Authorization lifecycle
A hold is not a completed payment.
See what is reserved, what remains available, and when the merchant actually clears.
Available$18,412
Pending holds$412
GHGrand Hotel, LisbonAuthorized · amount held-$412
Invite only · Mastercard
Hold dollars.Tap anywhere.
Fund it from the wallet you already use, then spend anywhere Mastercard is taken. No bank, no wire, no clearing window, and nothing about your on-chain history follows you to the checkout.
Networks
1
Assets
2
Card
Mastercard
Available$18,412Ready to spend
Card authorized$412
Taken here
MastercardUSDTUSDCETH1 networksNo monthly feeInstant virtual cardInvite onlyMastercardUSDTUSDCETH1 networksNo monthly feeInstant virtual cardInvite onlyMastercardUSDTUSDCETH1 networksNo monthly feeInstant virtual cardInvite only
02 · The flow
Deposit
Send USDT, USDC or ETH from the wallet you already have. No bank account, no wire, no clearing window, no business days.
Deposit route
LiveCard balance$12,840Dollars, ready to spend
SolanaUSDT · USDC
Top-up received+$5,000
Awaiting payment
Credited
Credited to card
02 · The flow
Spend
The card is a Mastercard, so acceptance is not our problem to solve. If the terminal takes Mastercard, it takes this. Online, in shops, on subscriptions, abroad.
Live activity
UpdatingAvailable$18,412
Pending$412
Transit Metro-$3.40Cleared
Corner Market-$28.16Cleared
Studio Coffee-$6.50Cleared
Top-up, USDT on Base+$250.00Cleared
MastercardAccepted here
03 · The card
Virtual card issued in minutes
03 · The card
Accepted where Mastercard is
03 · The card
Approved
04 · The app
Your balance, live.
No end-of-day batch, no settlement window. The number on screen is the number the card can spend, the instant it changes.
04 · The app
A card, not a crypto product.
A number, an expiry and a CVC, the same three things every other card gives you. Nothing at the checkout has to change, and nobody has to be told anything.
04 · The app
Every charge, in order.
Holds, charges and refunds appear the moment they happen. Nothing waits for a monthly statement, and nothing is reconciled overnight.
05 · Manifesto
Nobody at the till needs to know.
Themerchantseesacard.Notawallet,notabalance,notyou.
Networks1Solana
Assets2USDT and USDC
01AcceptedWherever Mastercard is
02PrivateThe chain stays behind you
03ImmediateNo clearing window
NOBODY AT THE TILL NEEDS TO KNOW · NOBODY AT THE TILL NEEDS TO KNOW · NOBODY AT THE TILL NEEDS TO KNOW · NOBODY AT THE TILL NEEDS TO KNOW ·
06 · The product
One balance.
Every state visible.
A card account built around the moments most banking apps hide: the deposit that is still confirming, and the hold that has been placed but not yet taken.
Available to spend$18,412.6Pending $412
+Fund
↗Withdraw
⌁Details
Incoming top-upUSDT · Base
Confirming2 / 4 confirmations+$5,000
Assets2
Networks1
Card loadAutomatic
Product details
The states other cards
leave unexplained.
Every screen is designed around the actual event underneath it, not a generic spinner.
Network-aware funding
Three assets, five networks, one balance.
Send USDT, USDC or ETH from the wallet you already use. It lands as dollars.
Card load interrupted?Funds stay in your balance.Retry the load without repeating the deposit.
What the merchant receives
A card number. That is the whole handover.
No address, no balance, no history. The till cannot tell this apart from any other card.
Card numberShared
Wallet addressNever sent
On-chain historyNever sent
Your documentsHeld by the issuer, not by us
Topping up
What you send, and what lands.
You send$250
Network and bridgeQuoted before you send
Lands asUSD, spendable
Added on top by usNothing
07 · Rewards
Paid in dollars,
not in our own token.
You earn points as you spend and turn them into balance whenever you want. That is the whole mechanism. It is worth saying plainly because almost nobody else in this category does it that way.
Most crypto cardsVaals
What you are paid inA token issuer can reprice overnight. A dollar cannot be quietly repriced.Their own tokenDollars
What it costs to qualifyNo stake to lock, no plan to buy. Spending is the only requirement.Stake or subscribeNothing
Cap on what you earnThe rate you read is the rate that applies, to every dollar.Monthly ceilingsNone
When it is yoursPoints land as you spend, and convert to balance when you ask.Up to 45 daysImmediate
Rewards are funded by us, not by a token we print, so the honest limit is that the rate can change. If it ever does, it changes here first and in writing.
08 · Custody
Who holds what.
Three parties touch this product and each one holds something different. Most cards scatter that across three legal documents. One diagram instead.
Layer 01
Your balance
What you send is bridged and credited to your balance in dollars, and that balance sits with the card issuer. It is never on our balance sheet and we cannot move it.
Layer 02
The card rails
Issuance, authorisation, settlement and the identity check all run through the issuer of record under their licence. Your documents go to them and stay with them.
Layer 03
The interface
We build the app, the controls and this page. We are not a bank, we do not hold your money, and we do not keep a copy of your ID.
Built by Vaals
09 · Questions
The short answers.
Anywhere Mastercard is, which is not a claim we have to make ourselves. It is an ordinary card number to the merchant, so online checkouts, shop terminals, subscriptions and bookings abroad all work the way they already do. Nobody at the till has to know how it is funded, and no merchant has to install anything.
A card number, and nothing else. Not your wallet address, not your balance, not what else you own or where it came from. The chain and the checkout never meet.
Yes, once, and it is the card issuer who runs it rather than us. ID plus a selfie, usually cleared in minutes. They hold that record; we never store your documents and never see them.
USDT or USDC, on Solana. Both are dollar-pegged, so what you send is what lands. Solana only, deliberately: one network is one place for us to watch a deposit arrive and reconcile it, and it settles in seconds for a few cents. We do not take wBTC, ETH or any other asset. Your deposit address is permanent, so you can save it once and top up whenever you like.
It credits once the network confirms and the bridge settles. There is no clearing window, no cut-off time and no working days involved, which is the part a bank transfer cannot match.
There is a one-off charge for the card and no monthly account fee after it. You see the exact amount, and anything the network charges to move your money, before you agree to any of it. Nothing is taken that you have not seen first.
No. There is one card, and it is the same card for everybody. If that changes we will say so here rather than quietly adding a membership page.
No. Vaals is a technology company, not a bank. Card issuance, settlement and identity all run through a licensed issuer of record, and your balance sits with them rather than with us. The custody section names who holds what.
Nothing happens. There is no monthly account fee, no dormancy charge and no minimum balance to keep. The money stays yours and you can withdraw it on-chain.
Because we would rather not build a product on a structure that does not survive contact with a regulator. If that changes, we will publish exactly how it works before we launch it.
10 · Get started
Accepted.Private.Immediate.
Hold dollars.
Tap anywhere.
An invite, a few details and one top-up. Nothing to choose, nothing to compare, no plan to pick. It is the shortest version of getting a card that we could build.
Get the card