Launch your stablecoin-backed card program

Offer stablecoin cards your customers can use anywhere - powered by Visa and Mastercard, and built on Nium's trusted infrastructure.

Available on:
Visa Mastercard
Chain illustration
How It Works

From stablecoin balance to real-world payments instantly

Your customers can spend stablecoin anywhere Visa and Mastercard are accepted. Nium manages crypto-to-fiat conversion and settlement behind the scenes.

Card
Your customer pays with a stablecoin-backed card
Convert
Nium converts from crypto to fiat instantly
Merchant
Merchant receives fiat as normal

CORE USE CASES

Stablecoin cards for every business model

Empower your customers, partners, and vendors to spend stablecoins in everyday commerce.

Crypto Exchanges

Crypto Exchanges

Turn stablecoin balances into everyday spending power. Stablecoin cards let users spend directly from their wallets, with crypto-to-fiat conversion and instant settlement handled at the point of purchase.

Let users spend directly from their wallets

Simplify off-ramp into everyday spend

Power global merchant acceptance

Fintechs & Neobanks

Fintechs & Neobanks

Expand your offering with stablecoin cards. Capture growing demand for digital dollar spending with a globally accepted stablecoin card.

Embed stablecoin spending into your app

Attract and retain customers

Offer dollar-stable spending in volatile markets

Platforms & Marketplaces

Platforms & Marketplaces

Power vendor payments and platform payouts with stablecoin cards. Issue virtual cards for suppliers, contractors, and partners with instant global settlement.

Pay suppliers and contractors globally

Move money instantly across your ecosystem

Turn platform balances into real-world payments

WHY NIUM

The infrastructure behind the world's largest card programs

Card infrastructure
Card infrastructure

38M+

Card credentials issued in 2025

190+

Countries across Nium's global payout network

40+

Licensed jurisdictions worldwide

1 API

A single integration to unlock global payments, cards, and compliance

Card infrastructure

FAQs

Everything you need to know about stablecoin card issuing

A stablecoin card is a payment card funded by stablecoin balances such as USDC. When the card is used, the stablecoin balance is automatically converted through crypto-to-fiat conversion, allowing the payment to be processed through standard card networks. This enables businesses to offer stablecoin-backed cards that work anywhere traditional card payments are accepted. Stablecoin cards help bridge blockchain settlement and traditional payments infrastructure, making stablecoins usable in everyday commerce.
Many types of businesses can launch a stablecoin card program, including crypto platforms, fintech companies, and marketplaces. These programs can support a wide range of use cases such as vendor payments, corporate expense management, employee travel, SaaS subscriptions, and platform payouts. Through white-label deployment and card integration, businesses can embed stablecoin-backed cards directly into their products. This allows companies to offer modern payment capabilities while benefiting from instant settlement, programmable payments, and global card network compatibility.
Yes. Nium's stablecoin card infrastructure is compliance-ready and built on the same regulated payments infrastructure that powers our global card programs today. Nium operates under banking standards and financial regulation, with licenses and authorizations across 40+ markets. Stablecoin card programs are designed to support regulated stablecoin usage, with built-in KYC/AML controls, OFAC screening, and compliance processes aligned with enterprise requirements. This ensures businesses can launch a stablecoin-backed card program that combines blockchain settlement innovation with the security and trust expected from traditional payments infrastructure.
Today, converting stablecoins to spendable funds often requires multiple steps — sending assets to an exchange, converting to fiat, and waiting for bank transfers. This creates stablecoin spending friction and limits liquidity for businesses and users who want to use stablecoins in everyday commerce. A stablecoin card removes that friction by enabling instant crypto-to-fiat conversion at the point of payment. Instead of off-ramping funds manually, the stablecoin balance is converted automatically when the card is used. This enables instant settlement and easier liquidity management, turning stablecoins into funds that can be spent anywhere cards are accepted.
No. Merchants do not need to accept cryptocurrency to accept stablecoin card payments. When a customer uses a stablecoin-backed card, Nium performs the crypto-to-fiat conversion behind the scenes. The payment is then processed through traditional card networks such as Visa or Mastercard. From the merchant's perspective, the transaction looks exactly like any other card payment through their POS or payment network, so existing merchant acceptance infrastructure continues to work as normal.
Nium is building infrastructure designed to help businesses launch a stablecoin card program instantly and securely. Our platform supports white-label card deployment and card integration through a single API, allowing businesses to embed a stablecoin-backed card into their existing products without building their own issuing infrastructure. While the exact timeline depends on integration and compliance requirements, Nium's goal is to make stablecoin card program deployment significantly faster than building card infrastructure from scratch.
Yes. A stablecoin card can be used as a corporate card for modern expense management, particularly for global businesses. Companies can issue virtual cards for vendor payments, employee travel, SaaS subscriptions, and other operational spending. Stablecoin-based spending can also support programmable payments and faster settlement for international teams and suppliers. This makes stablecoin-backed cards especially useful for organizations managing distributed teams, cross-border operations, and digital-first finance workflows.
Traditional card settlement can take 3–5 days, as funds move through multiple intermediary banks and clearing processes. A stablecoin card program can support stablecoin settlement using blockchain settlement or on-chain settlement, enabling real-time settlement or instant settlement between financial institutions behind the scenes. This creates a faster settlement model compared to traditional card settlement, improving liquidity and reducing delays while maintaining full compatibility with existing card networks.

Bring stablecoin-backed cards to your customers, partners and vendors

Stablecoin Cards

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