ZenBankingStablecoin spend
Pin a stablecoin balance and the card draws from it 1:1. Predictable, no conversion at the till.
ZenBanking Card
Spend your crypto. Settle in fiat. No off-ramp dance.
Visa
merchant network
The ZenBanking Visa card lets you spend balance directly. Verify your identity once, choose what funds the spend, and check out anywhere Visa is accepted.
ZenBanking Card · sampleVisa
Last 24h · sample
Blue Bottle CoffeeUSDC−$5.40
Air India · ATQ→DELUSDC−$112.20
Duolingo PlusETH → USD−$13.99
How it works
Your account on the back. Visa rails on the front.
- 01Authorize at the till. The merchant requests authorization through Visa. ZenBanking quotes the spend in fiat at that moment.
- 02Account is debited. Your ZenBanking account is debited for the spend. If you have multi-asset funding configured, we draw from your priority list.
- 03Settle to the merchant. We convert just enough of your asset to clear the spend, route fiat to the merchant, and post the receipt.
- 04Receipt + dispute path. You get a chain explorer link for the on-chain leg and a fiat receipt for the merchant leg, so you can audit either side.
Funding
Pick the asset that funds your card.
Volatile asset spend
Spend a volatile asset; we lock the conversion at the merchant's authorization, so the rate doesn't drift on you between auth and settlement.
Auto-route from your balance
Set a priority order for the assets that fund your card. The card draws from the highest-priority asset that has cleared funds.
Activation
One identity check, then you're in.
Selfie + ID
Card networks require a verified identity. ZenBanking uses a quick live selfie check; the rest of the form is name + address.
Verification status visible
If the check stalls or fails, the card screen tells you why and offers a clean retry — no opaque waiting state.
Card available right after
Once verified, your card is provisioned to the account. Add funds, set a default funding asset, and you're ready to spend.
Card · KYC required