White Label Crypto Cards Explained: How They Work and Why You Need One Today
Between January and July 2025, cryptocurrency usage in the U.S. grew by 50%. However, while many people own cryptocurrencies, very few have a way to spend them. For example, you want to buy a cup of coffee and have $5,000 worth of bitcoin that you own. You convert your bitcoin to dollars on an exchange, wait for the transaction to settle, transfer the dollars to your bank account, and by the time you actually have cash, you're already looking at using a different platform. This type of scenario occurs literally millions of times every day! When individuals do not have the ability to consume their cryptocurrencies, they lose interest in owning them.
White label crypto cards are the solution! Users can go from holding a cryptocurrency to spending it in a matter of seconds!
What Are White Label Crypto Cards
A pre-paid debit card for users makes it easy to load crypto and convert it at checkout for local currency to complete the transaction, allowing them to use it comfortably. Nonetheless, creating a new card program from scratch can take anywhere from 12-18 months, cost millions of dollars, and require 24/7 operations, compliance, and fraud prevention by a large team.
White label is when a provider handles all of the above complexity for you with a single back-end entity providing the completion of the payment process, while you maintain ownership of your brand, user experience, and direct relationship with your customers (your logo and your app, your pricing, and your customer data). The crypto cards development company also establishes all the required compliance with multiple jurisdictions, payment connections with Visa and MasterCard, KYC/AML processes, and ensures 24/7 operations. Because of this pre-established infrastructure provided by a white label provider, your card solution gets launched within 4-8 weeks with regulatory adherence already established and payment networks pre-linked.
The following is a guide to how these co-branded cards operate
When users open your application, they'll have the option to choose an amount of cryptocurrency. They may choose Bitcoin, Ethereum, or USDT. This amount will then be locked into a wallet by your app, throughout which you control the touchpoint experience. At the same time, your white label crypto card development vendor will have total command over how the payments are processed behind the scenes.
The only information the user will see when using this service is their balance, say, $500 USDT, and whenever they wish, they can pay for their purchases using this amount from their card. If a user buys a cup of coffee for $5, he or she will tap their card, which will then send a request to Visa/Mastercard's processing network. Visa/Mastercard will receive it, then check whether the user's card is in good standing, and confirm that there are sufficient funds available to transfer. Finally, the required amount will be converted from USDT to USD using the current market rate, and the vendor will get settlement confirmation. All of this happens very quickly (within five seconds).
The merchant will never know that crypto was part of the transaction. To them, the sale appears as a normal Visa transaction through the terminal. There are no new POS systems to implement, no training, and no additional integration work. The crypto layer runs underneath.
The customer sees complete details of the transaction in real time on the app. Merchant name, what they spent, conversion rate, timestamp, and their remaining balance. With this, you are able to create transparency to build trust with them.
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