into the cardholder sign-up.

Can businesses issue cards to employees?

Yes. Issue cards to a team, set limits per card and fund them from one balance.

Where can the card be used?

Anywhere Visa and Mastercard are accepted, online and in stores, except the restricted merchants and categories listed on this page.

What happens if a merchant is restricted?

The payment is declined and the user sees why in the app. Repeated attempts can lead to the card being suspended, so users can check a merchant before they pay.

Can we offer more than one card?

Yes. Create tiers with their own name, design, limits and features, and move users between them as they verify.

How much does a card program cost?

It depends on your program, countries and volume, so we price it by quote. Add Cards to your cart or contact sales and we send you a custom offer.

How long does launch take?

Usually 30 to 45 days, sometimes less. Card design approval by the network is usually the longest step.

Launch your crypto card program

Tell us about your users. Pricing is by quote and depends on your volume, so add Cards to your cart and we send you an offer.

Contact sales

This option is not available yet. Contact our team for help.

Contact us