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How It Works

How does Kripicard work?

Kripicard works in four steps: you deposit USDT on-chain, a regulated partner converts it to fiat, the issuing bank holds that balance, and you spend it through the Visa network. You stay in control of your own wallet — you only move crypto when you choose to top up.

4 steps
Top-up to spend
3 chains
SOL · TRC-20 · ERC-20
Visa
Settlement rails
Real-time
Balance updates
End-to-end flow

From USDT to checkout

Understanding the flow is the best way to evaluate any crypto card. Here is exactly how Kripicard moves value from your wallet to a merchant.

01
1

You deposit USDT

Send USDT to your unique deposit address on Solana, TRC-20, or ERC-20. The rest of your crypto stays in your own wallet.

02
2

A custodian converts it

A licensed crypto-to-fiat partner converts the USDT to fiat off Kripicard's books.

03
3

The bank holds the balance

Your fiat balance is held by the regulated issuing bank — not on Kripicard's balance sheet.

04
4

You spend via Visa

Tap or enter your card and the transaction flows through Visa rails to the merchant in real time.

Under the hood

The parts that make it work

On-chain top-up

You control when and how much USDT you send. Deposits are credited after on-chain confirmation.

Regulated issuance

Licensed banks issue the cards and hold fiat under their own regulatory frameworks.

PCI-DSS processing

Card numbers and CVVs are handled inside PCI-DSS Level 1 environments — never on Kripicard servers.

Visa settlement

Authorizations and settlement run over Visa, so acceptance matches any mainstream card.

What you control

You stay in the driver's seat

Kripicard is designed so the parts that matter most stay in your hands:

  • Your private keys and on-chain wallet — never shared with Kripicard
  • When and how much USDT to top up
  • Freezing or unfreezing your virtual card instantly
  • Adding the card to Apple Pay or Google Pay
  • Tracking every transaction in your dashboard
  • Spending only the balance you've funded — no credit, no debt
Common questions

How Kripicard works — FAQ

How long does a top-up take?+
Deposits are credited after the USDT transaction confirms on-chain, which is typically a few minutes depending on the network you choose.
Which networks can I use to deposit USDT?+
Kripicard supports USDT on Solana, TRON (TRC-20), and Ethereum (ERC-20). Choose the network with the lowest fees for your wallet.
Does Kripicard convert my crypto automatically?+
Yes. When you top up, a licensed partner converts your USDT to a spendable fiat balance held by the issuing bank.
Can I withdraw my balance back to crypto?+
Kripicard is designed for spending. Review the current terms in your dashboard for the latest options on balance management.

See it work for yourself

Fund a card with USDT and make your first Visa payment in minutes.

Get your KripicardSee pricing
Regulated partners
PCI-DSS processing
Non-custodial wallet

Related resources

What is Kripicard?The 60-second overviewVirtual Card GuideSet up and use your cardHow We Handle FundsCustody & transparencySecurity OverviewHow your money is protected

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© 2026 Kripicard. All rights reserved. Kripicard is a financial technology company. Virtual cards are issued by licensed partners in their respective jurisdictions. Availability of products may vary by region and are subject to local laws and regulations.