/ The path to on-chain finance

The rails
behind every
spend.

SPND is the embedded card infrastructure for Web3 wallets, neobanks, marketplaces, gig platforms & creator economies — one API covers BIN sponsorship, KYC, FX, compliance & settlement.

Launch your program → Read the API docs
The flow → from issue to settle
01 / BIN
Sponsorship
Global licensed issuers — no need to source your own
02 / KYC
Compliance
Onboarding, AML & sanctions handled
03 / FX
Crypto → Fiat
Real-time conversion at point of load
04 / Settle
Reconcile
Treasury, ledger & chargebacks
SPND card
/ Where the money moves

A balance
is only real
once it's spent.

A wallet balance isn't money until it buys something. SPND turns digital balances — stablecoins, fiat, payroll — into tap-to-pay that works at a kiosk in Manila, a fruit stall in Cairo, or a balcony checkout in Bali.
Remote worker paying online from a balcony workspace
// Remote & freelance

Balance on-chain.
Checkout anywhere.

Freelancers and remote workers funded in USDC spend on Shopify, SaaS and flights — no off-ramp friction. Virtual card live in <30s after KYC.

Shopper at an open-air produce market
// Cross-border

Spend in the local currency.

Real-time FX at point of load — no double conversion, no surprise fees when your users travel or settle abroad.

/ The Solution

One API.
Every layer managed.

SPND sits between your platform and global card rails — partners focus on users, SPND handles the stack. BIN sponsorship, compliance, FX, disputes — all of it.
Partner
Your platform
Web3 wallet
Neobank
Marketplace
Gig platform
Crypto exchange
›
SPND
Infrastructure
KYC / KYB
Card issuance
FX & crypto rails
Fraud / AML
Disputes · ledger
›
Rails
Card networks
Visa & Mastercard
BIN sponsor
Custodian
Processor
/ Product

Six modules.
One integration.

Every layer of a card program — BIN sponsorship to dispute ops — delivered as composable APIs. Take the full stack or only what you need.
01

BIN Sponsorship

Issue on Visa & Mastercard rails through our global network of licensed issuing partners — no need to obtain your own card-issuing license.

BIN 5466 ·· ·· ·· ·· ·· · Tier-1
02

KYC / KYB & AML

Automated identity verification, sanctions screening, full AML program built in.

PASS 100% · OFAC · EU · HMT · UN
03

Card Issuance

Virtual cards in <30s. Physical cards in 5–7 days. Apple & Google Pay ready.

LIVE 00:00:23 · virtual
04

FX & Crypto

Real-time crypto-to-fiat at point of load. Multi-currency FX with global coverage.

1 USDC = 1.0001 USD ↻ live
05

Fraud & Disputes

3DS2 scoring, chargeback handling, zero-liability protection — all ops managed.

3DS2 · 0.07% fraud rate · zero-liability
06

PCI DSS L1

Annual QSA audit. Full compliance stack — zero effort from you.

L1 certified · audited 2025 · QSA
/ Developer experience

API-first.
Ops-managed.

REST API + webhooks. No SDK complexity. Sandbox live in 1 week. Sign every event with HMAC, auth via OAuth 2.0.

<30s issuance

Virtual card live immediately post-KYC.

Full sandbox

Identical to production — test everything.

OpenAPI 3.0

Auto-generated SDKs, any language.

OAuth 2.0 + HMAC

Every event cryptographically signed.

spnd-api · cardholders.sh
201 Created
// 1. Create cardholder
POST /v1/cardholders
{ name, dob, address, phone }
// 2. KYC approved <30s
→ kyc_approved tier: 1
// 3. Issue virtual card
POST /v1/cards
{ cardholder_id, type: "VIRTUAL" }
// 4. Card live
→ card_issued last4: "9021"
Engineering team integrating SPND on a partner's product
Live integration · São Paulo
// Integration partners

You won't
integrate alone.

Every program ships with a dedicated integration squad — solutions engineer, compliance lead, network specialist. Sandbox to first live transaction in weeks, not quarters.

1 week
Sandbox + first test card
2 weeks
Go live in production
4–8 weeks
Custom program — your design, fully tailored
/ Who SPND is for

Any platform
with users &
digital balances.

Three partner profiles. One integration. SPND adapts to the shape of your business — not the other way around.
Customer tapping a phone to pay at a neighborhood shop
// Field note
“The first card most of our users ever owned wasn't plastic — it was a tokenized number inside their wallet app.”
— Mobile-money corridor, West Africa · tap-to-pay live at neighborhood retail

Marketplaces &
Gig Economy

Gig platforms · Freelance · DAO payroll
  • Instant payout to worker cards
  • No bank account required
  • Spend controls & expense management
  • FX savings on global payouts

Web3 /
Crypto Wallets

MPC wallets · DeFi apps · Exchanges
  • On-chain balances to real spend
  • Crypto rewards in native token
  • VASP/CASP-compliant KYC
  • Multi-chain: ETH, SOL, TRX, Base, Arbitrum, Polygon

Neobanks &
Fintechs

Digital banks · Expense · BNPL
  • No need to get your own license
  • Fully white-labeled
  • Real-time balance sync
  • Launch a global multi-currency card

Creator
Economies

Creator payouts · Tips · Subscriptions
  • Instant payout to creator cards
  • Multi-currency on every continent
  • Branded card per platform
  • Earnings → spend, no off-ramp
/ Global coverage

Wherever your
users actually spend.

Five regional programs plus global online acceptance — localized KYC, FX and regulatory paths routed through a single API. Built for the countries fintech usually skips.
150M+
Merchants · Visa & Mastercard
30+ FX
Currencies at load

South Asia

IN · PK · BD · LK

INR · PKR · BDT · Local FX · Visa & Mastercard rails

Sub-Saharan Africa

NG · GH · KE · ZA

Mobile-money first · Tokenized card issuance

MENA

AE · SA · EG

Multi-currency · Regional KYC & sanctions paths

Southeast Asia

PH · ID · VN · TH

Underbanked-friendly KYC · Local FX

Global · Online CNP

USD · EUR · GBP

Card-not-present acceptance worldwide

+ Custom corridors

On request

Tell us where your users spend — we'll route the rails. US & EEA on request.

Geo availability subject to partner program structure and network agreements.
/ Settlement

Two settlement
models. One API.

Treasury-backed settlement for production workloads, or non-custodial smart-contract spend as an advanced option. Same endpoints, same SLAs.
Customer paying at a street kiosk in Southeast Asia
// Instant at the last mile

Every swipe ends
in a settled ledger.

From a sari-sari kiosk in Manila to a DeFi wallet in Berlin — SPND reconciles card authorizations against treasury or on-chain balances in real time. You see a clean ledger. The user sees an approved tap.

Primary · Live
01

Pre-funded

Partner pre-funds an SPND program account. Cards spend from the treasury pool with instant settlement.

How it works
Partner deposits fiat or crypto into a segregated SPND custodian account. SPND manages cardholder ledgers against the pool.
Ideal for
Neobanks · Gig & marketplace platforms · Partners managing centralised float.
Advanced · Beta
02

Pull-on-swipe
Non-Custodial

Smart contracts pull funds from the user's on-chain wallet at authorization — no pre-funded float required.

Multi-chain
Ethereum · Solana · Tron · Base · Arbitrum · Polygon · Optimism
Ideal for
MPC wallets · DeFi apps · Self-custody crypto users spending on-chain balances at POS.
/ What's managed

You focus on users.
We run the rails.

Compliance, network membership, fraud, disputes, audit — managed by SPND from day one. You ship product. We run the rails.
SPND Manages
BIN sponsorship via global network of licensed issuing partners
PCI DSS Level 1 — annual QSA audit
KYC / KYB — your UX, our compliance engine
AML program, monitoring & SARs
OFAC / EU / HMT / UN sanctions
Chargeback & dispute management
3DS2 fraud scoring & rules
Treasury reconciliation & ledger
FX & crypto-to-fiat conversion
Partner Retains
  • KYB certification & entity due diligence
  • Front-end AML — pre-screen users
  • User data privacy & GDPR consent
  • Brand guidelines (within Visa & Mastercard specs)
  • Customer support tier-1
  • Marketing & user acquisition
/ Competitive positioning

Skip the stack.
Ship the card.

Build it yourself, glue together a half-stack, or take the whole rail in weeks. Here's how those three look against each other.
Capability Build in-house Other providers SPND
Time to market18–36 months6–12 months2 weeks
BIN sponsorshipMust sourcePartialIncluded
PCI DSS L1Must certifyVariesIncluded
Crypto fundingBuild FXRareNative
KYC / AMLBuild / buyVariesEmbedded
Dispute managementBuild opsPartialFull ops
Revenue share100% build costLower splitNegotiated
Competitor timelines are market estimates. Revenue share negotiated per program.
/ Get started

Ready to launch
your card program?

SPND handles everything — BIN sponsorship, compliance, KYC, FX, disputes & settlement. You ship the product.

Talk to sales → Read API docs
You bring the users. We bring the rails.
/ 01
Weeks to launch
Sandbox 1 week · production 2 weeks
/ 02
Full compliance stack
PCI DSS L1
/ 03
Global Visa & Mastercard
Worldwide acceptance via Visa & Mastercard rails
/ 04
Suite of products
Card · transfers · yield · credit
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