How the card works

Do merchants need to accept crypto to use this card?

No. When you make a purchase, your USDC balance is automatically used to collateralise the transaction. The merchant processes a standard Visa transaction — they never know crypto is involved.

What is USDC and why is it used?

USDC is a regulated stablecoin pegged 1:1 to the US dollar, issued by Circle. Because its value is stable, your card balance is always predictable — there is no risk of your funds losing value.

Is this a debit card, credit card, or prepaid card?

It is a Visa credit card. You can only spend funds you have USDC in your Currency.com balance. There is no credit line, no borrowing, and no risk of going into debt.

Is Currency.com custodial? Who holds my funds?

Currency.com is a custodial service. This means your funds are held securely by Currency.com on your behalf. You do not manage private keys. Your card balance is backed by USDC held in your Currency.com account.