Financial & Legal

A crypto virtual card is a digital payment card that can be added to mobile wallets like Google Pay and Apple Pay. As crypto companies continue expanding their offerings, virtual cards offer a seamless and secure way to make crypto payments more accessible and convenient for users.

Unlike traditional payment methods, crypto virtual cards allow users to connect both their crypto and fiat balances, eliminating the need to pre-convert or pre-fund accounts before making purchases. This makes it easy for users to pay directly from their crypto accounts for everyday expenses.

Why Businesses Should Issue Virtual Cards

The virtual card API empowers neobanks, web3 apps, and crypto companies to issue virtual cards quickly and easily. By simplifying the complex traditional card-issuing process, Striga’s all-in-one crypto banking solution enables businesses to issue cards with just a few clicks.

Enhanced Security and Safety

Since virtual cards are entirely digital, they come with added layers of security. Once added to a mobile wallet, users can instantly lock or unlock their cards in case of an emergency, ensuring greater control over their accounts.

Businesses using the platform can create, freeze, and manage virtual cards through a single dashboard. With features like 3D Secure tied to mobile numbers and passwords, companies retain full control over the card program, providing an additional layer of safety for their users.

Instant Access to Payments

Unlike physical cards, which can take weeks to arrive, virtual cards are available instantly. As soon as a virtual card is issued, users can start making immediate purchases.

Crypto exchange wallet platforms can offer virtual debit card programs, allowing users to pay directly from their crypto accounts without ever leaving the crypto ecosystem.

Control Over Budgeting and Spending

Virtual cards offer users the ability to manage their spending habits by setting limits directly through their mobile apps. These limits can apply to specific transaction types, such as online subscriptions or daily spending caps. 

In addition, users can track their transaction history, providing them with better visibility over their expenses. A crypto banking solutions also incorporate advanced security features like multi-factor authentication, encryption, and real-time fraud monitoring, ensuring the highest level of protection.

Empower a Crypto-Forward Lifestyle with Virtual Cards

The full potential of cryptocurrency is realized when users can make payments as easily as they do with traditional bank accounts. With virtual card API, users can onramp crypto into their accounts and make secure, direct payments with their virtual crypto card—whether it's for groceries or other daily needs.

Here’s how the process works for end users looking to issue virtual cards:

1. The user signs up for an account in their preferred crypto app, completes KYC onboarding, and onramps their preferred cryptocurrencies.

2. They then order a virtual card, which is immediately available for use.

3. When the user makes a purchase, the transaction processes just like any Visa or MasterCard.

4. A Just-in-Time funding request is sent to the card issuer, which the crypto app validates by checking the user’s crypto balance.

5. Once confirmed, fiat funds are released, and the transaction is completed in real time.

By offering virtual cards, businesses can help users fully integrate crypto into their daily lives, enabling a truly crypto-forward lifestyle.

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