The era where cryptocurrency was used only as an investment has gone by; users and consumers can use their holdings to spend in physical and online stores using a crypto card. The gap between digital assets and real-world use cases has been solved. Coinexra’s white-label crypto card solution is an industry-grade, cutting-edge technology integrated with In-demand features that unlock revenue opportunities for your business.
White Label Crypto Card has emerged as a convenient tool amongst crypto investors. The gap between holding your crypto assets and spending them in the real world, almost instantaneously, and with existing crypto integrations, has made opting for a crypto card a popular choice.
White Label Crypto Card Solutions for Seamless Crypto Payments
A white-label crypto card aims to provide real-world utility to digital assets, enabling users to spend their crypto through major global and regional payment networks, including Visa and Mastercard. This makes it widely accepted by international and local traders alike.
Coinexra’s white-label crypto card connects directly to the user’s crypto wallet using multi-chain integrations like Ethereum-compatible networks and Solana, thereby relying on centralised exchanges isn’t necessary for daily transactions.
User’s crypto is instantly converted to local fiat currency at the time of payment, creating a seamless checkout experience for both merchants and users. The entire process works seamlessly in the background, with users having full transparency and control of their assets until the transaction ends.
How Does a White Label Crypto Card Work?
White Label Crypto cards operate similarly to a traditional debit or credit card. Using a crypto card is a very simple process; it all starts with signing up with a card service provider and signing up for an account on the platform.
Verification and Linking with Crypto Wallet
Once an account is set up and the user verifies their identity by uploading the necessary documents and completing KYC, users can link their crypto wallet to the crypto card account.
Set up and Deposit Fund
User deposits crypto, and the provider loads the wallet with an equivalent amount of fiat currencies at the latest market rates. Users who have an external wallet can transfer their crypto to the card’s wallet.
Payment at an Online or Retail Store
Purchases made physically or at an online store can be paid with a crypto card, just like traditional debit or credit cards; the fiat equivalent of the purchase will be deducted. For online shopping, card details will be entered at checkout.
Our White Label Crypto Card Solutions
Coinexra offers multiple ranges of white-label crypto card solutions that align with your business needs. We strive to build you a market-ready, fully compliant crypto card solution tailored to match your use cases.
Custodial Crypto Card
A custodial crypto card’s usage is similar to using a regular debit or credit card, but it differs because the funds are stored in a custodial wallet managed by a third-party provider for the custodial crypto card.
Non-Custodial Crypto Card
There will be no third-party interference when it comes to a non-custodial crypto card, which allows users to spend directly from their personal wallet, with complete control over their funds.
Prepaid Crypto Card
A prepaid crypto card is where users convert their crypto to fiat currencies and load them into their card balance, and swipe or tap for purchases and spending.
Multi-Asset Crypto Card
Multi-asset cards support a vast number of tokens, making it a high-value option among users. Users opt for a multi-asset card as this provides flexibility without overcomplicating the process and seamlessly bridges the gap between crypto and real-world payments.
Stablecoin-Exclusive Card
USDC and USDT-only Crypto cards are gaining traction, especially for B2B use cases and emerging markets where users want dollar-denominated spending power without the risk of getting exposed to price volatility.
Regional Crypto Cards
Regional crypto cards are limited to specific countries or regions, like the EU, requiring compliance with Mica for crypto card providers. They work well and are limited to those markets alone. Businesses focusing on a limited geography.
Global Crypto Cards
Global cards are built for a broader audience, merchants that accept crypto, travellers, and crypto investors, and are often backed by payment networks.
Salient Features of Coinexra White-label Crypto Card Solutions
Coinexra’s feature-packed white-label crypto card solution is made for businesses to launch with ease, future-proofed, and with current trends.
Instant Crypto to Fiat Conversion
Coinexra's white-label crypto card solution allows businesses to offer real-time crypto-to-fiat conversion at checkout by integrating on/off-ramp providers, liquidity partners, and smart routing systems directly into the infrastructure. Businesses don’t have to depend on a crypto exchange, and end users can transact with ease, all in the same ecosystem.
Stablecoin Support and Management
Coinexra’s white-label crypto card supports leading stablecoins to reduce price volatility during payments and settlements, helping businesses offer a more reliable and consistent spending experience to the users, whilst maintaining usability.
Multi-chain Asset Spending
Our white-label crypto card solution improves usability and platform efficiency by enabling businesses to provide spending across major blockchains without having customers manually bridge or transfer assets with the help of multi-chain interoperability.
Digital Wallet Compatibility
Coinexra’s white-label crypto card solution is designed to work seamlessly with leading digital wallets such as Apple Pay, Google Pay, and Samsung Pay, and other popular wallets. Making sure smooth contactless payments are carried out across POS terminals and mobile wallet ecosystems.
Security Features of White Label Crypto Card
In a white-label crypto card, security is integrated into every aspect of the system, from wallet to transaction, offering a seamless crypto card solution customised to your brand.
Biometric Authentication
For user authentication, features such as fingerprint scanning and facial recognition are provided as a layer of security for mobile users, enabling fast and secure access without compromising convenience.
Two-Factor Authentication
2FA adds another verification layer by requiring a one-time password or authentication code through a trusted device before granting access. reducing the risk of unauthorized logins even if primary credentials are compromised.
3D Secure & Tokenization
By adding an authentication step during online transactions and substituting unique tokens for sensitive card information, 3D Secure & Tokenisation lowers the risk of fraud and data leakage.
AI-Powered Fraud Detection
AI-Powered Fraud Detection continuously analyses transactions in real time by analysing user behaviour and spending trends, to stop unauthorised or suspicious activity.
Business Benefits of Launching a White Label Crypto Card
Launching a white-label crypto card gives businesses a practical way to step into crypto payments without getting tied up in building the backend from scratch. A cost-effective crypto card setup allows businesses to generate revenue across different touchpoints without a heavy upfront investment.
Cost Effective
Launching a white-label crypto card is a hassle-free solution that allows businesses to enter the crypto space or improve their existing crypto services by having a white-label crypto card as an add-on service.
Customer Engagement and Loyalty
By offering premium services, crypto rewards, and loyalty programs achieves user retention, with the company’s ecosystem making it easy to improve userbase into other crypto services as well.
Multiple Revenue Streams
Launching a white-label crypto card gives you access to a plethora of revenue streams, right from card issuance to fees earned through subscription models.
Expansion Into New Markets
With a white-label crypto card, the core infrastructure is already built to support multiple regions. Entering a new market is easy, as all the heavy lifting has already been done. You can expand faster by leveraging existing integrations, payment network access, and regional support with ease.
Regulatory and Compliance Made Easy
Opting for our white-label crypto card allows you to focus more on growth and user acquisition while staying aligned with required regulations, as it all has been handled.
Tech Stack, Tools, and Platforms used for Building White Label Crypto Card
Our white-label crypto card solution is designed and built keeping in mind scalability, integrations, and interoperability. To achieve that, we have built our white-label crypto card solutions using industry-grade technology.
1) Blockchain Layer
Chains: Ethereum, Bitcoin, Solana
Node providers: Infura, Alchemy
Indexing: The Graph
2) Wallet & Custody Infrastructure
Custody providers: Fireblocks, BitGo
Wallet SDKs: MetaMask, WalletConnect
Key Security: MPC, HSM tools like AWS CloudHSM
3) Crypto-to-Fiat Conversion
Exchanges/liquidity: Coinbase, Kraken
On/Off Ramps: MoonPay, Ramp Network
4) Card Issuing & Payment Networks
Networks: Visa, Mastercard
Issuer Processors: Marqeta, Adyen
5) Processing & Authorization
Payment Processing: Stripe, Checkout.com
Card APIs: Galileo Financial Technologies
6) Compliance & Security
KYC/AML: Sumsub, Onfido
Fraud Prevention: Chainalysis, TRM Labs
7) Backend & API Layer
Backend: Node.js, Django
APIs: REST / GraphQL
Messaging: Apache Kafka
8) Frontend Layer
Mobile: Flutter, React Native
Web: React, Next.js
9) Banking & Fiat Infrastructure
Banking APIs: Solarisbank, ClearBank
Payment Rails: UPI (India), SEPA, ACH
10) Analytics & Monitoring
Monitoring: Prometheus, Grafana
Logs: ELK Stack
Unlock Revenue Streams of White-label Crypto Cards
Unlike regular debit or credit cards, where interests, penalties, and interchange fees are sources of income, the revenue streams of white-label crypto cards operate on a dynamic and multi-layered monetization model.
Conversion Fees
When users convert their crypto to fiat currency, a small percentage of fees can be levied upon that conversion. This has a multiplier effect when the user frequently makes transactions and spends across different merchants, and different high-value assets like Bitcoin and Ethereum.
ATM Withdrawal Fees
When users withdraw physical currency from an ATM by converting digital assets, atm withdrawal fees are charged, which could be a fixed withdrawal fee or a percentage-based fee. It is a high-margin revenue stream.
Card Load Fees
Every time a user adds funds to their card, either through fiat deposits or through crypto to fiat conversions, a card load or deposit fee can be charged. This is a recurring and direct charge.
Spending Limit Fees
When standard card limits are surpassed by users, a spending fee is imposed. For users requiring higher thresholds, they could opt for higher premium services. This brings in revenue without ruining the user experience.
Annual Fees
Annual fees are typically charged for continued access to the card and its features. When bundled with benefits like higher limits, rewards, or priority services, it positions itself as a premium service.
Virtual Card and Physical Card Issuance Fees
A virtual card issuance fee is a stable revenue stream and generates upfront revenue whenever a user signs up for a card or requests a replacement.
FAQ
How fast is the crypto to fiat conversion?
Instantly, the crypto-to-fiat conversion is near instant, similar to a regular debit or credit card transaction.
What is Coinexra’s white-label crypto card solution?
Coinexra enables businesses to launch their own cost-effective branded crypto card without undergoing long development processes.
How does the crypto card work?
At the time of payment, users’ crypto is converted into fiat in real time and processed via networks like Visa or Mastercard, ensuring universal merchant acceptance.
Which cryptocurrencies can be supported?
The solution supports major cryptocurrencies and other new cryptos, along with stablecoins like USDT and USDC.
Can we fully customize the crypto card and app?
Yes, the entire experience is white-labeled according to your business needs, including card design, mobile app interface, user journey, and reward structures.
How long does it take to launch?
Typical deployment ranges from 7 to 12 weeks, depending on integrations, compliance, and customization requirements.
What revenue streams can we earn from?
Businesses can earn through interchange share, crypto-to-fiat conversion margins, FX spreads, transaction fees, and premium subscription models.
Will the crypto cards work internationally?
Yes, Crypto cards issued through global networks like Visa and Mastercard are accepted worldwide.
Does the solution support mobile wallets?
Yes, Coinexra's white-label crypto card solution is compatible with leading digital wallets such as Apple Pay, Google Pay, and Samsung Pay.
Do users need to deposit funds?
Yes, users must hold crypto in their linked crypto wallet or account to enable transactions.
Is KYC and compliance handled?
Yes, Coinexra integrates KYC, AML, and regulatory compliance frameworks as part of the white-label crypto card solution.
Is the crypto card platform secure?
The infrastructure uses enterprise-grade custody, encryption, and monitoring tools, often leveraging providers.
Can users withdraw cash from ATMs?
Yes, ATM withdrawals are supported globally, with configurable limits and fees set up by the provider.