12. PWC Crypto Card

Hybrid Spending Power for the Digital-First Consumer

PayWithCrypto extends usability beyond wallets and POS with a robust crypto card program—featuring both instant-issue virtual cards and globally shipped physical cards. These cards give users the power to spend their crypto holdings instantly, anywhere cards are accepted, both online and offline.

With user habits evolving rapidly, fintech adoption trends show high engagement for hybrid card experiences—and PayWithCrypto is positioned at the forefront of that evolution.

12.1 Card Types and Features

Card Type	Description
Virtual Card	Instantly issued upon wallet setup. Start spending crypto online within minutes.
Physical Card	Delivered globally, enabling in-store and ATM transactions at millions of supported outlets.
Global Acceptance	Usable wherever Visa/Mastercard is accepted—online, in-store, and cross-border.
Linked to Wallet	Tied directly to the user’s non-custodial wallet or merchant custodial wallet.
Real-Time Conversion	Assets are converted to fiat only at the point of transaction, reducing exposure to volatility.
Usage Tracking	Full transaction history, card controls, and expense analytics in-app.

12.2 Key Advantages

12.2.1 Instant Access

• Virtual cards are activated and usable right after signup.

• No waiting for traditional verification or bank approval processes.

12.2.2 Worldwide Utility

• Physical cards are shipped internationally, empowering users to spend their crypto across borders.

• Merchants receive fiat while users retain crypto-native access.

12.2.3 Secure and Private

• Tokenized transactions, 3D Secure, and dynamic CVV capabilities ensure anti-fraud protection.

• Users retain custody of their funds until transaction execution.

12.2.4 Flexible Treasury Management

• Cards can be preloaded with stablecoins or crypto.

• Real-time conversion aligns with fiat-denominated spending needs.

12.3 Technical and Compliance Notes

• Card Issuance Partners: Regulated institutions with global card scheme memberships.

• KYC/AML: Compliant onboarding for both virtual and physical issuance.

• Fee Structure: Transparent FX rates and lower card usage fees compared to legacy providers.

• Spending Limits: Adjustable tiers based on user verification level.

12.4 For the Crypto-Native, Borderless Generation

PWC Crypto Cards bridge the final gap between crypto ownership and daily utility—turning your wallet into a real-world financial passport that supports:

• Online Subscriptions

• E-Commerce Purchases

• In-Store Transactions

• ATM Withdrawals

• Travel and Cross-Border Spending

Whether you're paying online or swiping abroad, PWC ensures instant, borderless crypto utility without friction.