Cards that spend from an on-chain balance
Launch stablecoin-backed debit and prepaid card programs on Visa or Mastercard with a dedicated BIN, your preferred processor, and flexible collateral models. Instead of converting to fiat first, Lead settles directly with your card network of choice in stablecoins.
Global spend
Issue cards to users in other countries, with spend limits derived from a USD balance held in stablecoins. The user experience is functionally identical to familiar fiat-backed cards, but funding stays on-chain, making stablecoin balances spendable wherever Visa and Mastercard are accepted.
Stablecoin network settlement
Lead settles with the card networks using stablecoins seven days a week, mitigating settlement risk, reducing reserve requirements, freeing up capital, and eliminating the USD conversion step.
Program benefits
Our Debit & Prepaid Cards program features carry over unchanged: the Durbin exemption, the processor of your choice, and a dedicated BIN. The only things that move on-chain are the funding source and the settlement rail.
Primary and secondary networks
Issue on Visa or Mastercard. For secondary networks, Lead supports Maestro, Interlink, and Pulse, so you don't need your own contract. For Star and Accel, Lead can facilitate a connection.
Global spend
Issue cards to users in other countries, with spend limits derived from a USD balance held in stablecoins. The user experience is functionally identical to familiar fiat-backed cards, but funding stays on-chain, making stablecoin balances spendable wherever Visa and Mastercard are accepted.
Stablecoin network settlement
Lead settles with the card networks using stablecoins seven days a week, mitigating settlement risk, reducing reserve requirements, freeing up capital, and eliminating the USD conversion step.
Program benefits
Our Debit & Prepaid Cards program features carry over unchanged: the Durbin exemption, the processor of your choice, and a dedicated BIN. The only things that move on-chain are the funding source and the settlement rail.
Primary and secondary networks
Issue on Visa or Mastercard. For secondary networks, Lead supports Maestro, Interlink, and Pulse, so you don't need your own contract. For Star and Accel, Lead can facilitate a connection.
Spendable everywhere cards are accepted
Cards are accepted at tens of millions of merchants worldwide, which makes them the widest-reaching way to spend. Backing a card with a stablecoin balance puts that entire acceptance network behind your users' on-chain funds, so a stablecoin balance becomes everyday purchasing power at any merchant that already takes cards.
Settle without the conversion cost
Rather than converting stablecoin funds back into USD, Lead settles with the card networks using stablecoins. With like-for-like settlement, no one has to pay to convert. It eliminates the conversion step and the cost that comes with it, saving your users money and mitigating settlement risk.
Explore API docs
Build directly on Lead’s developer-first banking infrastructure. Our APIs are designed for straightforward integration, with the flexibility to scale as your product evolves.
