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Cards enable consumers and businesses to spend stablecoins directly from a Privy account at any merchant that accepts Visa. Your app issues virtual or physical debit cards backed by a Privy wallet, so users spend their onchain balance without manually offramping first. Cards Card issuing is powered by Bridge and Stripe Issuing. Bridge manages customer identity, KYC, onchain fund movement, and statements. Stripe Issuing creates the card and handles authorization, spend controls, and webhooks.

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How it works

Lead Bank issues the card, and Bridge is the program manager that moves funds onchain. Stripe provides Issuing, identity verification, and managed support, while Privy provides the embedded wallet, all in one integration. Cards spend just-in-time from the account’s stablecoin balance; funds are never preloaded onto the card. Each purchase pulls stablecoins from the account onchain at the moment of authorization. Wallet owners must submit an onchain approval so Bridge’s smart contract can pull funds at authorization time.
Prebuilt components work for any authenticated Privy user, including users authenticated with custom JWT authentication.

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Spend from vault balances

Approved card programs can spend from Earn vault balances. Bridge redeems vault shares just-in-time to fund card purchases. Follow Spend from vault balances for program prerequisites, share approval, and balance display.

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Choose your integration

Privy supports two paths for launching a card program. Prebuilt components offer a managed path designed for faster time to market, while direct API integrations give your team more control over the customer experience, operations, and program economics. The right approach depends on how much of the program your team wants to own today and as you scale.
Not sure which path to choose? Prebuilt components are designed for teams that want to get to market quickly without building the operational stack themselves. If owning your customer experience, support model, program economics, or other aspects of the card program is important from day one, a direct API integration may be a better fit. Teams can also start with prebuilt components and bring more of the experience in-house as they grow.

Prebuilt components

Embed bank-approved card UI with the React or React Native SDK.

API integration

Issue cards server-side with Stripe Issuing and Bridge.

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Get started

Prebuilt components are self-serve. Integrate them with the React or React Native SDK and test in sandbox, then contact [email protected] for production access. Server-side API integrations begin with a guided Privy and Bridge onboarding. Reach out to [email protected] to get started.