Give your users a card, keep your engineers
Monbits Card turns crypto balances into everyday spending power — virtual cards issued instantly, funded with crypto, accepted wherever Visa and Mastercard are.
The problem
Card issuing is the hardest crypto feature to ship in-house: card-network relationships, PCI DSS scope, KYC flows and 3-D Secure are each their own project, and a single one can stall a roadmap for quarters.
How Monbits answers it
Monbits Card packages issuing behind an API: virtual cards issued instantly after KYC, funded by crypto top-ups through redundant providers, with tiers, pricing and limits your platform reads programmatically.
What you get
Instant virtual issuing
Cards are issued in moments once a user passes verification — no plastic logistics, no waiting weeks.
Accepted where cards are
Spend anywhere Visa and Mastercard are accepted — online subscriptions, shopping, travel and more.
Crypto in, spending out
Users top up with crypto through redundant payment providers, so a single provider outage doesn't block funding.
Tiers your product can read
Card types, pricing, recharge fees and daily/monthly limits are exposed via API — your UI always shows real terms.
Compliance where it belongs
KYC runs before issuance, transactions get 3-D Secure, and the card infrastructure is PCI DSS compliant.
Events for everything
Webhooks fire for transactions, 3-D Secure checks and deposits, so your product mirrors card activity in real time.
Sparq runs its card offering on Monbits Card today.
From first call to live
Design the program
Choose the card tiers, limits and pricing that fit your audience — the terms your users will see.
Integrate issuing
Wire up the card API and webhooks; KYC and 3-D Secure flows come with the platform.
Issue on day one
Verified users get a working virtual card instantly and fund it with crypto from the start.
Common questions
Are the cards physical or virtual?
Virtual — issued instantly and ready for online use and mobile payments wherever Visa and Mastercard are accepted.
How do users fund their cards?
With crypto top-ups, processed through redundant payment providers so funding keeps working even if one provider has an outage.
What about KYC and security?
Verification runs before any card is issued, transactions are protected with 3-D Secure, and the infrastructure is PCI DSS compliant.
Can we offer different card tiers?
Yes — tiers with per-tier pricing, recharge fees and daily/monthly limits, all readable via the API so your product always displays current terms.
Put a card in your product
Tell us about your users and we'll design a card program — tiers, limits and pricing — around them.