Payment Solutions
Crypto cards
We enable you to bring your crypto payment solutions to the mainstream with customized debit and credit cards.
Modern card issuing allows consumers to earn and spend crypto without having to change their spending habits
Earn crypto
Provide crypto rewards on debit and credit card purchases leveraging real-time transaction data.
Spend crypto
Allow users to spend their crypto balance by converting to fiat currency at the time the card is swiped.
Leverage crypto
Dynamically adjust fiat credit card limit based on user’s crypto balance, powered by Deserve.
Traditional payment rails make it difficult to put cryptocurrency to use
Standard rewards structures
High-friction user experience
Time-consuming
Access to additional money movement
Additional banking services such as direct deposit and ATM capability can be added to the card to bring crypto further into mainstream financial services.
With the Coinbase Card powered by Marqeta, customers can choose which cryptocurrency from their Coinbase wallet they would like to use at the time of purchase.
Just-in-Time (JIT) Fundingβ’
Enabling transactions to be made from cryptocurrencies to dollars in real time.
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Webhooks and transaction data
Notifying cardholders in real time when they earn a crypto reward. β¨
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Modern card issuing
Offering physical and virtual cards for Coinbase cardholders.
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Muneeb Imtiaz
Product Manager, Coinbase
How Marqeta enables crypto spending
Crypto app
Customer opens an account
The customer completes an online application process and begins to invest in crypto and other digital currencies.
Transaction approved
Crypto app approves transaction based on customerβs crypto balance. Crypto app sells crypto to fund transaction in fiat currency.
Notification received
Marqeta webhooks allow real-time notifications sent to customer upon transaction completion.
Marqeta platform
Card issued
Marqeta issues a card enabling the cardholder to start spending their crypto earnings immediately.
Gateway JIT call sent
Marqeta sends gateway Just-in-Time (JIT) Funding call for crypto app to authorize transaction.
Funds released
Just-in-Time (JIT) Funding releases fiat funds to the card on approval and in real-time to complete the transaction.
Retailer
Card presented
The store processes the card just as they would any other Visa or Mastercard.
Auth requested
Marqetaβs platform is contacted by the appropriate network for authorization.
Transaction completed
Authorization is successful and the payment is confirmed.
βFold was looking to bring a unique feature set to market: a card that could deliver gamified bitcoin rewards while incentivizing responsible spending and saving habits. We are proud to have a payments partner like Marqeta to help us navigate this.β
Will Reeves
CEO and Co-founder, Fold