Off-ramp roulette
Exchange → bank → card. Three days, three fees, and a bank that freezes the account when volume looks unusual.
Stablecoin-native spendingSpend your stablecoins
Spend your stablecoins
anywhere. No off-ramp.
ZikCards issues fully KYC-verified virtual cards funded directly from your USDC and USDT balance — so you pay any merchant on earth without routing money through a bank first.
- Full KYC issuance
- 140+ countries
- No monthly minimum
MERCHANT LOCKED
USDC balance
$2,480.00
•••• •••• •••• 4417
A. NOVA
ADS BUDGET
USDC balance
$18,500.00
•••• •••• •••• 0921
NORTHWIND MEDIA
- Countries supported
- 140+
- Flat fee on card spend
- 1.5%
- From KYC pass to live card
- < 60s
- Chains for funding
- 4
Countries supported
Flat fee on card spend
From KYC pass to live card
Chains for funding
Ad platformsApp storesCloud & SaaSMarketplacesTravel bookingSubscriptionsFreelance toolsDomains & hostingAd platformsApp storesCloud & SaaSMarketplacesTravel bookingSubscriptionsFreelance toolsDomains & hosting
The problem
Your money is liquid. Your spending isn't.
Getting paid in stablecoins is solved. Spending them is not. Today it means an exchange, an off-ramp, a bank that may not want your business, and days of float — for a $40 SaaS bill. ZikCards removes every step between your balance and the checkout page.
Declined at checkout
Generic prepaid BINs get blocked by ad platforms and app stores exactly when the budget matters most.
Balance → merchant
A verified card authorises against your stablecoin balance in real time. One hop, one fee, one receipt.
What you get
Get early access Built for people who actually spend.
Funded straight from stablecoins
USDC and USDT balances become spendable at authorisation time. No pre-funding, no bank wire, no off-ramp queue between you and checkout.
Full KYC, compliant issuance
Identity verification and sanctions screening run before every card is issued, so your card survives merchant risk checks instead of getting silently declined.
One card per merchant
Create unlimited merchant-locked virtual cards with hard caps. A leaked number can only ever be used by the one merchant it was minted for.
Honest cross-border FX
Interbank rate plus a small, visible margin — shown before you spend and itemised on every transaction, not buried inside a padded exchange rate.
Books that reconcile themselves
Every authorisation carries the on-chain funding reference, merchant, and FX leg — exportable as CSV so your accountant stops asking about wallet transfers.
Instant issuance & freeze
Spin up a card in seconds, push it to Apple Pay or Google Pay, freeze or burn it with one tap when a trial ends or a vendor goes rogue.
Our first vertical
Cross-border ad buyers and digital agencies.
We are not trying to be everyone's card. We start with the segment that bleeds the most: operators who earn in stablecoins and spend five figures a month on ad platforms, SaaS and creative tooling — and whose cards get declined the moment a campaign scales.
A card per client, not per person
Ring-fence every client budget with its own locked card and cap, so overspend is impossible and invoicing is obvious.
Approved by the platforms that matter
Verified issuance and stable BINs mean ad accounts, app stores and cloud vendors accept the card on the first try.
Month-end in minutes
Export spend by card, client and currency with the on-chain funding reference already attached.
How we compare
Positioning summary — capabilities as we build them.
| Capability | ZikCards | Bridge | RedotPay | Wise |
|---|---|---|---|---|
| Spend stablecoins without an off-ramp | ||||
| Sold direct to consumers & SMBs | ||||
| Unlimited merchant-locked virtual cards | ||||
| Team seats & per-card spend policy | ||||
| Full KYC for high-risk merchant approval | ||||
| Reconciliation with on-chain funding reference |
How it works
Three steps to your first card.
- 01
Verify once
Complete KYC with an ID and a selfie — KYB if you are onboarding a business. Most approvals land in under five minutes.
- 02
Connect a balance
Send USDC or USDT from any wallet or exchange on Solana, Base, Polygon or Tron. Your balance stays yours until a card authorises.
- 03
Issue and spend
Mint a virtual card per merchant, set a cap, add it to your wallet app, and pay. Settlement, FX and receipts are handled for you.
Early access, early opinions.
Illustrative quotes from our design-partner programme. Names and companies are fictional placeholders until launch.
“We buy ads in four currencies and get paid in USDC. ZikCards killed the two-day off-ramp loop we used to run every single week.”
“A locked card per client budget means I finally know which campaign burned what. My bookkeeper stopped chasing wallet transfers.”
“Our old cards were declined by half our SaaS vendors. Verified issuance fixed that, and the FX line is finally something I can explain.”
Pricing
Pay for control, not for access.
A flat 1.5% on card spend plus transparent FX on every plan. Paid tiers add the controls teams need. Cancel whenever — no lock-in, no minimum balance.
Starter
For individuals spending their own stablecoin balance.
$0/mo
- 3 active virtual cards
- 1.5% card spend fee
- Apple Pay & Google Pay
- CSV export
Growth
For solo operators running merchant-locked budgets.
$9/mo
- Unlimited merchant-locked cards
- Per-card caps & auto-freeze
- Reduced FX margin
- Priority support
Business
For small teams and agencies with shared spend.
$29/mo
- 10 team seats & roles
- Spend policies per seat
- Accounting exports & receipts
- Higher card limits
FAQ
Questions, answered.
Still curious about limits, chains or compliance? Join the waitlist and we'll send the full launch brief.
Your card draws straight from your stablecoin balance (USDC or USDT on Solana, Base, Polygon or Tron). When you tap or pay online, we convert the exact amount at authorisation time — no pre-loading, no separate off-ramp, no bank wire.
Yes. Every cardholder completes full KYC before issuance, and businesses complete KYB. It takes a few minutes with a government ID and a selfie, and it is what lets us issue compliant cards in 140+ countries.
Anywhere the network is accepted — online checkouts, subscriptions, ad platforms, app stores, and in person through Apple Pay and Google Pay. Virtual cards are issued instantly; you can create one per merchant.
A 1.5% fee on card spend, transparent FX at the interbank rate plus a small margin, and no monthly minimum on the Starter plan. Growth ($9/mo) and Business ($29/mo) add multi-card controls, team seats and higher limits.
Bridge sells infrastructure to companies, not cards to you. RedotPay is consumer-first but thin on business controls and spend policy. Wise still needs fiat in a bank account. ZikCards is stablecoin-native and built around unlimited merchant-locked cards with real spend controls.
Cross-border digital operators — freelancers, media buyers and small agencies who earn in stablecoins and burn budget on ad platforms and SaaS. Their cards get declined constantly. That is the pain we solve first.
Get a card that speaks stablecoin.
We're onboarding the first cohort of verified cardholders now. Add your email and we'll reserve your slot.