How to Launch Your Own Crypto Card Program

Offering your own crypto debit card used to mean months of contracts with banks, card issuers and processors. Today, a business can launch a branded card program on top of a white-label platform in a fraction of that time.

This guide walks through the steps, from your first test card to your first paying customer.

#Who this is for

A crypto card program makes the most sense if you already have users who hold crypto, for example:

• a crypto wallet or exchange app;
• a payments or remittance business;
• a fintech app that wants to offer USD spending to its users;
• an online platform where users earn or hold USDT.

If your users hold USDT and want to spend it, a card is the natural next step.

#Step 1: Decide what you will offer

Before you write any code, answer three questions:

1. Who are your cardholders? Your own users, verified with a quick identity check.
2. How will they load the card? With Cryptoinfra, cards are loaded from the user's USDT balance.
3. What will you charge? You can add your own fee on top of the platform's fee for issuing, loading and closing cards.

#Step 2: Test in the sandbox

Sign up and get a sandbox key. In the sandbox you can:

• create test users;
• run the identity check flow;
• issue test cards;
• load and close them with test money.

Nothing in the sandbox touches real money, so your team can try every screen safely.

#Step 3: Build the user flow

A typical card flow inside your app looks like this:

1. Identity check — the user completes KYC once.
2. Choose and issue — the user picks a card and confirms the issue price, shown before they pay.
3. Load — the user chooses an amount. Your app shows the full price, including the network cost, then confirms.
4. Use — the app shows the card details securely, the balance and recent transactions.
5. Confirm payments — your app shows the 3-D Secure codes the card receives.
6. Close — the user can close the card and see exactly what comes back before confirming.

Every step is one or two API calls. The cards guide shows each one.

#Step 4: Set your pricing

Your revenue from a card program comes from two places:

• Your own fee, added on top of every issue, load and close. You choose the amount.
• A share of the platform's fee, paid to you automatically on every card your customers use — even if you add no fee of your own.

Keep your prices simple and show them clearly. Customers trust apps that show the full price before they pay. You can read the platform's current prices on the pricing page.

#Step 5: Go live

When your flow works in the sandbox:

1. switch to your live API key;
2. issue a first real card to your own team;
3. load a small amount, pay for something, and close it;
4. check that every number matches what your app showed.

Then open it to your users.

#Mistakes to avoid

• Hiding fees. Always show the full price, including network costs, before a user confirms.
• Skipping the identity check. Cards need verified cardholders. Build KYC into your onboarding.
• Loading from the wrong place. Make sure the user's USDT really sits in their wallet before a load. With Cryptoinfra, loads are on-chain, so a balance that has not arrived yet cannot be loaded.
• Forgetting the close flow. Users will want to close cards. Show the refund amount and timing clearly.

#What your customers get

• A virtual Visa card in your brand.
• Apple Pay, Google Pay and Samsung Pay support.
• Spending online and in stores, wherever Visa is accepted.
• Clear prices shown before every action.

#Start building

Create a free account, test the card flow in the sandbox, and read how crypto debit cards work if you want to explain cards to your users in simple words.