Private preview
Stablecoin-backed cards for Stripe Stablecoin Financial Accounts Private preview
Learn how to issue virtual or physical prepaid or debit cards for connected accounts, backed by Stablecoin Financial Accounts.
You can enable spending backed by stablecoins on your Connect platform to:
- Create custodial wallets for connected accounts.
- Issue virtual or physical prepaid or debit cards, backed by stablecoin balances.
- Enable direct transfers to external crypto wallets or local off-ramps to bank accounts.
Private preview
Stablecoin-backed Issuing cards are currently in private preview. To get access, contact Stripe sales.
Availability
Stablecoin-backed wallets are currently in private preview. Make sure you’re eligible for the preview before getting started:
- You must set up your Stripe account and configure it as a Connect platform .
- Your Connect platform must be based in the United States or Europe.
- Connected accounts must be based in a market approved during platform onboarding. During private preview, connected accounts can be based in 30+ countries across Latin America, Africa and the Caribbean. Contact your account representative for specifics on country coverage.
Funding lifecycle
This guide covers the following funding lifecycle:
- You first fund your platform account by transferring money from your US bank account to your Stripe Financial Account using the Financial Addresses v2 API .
- Then you transfer funds from your platform’s financial account to a connected account’s financial account and convert the funds from USD to the related setting using the Outbound Payments v2 API .
- The final step is to enable connected account spending using any of these methods:
- Prepaid debit cards in USD-using Issuing Cardholders API and Issuing Cards API
- Crypto wallet transfers in the related setting – using Outbound Setup Intents v2 API and Outbound Transfers v2 API
- Payouts to local bank accounts in USD, MXN or EUR-using Outbound Setup Intents v2 API and Outbound Transfers v2 API
Fund your platform financial account
You disperse funds from your platform’s financial account to fund card spending by connected accounts.
Retrieve your financial account ID
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Create a financial address
Use the Financial Addresses v2 API to create a new financial address.
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Retrieve funding credentials
Retrieve the account and routing numbers for wire or ACH transfers. Use the include parameter to receive the full account number.
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You can monitor incoming funds using the Transactions v2 API and check your financial account balance using the Financial Accounts v2 API.
Onboard connected accounts
Create a connected account
Create a v2 Account with storer and card creator capabilities. Learn more about Account capabilities.
| Capability | Description |
|---|---|
storer.capabilities.holds_currencies.usdc | Enables stablecoin storage features |
storer.capabilities.outbound_transfers.crypto_wallets | Allows transfers to external wallets |
card_creator.capabilities.commercial.lead.prepaid_card | Enables issuing of prepaid cards |
The following example creates a connected account for an individual in Mexico. Replace the country value with the two-letter country code for your connected account’s market.
Command Line
cURL
Complete KYC and KYB
Review and fulfil the requirements for the connected account.
After you fulfil the requirements, Stripe and Bridge might take up to 1 business day to verify the information. After verification is complete, the configuration becomes active. Monitor the account’s progress with webhooks or by retrieving the configuration status with the Retrieve an Account v2 API.
Command Line
cURL
The response includes a configuration field with the status for each of the configurations. The account is ready to proceed when storer.holds_currencies.usdc.status, storer.outbound_transfer.crypto_wallet.status, and card_creator.commercial.lead.prepaid_card.status are active.
Create a financial account
After capabilities are active, create a financial account for the connected account to hold the related setting. This financial account can transfer funds to an external wallet or fund the card spend of an Issuing card.
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Fund connected account wallets
Send funds from your platform financial account to connected account financial accounts, converting USD to the related setting in the process.
Create an outbound payment
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Verify the balance
Check your updated balance after creating your outbound payment.
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Enable crypto wallet transfers
Allow connected accounts to transfer the related setting to external crypto wallets they own.
Create a crypto wallet payout method
For first-time transfers, create a payout method for the external wallet.
Supported networks include:
- Arbitrum
- Avalanche C-Chain
- Base
- Ethereum
- Optimism
- Polygon
- Solana
- Stellar
- Tempo
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Create an outbound transfer
Transfer the related setting from the financial account to the crypto wallet.
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Issue cards
Issue virtual and physical prepaid debit cards funded with a USD backed stablecoin balance. This section uses v1 Stripe Issuing APIs, which are fully interoperable with the v2 APIs used elsewhere in this guide.
Card configuration
| Configuration | Value |
|---|---|
| Card Product | Business Prepaid Debit |
| BIN Type | Shared BIN |
| Sponsor Bank | Lead Bank |
| Network | the related setting |
| Card Currency | USD |
| Funding Model | Pre-funded, Stablecoin-backed |
| Wallet Type | Custodial |
| Funding Currency | the related setting |
| Funding Chain | Base |
| Card Types | Virtual, Physical, Digital Wallets |
Enable the account to use Issuing
Add the account to Issuing, which enables you to create a Cardholder and Card.
We provide the platform program value after we onboard your platform.
Command Line
cURL
Create a cardholder
Create a Cardholder object representing the individual or business entity.
Requirements for individual cardholders:
- First and last name (required for sanctions screening).
- Date of birth (reduces false positives for watchlist matches).
- Valid phone number or email (required for digital wallets).
- Authorised user terms acceptance.
Command Line
cURL
Create a card
When creating virtual and physical cards, use the financial_account_v2 parameter to specify which Connected Account’s financial account to withdrawn funds from. Standard physical card designs are available immediately, while custom card designs have an approximately 8 week lead time after you finalise the designs.
Note
This preview requires express or priority shipping as cards ship from the US.
Command Line
cURL
Both physical and virtual card PINs are set to a random value at creation. Manage and view PINs using the Stripe API and Issuing Elements.
Spending controls
You can configure stablecoin-backed card spend with Spending controls.
Keep in mind the following:
- Spending controls are specified in USD
- We removed the Stripe default 500 USD per-day limit for this integration.
- An unconfigurable 10,000 USD per authorisation limit applies.
- When spending limits overlap, the most restrictive control applies.
Digital wallets
Enable cardholders to add cards to Apple Pay and Google Pay through manual provisioning or push provisioning.
Manual provisioning requirements: For manual provisioning, follow the manual provisioning steps.
Push provisioning requirements:
- Complete manual provisioning steps for the US market.
- Integrate with the Stripe mobile SDKs.
- Obtain Apple Pay entitlement from Apple (for Apple Pay).
Learn more about digital wallet integration.
Monitor money movement
For stablecoin-backed Issuing, the Transactions v2 API contains all of the information about money movement, across card spend and transfers.
Retrieve transaction details
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You can find card spending in the Received Debit v2 API.
Retrieve received debit details
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Testing
Test your integration in a sandbox environment using your US platform account. Contact Stripe sales to configure your sandbox with stablecoin-backed Issuing.
Keep in mind the following:
- Sandboxes support both v1 and v2 API testing.
- Legacy test mode doesn’t support V2 APIs.
Refer to the Issuing testing guide to simulate purchases, refunds and disputes.