Crypto Card Infrastructure
Shivacha Crypto Card: Branded crypto-powered card experiences connecting digital assets, wallets and everyday payments.
Active cards
Program A
Controls
MCC · Geo · Limits
Auth latency
Within limits
Typical implementation
3–5 weeks
White-label implementation
Customization
Highly customizable
Brand, workflows and integrations
- White-label
- Ready to launch
- Production-ready
- Customizable
- API-ready
Timelines refer to software implementation and deployment scope for a defined configuration. Third-party integrations, regulatory approvals, banking and card-issuer onboarding, custody and liquidity agreements, security audits and other external dependencies may require additional time.
How it works
How a crypto card system works.
A card payment funded from digital assets is decided in milliseconds — then converted, settled and reconciled across partners.
- 1UserTaps a virtual or physical card at checkout.
- 2WalletCrypto or stablecoin balance checked and reserved.
- 3Card processorAuthorisation request decided against controls.
- 4IssuerLicensed issuing partner approves on the network.
- 5MerchantPayment accepted through the card network.
- 6SettlementConversion, ledger posting and reconciliation.
Card issuance and regulated services are provided by licensed issuing and compliance partners.
Overview
Software infrastructure for crypto card programs: virtual and physical card management, wallet integration, crypto-to-fiat conversion at authorisation, spend controls, KYC/KYB integration, settlement, reporting and APIs — connected to your chosen issuing and compliance partners.
The problem
A crypto card touches three worlds at once — digital asset wallets, card networks and regulated payments. Stitching together an issuer-processor, custody, conversion, ledger and support tooling without a clear architecture leads to reconciliation gaps and slow launches.
The solution
Crypto Card Infrastructure provides the program software: card lifecycle, wallet-linked funding, real-time conversion at authorisation, controls, ledger and back-office. Actual card issuance, BIN sponsorship and regulated services are provided by qualified third-party issuing and compliance partners that you contract with.
Feature modules
What's inside
Card management
Virtual and physical cards, activation, freeze, replace and PIN flows via the issuer-processor.
Wallet integration
Fund card spend from crypto or stablecoin balances held in your wallet or custody.
Crypto-to-fiat conversion
Quote and convert at authorisation or via pre-funding, with configurable spreads.
Transaction controls
Limits, merchant categories, geography and real-time approve/decline rules.
KYC/KYB integration
Cardholder and business onboarding through your chosen verification providers.
Settlement & ledger
Double-entry ledger reconciled against issuer, conversion and custody reports.
Reporting & admin
Program dashboards, disputes, support tools and exports.
API
Card, wallet and transaction APIs for your apps and partners.
Product preview
Designed for operators and end users.
- Virtual and physical card programs
- Wallet-linked funding from crypto and stablecoins
- Real-time authorisation decisioning
- Spend controls and merchant category rules
- KYC/KYB provider integration
- Multi-currency ledger and reconciliation
- Merchant payments and cashback-ready rewards engine
- White-label mobile and web apps
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Architecture
Built to integrate and extend.
Modular services behind stable APIs, deployed into your environment.
Specifications
Deployment, security and integration
Integrations
- Card issuer-processors (BIN sponsors)
- Custody & wallet providers
- Conversion / liquidity providers
- KYC/KYB providers
- Card network tokenisation (via issuer)
Security
- Double-entry ledger with immutable journal
- Maker-checker controls for sensitive operations
- Encryption, tokenisation and secrets management
- Strong customer authentication and device binding
- Comprehensive audit trails
- Architecture aligned with PCI DSS where card data is involved
Deployment
- Your cloud account in your chosen region
- Dedicated single-tenant deployment
- Private cloud / on-premises Kubernetes
- Managed deployment with operational support
Customisation
- White-label mobile and web apps
- Product, fee and limit configuration
- Partner and provider adapters
- Custom workflows and back-office tools
- Reporting and data exports
Use cases
Who launches with it
- Crypto wallet cardLet wallet users spend balances anywhere cards are accepted.
- Exchange cardA card for exchange customers funded from trading balances.
- Stablecoin business cardCorporate spend funded from stablecoin treasury.
- Neobank crypto add-onCrypto-funded cards inside an existing banking app.
See it in action
Request a tailored demo for your use case.
Demos are tailored to your markets, partners and integration requirements.
Custom engineering
Extend it with our services
Crypto Card Platform
Crypto card programs: spend digital assets anywhere cards are accepted, with real-time conversion via partners.
Learn moreCard Issuing Platform Integration
Integrate card issuing into your product — processor APIs, real-time authorisation, ledgers and cardholder experiences.
Learn moreCard Management System
Card management systems for banks and fintechs — lifecycle, controls, limits, disputes, tokenisation and servicing.
Learn moreRelated products
Works well with
Learn more
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreFinTech app development cost: scoping payments, banking and lending products
FinTech budgets are shaped less by screens than by partners, ledgers, compliance and reliability. A guide to the drivers behind a neobank, wallet, payments or lending build.
Learn moreFAQ
Frequently asked questions
Can Shivacha issue cards?
No. Card issuance, BIN sponsorship and card network membership are provided by licensed issuing partners. Shivacha builds and integrates the program software around them.
How long does a crypto card launch take?
Software integration typically takes three to five weeks once an issuing partner is selected. Issuer onboarding, card network approval, compliance review and card production have separate timelines, often longer than the software work.
How is crypto converted at the point of sale?
Depending on the program design, balances are converted in real time at authorisation or pre-funded into fiat, using the liquidity or conversion provider you choose.
Which regions are supported?
Availability depends on your issuing and compliance partners' coverage. The software is region-agnostic and supports multiple currencies.
Request a product demo.
See how Shivacha Crypto Card fits your business, and how we would customise and deploy it.