Card Issuance (Coming Soon)

Coming Soon - Card Issuance is currently in development and will be available in Q2 2026. This documentation provides an overview of the upcoming features.

What is Card Issuance?

Venly’s Card Issuance product enables you to issue white-label Mastercard debit cards directly linked to USDC wallets. Your users can spend their cryptocurrency holdings anywhere Mastercard is accepted, while you capture interchange revenue on every transaction.

Virtual Cards

Instant issuance for online and mobile payments

Physical Cards

Branded plastic cards for in-person transactions

USDC Integration

Direct spending from stablecoin wallets

Interchange Revenue

Earn revenue on every card transaction

Key Features

💳 White-Label Card Program

Issue cards under your own brand with full customization:

Custom Card Design: Your logo, colors, and branding
Branded Cardholder Experience: Custom mobile app integration
Your Business Name: Cards issued in your company name
Direct Program Management: Full control over card operations

🔗 USDC Wallet Integration

Seamless connection to Venly Finance wallets:

Real-Time Balance: Cards linked directly to USDC wallet balances
Instant Settlements: Transactions settle immediately from wallet
Multi-Currency Support: Automatic conversion at point of sale
Unified Treasury: Single view of wallet and card balances

💰 Interchange Revenue Model

Capture interchange fees on every card transaction:

Typical Interchange: 1.5% - 2.5% per transaction
Monthly Revenue: Captured on every cardholder transaction
Transparent Reporting: Real-time interchange tracking
Direct Settlement: Revenue paid directly to your account

🌍 Global Acceptance

Mastercard network coverage:

200+ Countries: Accepted worldwide
40M+ Merchants: Online and offline acceptance
ATM Withdrawals: Cash access at Mastercard ATMs
Contactless Payments: NFC-enabled for tap-to-pay

How It Works

1. Program Setup

Partner with Venly to establish your card program

Complete Mastercard program application
Configure card design and branding
Set up compliance and KYC requirements
Define spending limits and controls

2. Cardholder Onboarding

Your users complete KYC and request cards

User completes identity verification
Links USDC wallet to card program
Selects virtual or physical card
Card issued instantly (virtual) or shipped (physical)

3. Card Activation

Cardholders activate and start spending

Virtual cards: Active immediately
Physical cards: Activate upon receipt
Set PIN for ATM and chip transactions
Configure spending limits and controls

4. Transaction Processing

Real-time authorization and settlement

Cardholder makes purchase
Merchant requests authorization
Venly checks USDC wallet balance
Transaction approved/declined
USDC converted to fiat at POS
Settlement to merchant
Interchange fee captured

5. Revenue Capture

Earn interchange on every transaction

Interchange fees calculated automatically
Revenue tracked in real-time dashboard
Monthly settlement to your account
Detailed reporting and analytics

Card Types

Virtual Cards

Instant Issuance for Digital Payments

Instant Activation: Available immediately upon approval
Online Shopping: Use for e-commerce and subscriptions
Mobile Wallets: Add to Apple Pay, Google Pay
Secure Transactions: 3D Secure authentication
No Physical Shipping: Zero delivery time or cost

Ideal For:

Online marketplaces
Subscription services
Digital-first businesses
Quick user onboarding

Physical Cards

Branded Plastic Cards for In-Person Use

Custom Design: Your logo and branding
Contactless Enabled: NFC tap-to-pay
Chip & PIN: EMV chip security
Magnetic Stripe: Legacy terminal support
ATM Access: Cash withdrawals worldwide

Ideal For:

Retail spending
Travel and hospitality
Cash access needs
Premium user experience

Use Cases

🎮 Gaming & iGaming Platforms

Enable players to spend winnings instantly:

Issue cards to verified players
Link to player wallet balances
Instant access to winnings
Capture interchange on player spending

Revenue Potential: Capture interchange revenue on every player transaction

💱 Crypto Exchanges & Trading Platforms

Let traders spend crypto holdings:

Convert crypto to spendable cards
Real-time balance updates
Multi-currency wallet support
Seamless fiat off-ramp

🏦 Neobanks & Fintechs

Complete banking experience:

Accounts + Wallets + Cards in one platform
Unified customer experience
Additional revenue stream
Competitive differentiation

💼 Corporate Expense Management

Issue cards for business spending:

Employee expense cards
Department budget controls
Real-time spend tracking
Automated reconciliation

Interchange Revenue Model

How Interchange Works

Every card transaction generates interchange fees paid by merchants:

Transaction: $100 purchase
Interchange Rate: 1.8%
Interchange Fee: $1.80

Your Revenue: Captured per transaction

Revenue Potential

Interchange revenue scales with monthly card spend. Larger programs unlock both higher absolute revenue and improved per-card economics. Actual interchange rates vary by merchant category, card type, and transaction type — typical range is 1.5% – 2.5%.

Card Controls & Security

Spending Limits

Flexible controls for risk management:

Per-Transaction Limits: Maximum single transaction amount
Daily Limits: Total daily spending cap
Monthly Limits: Monthly spending budget
ATM Withdrawal Limits: Cash withdrawal restrictions
Merchant Category Restrictions: Block specific merchant types

Security Features

Multi-layer security protection:

3D Secure: Additional authentication for online purchases
Real-Time Fraud Detection: AI-powered transaction monitoring
Instant Card Freeze: Users can freeze cards instantly
Biometric Authentication: Fingerprint/Face ID for mobile
Tokenization: Secure token-based transactions

Compliance

Built-in regulatory compliance:

KYC/AML: Automated identity verification
Transaction Monitoring: Real-time suspicious activity detection
Sanctions Screening: Automatic sanctions list checking
Regulatory Reporting: Automated compliance reports
PCI DSS Compliant: Secure card data handling

Integration Overview

API Endpoints (Coming Soon)

# Issue a new card
POST /v1/cards
{
  "cardholderAccountId": "account-id",
  "cardType": "VIRTUAL",
  "walletId": "usdc-wallet-id",
  "spendingLimits": {
    "daily": 1000,
    "monthly": 10000
  }
}

# Get card details
GET /v1/cards/{cardId}

# Freeze/Unfreeze card
POST /v1/cards/{cardId}/freeze
POST /v1/cards/{cardId}/unfreeze

# List transactions
GET /v1/cards/{cardId}/transactions

# Get interchange revenue
GET /v1/cards/interchange-revenue

Webhook Events

Real-time notifications for card events:

card.issued - New card created
card.activated - Card activated by user
card.frozen - Card frozen
transaction.authorized - Transaction approved
transaction.declined - Transaction declined
transaction.settled - Transaction completed
interchange.earned - Interchange revenue captured

Mastercard Program Manager

Venly is a Mastercard Program Manager, providing: ✅ Direct Issuance Capability: Issue cards without intermediaries
✅ Program Management: Full control over card operations
✅ Compliance Support: Regulatory guidance and support
✅ Technical Integration: Complete API and webhook infrastructure
✅ Settlement Services: Direct settlement to your accounts

Roadmap

Q2 2026 - Initial Launch

Virtual card issuance
USDC wallet integration
Basic spending controls
Interchange revenue tracking
API and webhooks

Q3 2026 - Enhanced Features

Physical card issuance
Multi-currency support (EURC, USDT)
Advanced fraud detection
Mobile SDK for card management
Enhanced reporting and analytics

Q4 2026 - Enterprise Features

Corporate card programs
Multi-level approval workflows
Advanced spending controls
Custom card designs
White-label mobile app

Getting Started

Prerequisites

To participate in the Card Issuance program, you’ll need: ✅ Active Venly Finance Account: Verified company account
✅ Mastercard Program Approval: Complete program application
✅ Compliance Requirements: KYC/AML procedures in place
✅ Minimum Volume: €500K+ monthly expected card spend
✅ Technical Integration: API integration capability

Early Access Program

Join the Waitlist

Priority onboarding when available
Discounted launch pricing
Dedicated integration support
Beta testing opportunity

Contact: venlyfinance.com/contact

Comparison: Card Issuance vs Traditional PSPs

Feature	Traditional PSPs	Venly Card Issuance
Setup Time	6-12 months	2-4 weeks
Integration Complexity	High (multiple vendors)	Simple (one API)
Interchange Revenue	0-30% share	70-85% share
Crypto Integration	Limited/None	Native USDC support
Monthly Fees	€5-10 per card	€2.50 per card
Settlement Time	T+2 to T+5	Real-time
White-Label	Limited customization	Full branding control

Frequently Asked Questions

What currencies are supported?

At launch, cards will be linked to USDC wallets on Base blockchain. Support for EURC and USDT is planned for Q3 2026.

How quickly can cards be issued?

Virtual cards are issued instantly upon approval. Physical cards are produced and shipped within 5-7 business days.

What are the spending limits?

Default limits are €1,000 per transaction, €5,000 daily, and €20,000 monthly. You can configure custom limits per cardholder.

How is interchange revenue calculated?

Interchange is calculated as a percentage of each transaction (typically 1.5-2.5%) and varies by merchant category. You receive 70-85% of the interchange fee based on your volume tier.

What compliance requirements apply?

Cardholders must complete KYC verification. Your company must have AML procedures and transaction monitoring in place. Venly provides compliance tools and support.

Can I customize the card design?

Yes, physical cards can be fully customized with your logo, colors, and branding. Virtual cards display your branding in mobile wallets.

What happens if a wallet balance is insufficient?

Transactions are declined in real-time if the USDC wallet balance is insufficient. Users receive instant notifications to add funds.

Are ATM withdrawals supported?

Yes, cardholders can withdraw cash at any Mastercard-enabled ATM worldwide. Standard ATM fees apply (€2.00 per withdrawal).

Next Steps

Join Waitlist

Finance API

Explore wallet integration

Contact Sales

Discuss your card program

Pricing Calculator

Estimate your revenue (coming soon)

Support

Questions about Card Issuance?

Contact: venlyfinance.com/contact
Documentation: docs.venlyfinance.com

Coming Soon

Documentation Index

​What is Card Issuance?

Virtual Cards

Physical Cards

USDC Integration

Interchange Revenue

​Key Features

​💳 White-Label Card Program

​🔗 USDC Wallet Integration

​💰 Interchange Revenue Model

​🌍 Global Acceptance

​How It Works

​Card Types

​Virtual Cards

​Physical Cards

​Use Cases

​🎮 Gaming & iGaming Platforms

​💱 Crypto Exchanges & Trading Platforms

​🏦 Neobanks & Fintechs

​💼 Corporate Expense Management

​Interchange Revenue Model

​How Interchange Works

​Revenue Potential

​Card Controls & Security

​Spending Limits

​Security Features

​Compliance

​Integration Overview

​API Endpoints (Coming Soon)

​Webhook Events

​Mastercard Program Manager

​Roadmap

​Q2 2026 - Initial Launch

​Q3 2026 - Enhanced Features

​Q4 2026 - Enterprise Features

​Getting Started

​Prerequisites

​Early Access Program

Join the Waitlist

​Comparison: Card Issuance vs Traditional PSPs

​Frequently Asked Questions

​Next Steps

Join Waitlist

Finance API

Contact Sales

Pricing Calculator

​Support

What is Card Issuance?

Key Features

💳 White-Label Card Program

🔗 USDC Wallet Integration

💰 Interchange Revenue Model

🌍 Global Acceptance

How It Works

Card Types

Virtual Cards

Physical Cards

Use Cases

🎮 Gaming & iGaming Platforms

💱 Crypto Exchanges & Trading Platforms

🏦 Neobanks & Fintechs

💼 Corporate Expense Management

Interchange Revenue Model

How Interchange Works

Revenue Potential

Card Controls & Security

Spending Limits

Security Features

Compliance

Integration Overview

API Endpoints (Coming Soon)

Webhook Events

Mastercard Program Manager

Roadmap

Q2 2026 - Initial Launch

Q3 2026 - Enhanced Features

Q4 2026 - Enterprise Features

Getting Started

Prerequisites

Early Access Program

Comparison: Card Issuance vs Traditional PSPs

Frequently Asked Questions

Next Steps

Support