Crypto Card Platform
Crypto card programs: spend digital assets anywhere cards are accepted, with real-time conversion via partners.
- 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 |
Division
Service area
Web3 FinTech
Engagement
Project · Team · Managed
Overview
Crypto cards let users spend digital assets at any merchant accepting cards, with conversion to fiat at authorisation or settlement through partners. We build the technology connecting crypto balances to card programs: real-time authorisation against crypto balances, conversion via liquidity partners, holds and settlement accounting, rewards and the cardholder app — with licensed issuers.
Card issuing is provided by licensed issuing partners; Shivacha delivers the integration technology.
Common use cases
- Crypto debit cardsSpend from crypto balances.
- Stablecoin cardsSpend stablecoin balances like dollars.
- Crypto rewards cardsRewards paid in digital assets.
- Business crypto cardsCompany spend from treasury balances.
Faster route to launch
Start from our white-label crypto card platform.
Most crypto card platform projects don't need to begin from zero. Shivacha Crypto Card provides a production-ready foundation that we customise to your brand, workflows and integrations — or we engineer a fully custom platform where your requirements demand it.
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.
Quick answers
Crypto Card Platform at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is crypto card platform?
- Crypto card programs: spend digital assets anywhere cards are accepted, with real-time conversion via partners.
- Who is it for?
- Typically neobanks, payment companies, lenders, wealth platforms and financial institutions building or modernising customer-facing and back-office systems.
- What does Shivacha provide?
- Authorisation engine
- Conversion
- Hold management
- Rewards
- Card management
- Reconciliation
- Which technologies are used?
- Ethereum, Solana, TRON, Base, ERC-20, MPC Cryptography — chosen to fit your stack and constraints.
- How does the process work?
- Product & regulatory model → Ledger & custody design → Chain integration → Risk integration → Operational readiness.
- What affects the cost?
- Banking, card, payment and KYC partners to integrate
- Ledger and reconciliation complexity
- Number of currencies, countries and payment rails
- Compliance, reporting and audit requirements
- Mobile, web and back-office scope
- Availability and disaster-recovery targets
- How long does it take?
- A regulated-market MVP usually takes 4–7 months including partner integrations; extensions to an existing platform can ship in weeks.
- How do I get started?
- Share a short brief in the form below, book a 30-minute call or message us on WhatsApp. A senior engineer replies within one business day; NDA on request.
Capabilities
What we deliver
Authorisation engine
Real-time checks against crypto balances.
Conversion
Price locks and conversion via partners.
Hold management
Holds, reversals and settlement differences.
Rewards
Digital asset cashback programs.
Card management
App-based card controls.
Reconciliation
Card settlement vs crypto conversion.
Architecture
Engineered right from day one
The layers we typically design for Web3 FinTech, adapted to your stack and partners.
- On-chain / off-chain reconciliationCustomer ledgers reconciled continuously with wallet and custodian balances.
- Key managementInstitutional custody or MPC integration, never ad-hoc key storage.
- Chain reorganisationsConfirmation policies and reorg handling per network.
- Regulatory positioningRegulated activities performed by licensed partners; we build the technology.
Delivery
How an engagement runs
- 1
Product & regulatory model
Define products and which licensed partners provide custody, exchange and fiat services.
- 2
Ledger & custody design
Internal ledger reconciled to on-chain balances and custodian records.
- 3
Chain integration
Deposit detection, withdrawals, confirmations and fee management per network.
- 4
Risk integration
Screening, monitoring and travel-rule messaging integrated into flows.
- 5
Operational readiness
Treasury, reconciliation and incident procedures before launch.
Security
Security built into delivery
Controls we apply by default on this kind of work — not a separate phase at the end.
Ledger integrity
Double-entry, immutable journals and daily reconciliation against partners.
Idempotent money movement
Every payment operation safe to retry, with no double-spend.
Access control
Maker-checker approvals, least privilege and full audit logging.
Data protection
Encryption in transit and at rest, tokenised card data and PCI-aware architecture.
Technology
Tools we use for this
Products
Start from a platform
Shivacha Crypto Card
Branded crypto-powered card experiences connecting digital assets, wallets and everyday payments.
Learn moreShivacha Web3 Neobank
A neobank for fiat and digital assets — accounts, cards, swaps and transfers in one app.
Learn moreShivacha Crypto Wallet
Custodial or MPC wallets for fintech products and exchanges.
Learn moreRelated services
Often combined with
Web3 FinTech Development
Web3 FinTech products — crypto banking, stablecoin payments, digital asset trading and tokenized finance — built to financial standards.
Learn moreCrypto Banking Platform
Crypto banking platforms combining accounts, cards, transfers and digital assets in one regulated-partner experience.
Learn moreCrypto Neobank Development
Launch a crypto neobank: mobile app, fiat and crypto accounts, cards, swaps and transfers — built on licensed partners.
Learn moreDedicated team
FinTech Engineering Team
Engineers experienced in ledgers, money movement and financial partner integrations.
Work & insights
Related thinking
Stablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn morePolicy-controlled institutional digital asset operations
A reference design for institutions that need every digital asset transaction initiated, approved and signed under explicit policy.
Learn moreStablecoins in the enterprise treasury: a technology checklist
Before holding or moving stablecoins, enterprises need custody, policies, accounting data, reconciliation and clear partner responsibilities.
Learn moreFAQ
Frequently asked questions
Can Shivacha issue crypto cards?
No. Cards are issued by licensed issuers; we build the technology that links crypto balances to those card programs.
How is price movement handled between authorisation and settlement?
Through price locks, buffers on holds and settlement adjustment rules defined in the program.
How is Web3 FinTech different from a crypto exchange?
Web3 FinTech focuses on financial-services products — accounts, payments, cards, savings, treasury — that use digital assets, rather than purely on trading. Exchanges are one component we also build.
Which stablecoins and networks do you support?
We integrate the stablecoins and networks your partners and markets require, commonly on Ethereum, major Layer 2 networks, Solana and Tron. Selection is driven by liquidity, cost and compliance considerations.
Next step
Discuss Your Blockchain Project.
Tell us about your crypto card platform requirements — goals, timeline and constraints. We will reply with questions, an approach and next steps.
- Senior engineer reads every enquiry
- Reply within one business day
- NDA on request
Your details are used only to reply to this enquiry.