Card program infrastructure
Build crypto.payroll.cashback.treasury.spend.
We'll run the infrastructure.
One API for stablecoin, USD, EUR and local currencies. Fintechs, neobanks and wallets launch their own card program without carrying the issuer, license or compliance weight.
Product
A card program, shaped around your model.
Design the program to fit your brand, your users and your market. Manufacturing, distribution and digital wallet integration included.
01
Virtual cards
Issue in seconds. Online spend, subscriptions, international payments — active the moment the user is approved.
02
Physical cards
End-to-end from print to doorstep, in your brand's design. Premium metal tier available on request.
03
Apple Pay & Google Pay
Tap-to-pay, tokenization and mobile wallet provisioning on day one. Users don't have to wait for plastic.
04
Corporate cards
Team cards, spend limits and approval flows — all configurable through the API. One dashboard for every account.
Why txbfi
What the bank can't do.
Six things that separate an infrastructure partner from a vendor. Built for teams who care about how the rails work underneath.
Multi-asset balance
Offer stablecoin, USD, EUR and local currencies on the same card. txbfi handles conversion; you focus on the user experience.
Programmable money layer
Behind the card isn't just a balance — it's an engine. Conditional spend, auto conversion, treasury logic, all via API.
Multi-region by design
Issue across regions from one API. Local KYC, fiat rails and compliance frameworks are ready when you enter a new market.
Invisible infra, visible brand
No txbfi logo on your card. No txbfi name in the push. Users only see you. White-label at the level that matters.
Developer-first API
Issue, freeze, set limits, trigger KYC, stream transactions — one SDK, TypeScript, Python, Go. Sandbox in minutes.
Fast to go-live
Traditional programs take 12–18 months. With txbfi: pilot in 4–6 weeks, production in 8–12. License and issuer relationships on us.
For developers
One API.
The whole program.
From issuance to KYC triggers, from freezes to programmable rules — everything you need sits inside one integration.
1const express = require("express");
2const Txbfi = require("@txbfi/sdk");
3
4const txbfi = new Txbfi(process.env.TXBFI_SECRET);
5const app = express();
6
7app.post("/cards", async (req, res) => {
8 const card = await txbfi.cards.create({
9 holder: req.body.userId,
10 type: "virtual",
11 currency: "USDC",
12 network: "visa"
13 });
14
15 res.json({ id: card.id, last4: card.last4 });
16});How it works
From pilot to global, four steps.
No spec-driven overhaul. Drop in the SDK, ship your brand, enter new markets, collect the upside.
Integrate
Live in weeks.
Install the SDK, test in sandbox, ship the pilot. Drops onto your existing auth, user and wallet stack.
Customize
Your brand, front and centre.
Card art, wallet UX, push, email — all yours. txbfi is the motor, never the marquee.
Scale
Region by region.
Start in one market, expand through the same API. Local compliance and rails, handled.
Monetize
Every swipe is a line item.
Deposit fees, FX margins, premium tiers, enterprise subscriptions. Revenue share is transparent, live in the dashboard.
Who it's for
One infrastructure, every card program.
Five distinct programs, one integration. Build the card your category has been missing.
Crypto wallets
Turn wallet balances into everyday spend. No off-ramp detour, no selling, no waiting.
Neobanks & fintechs
Add a card product to onboarding in an afternoon. Licenses, printing, compliance — all in the box.
Corporate spend
Team cards, department budgets, category limits. ERP and accounting integrations over API.
Payroll & global workforce
Pay global teams in local currency instantly. Users spend on card; you manage from one dashboard.
Remittance & transfer
Move via stablecoin corridors, spend on card at destination. No wires, no waiting, low cost.
Questions
Answers first.
Sales later.
Can't find what you're looking for? Drop a line and we'll get back within a business day.
We're an infrastructure layer that lets brands launch their own card program. Card issuance, KYC, licenses, compliance, multi-asset balance management and programmable rules — one API.
Across multiple regions for both virtual and physical programs. Visa and Mastercard network coverage reaches 150M+ merchants. Reach out for the specific market list.
Not on the card side. txbfi operates as the compliance layer: relevant EMI/VASP licenses, KYC, KYB and AML monitoring are included. If you're running custodial wallets of your own, that may need its own license — happy to walk through.
The moment a user taps, txbfi converts at the best available rate, fiat settles to the merchant, and the stablecoin balance is debited on the user side. Spreads are transparent.
Sandbox: a few days. Pilot: 4–6 weeks. Production: 8–12 weeks. A traditional card program takes 12–18 months — the gap is meaningful.
Stellar, Solana and SUI natively. We support BTC, SOL, SUI, XRP, XLM, USDT and USDC. Reach out about adding a new chain.
Two lines: a setup fee for integration and go-live, and a transaction-based revenue share. Spread narrows with volume. Detailed pricing comes in the sales conversation.
Let's talk about your
card program.
Walk us through your use case and we'll map what the infrastructure looks like underneath. 30 minutes, no slides.
Book a call →