Thespendlayer
CRYPTOCARD
POWERED BY LICENSED BIN-SPONSOR PROGRAM
Hold stablecoins. Spend anywhere Visa is accepted. Balances convert just-in-time at authorization — no pre-conversion, no guesswork.
HOW IT WORKS
Stablecoin in. Spend out.
Four steps from wallet balance to a tap at the till. Conversion happens at the moment of purchase, so you always spend at live rates.
Fund in stablecoin
Top up your SmashX card with USDC or USDE right from your SmashPay wallet.
Convert at authorization
No pre-conversion needed. We convert your stablecoin into fiat only at the exact moment you swipe.
Tap, pay, or pay online
Use your virtual or physical card at any of the 130M+ merchants globally that accept Visa.
Earn rewards in-wallet
Eligible tiers earn cash back directly into their SmashPay wallet on every transaction.
HOW YOU GET
Built to spend. Built to comply.
Four steps from wallet balance to a tap at the till. Conversion happens at the moment of purchase, so you always spend at live rates.
Stablecoin-Funded Spend
Balances convert just-in-time at authorization — spend anywhere cards are accepted, online and in-store.
Tap + pay and earn rewards
Tap to pay with NFC. And grow your available balance directly in-wallet on eligible spend.
Virtual + Physical
Instant virtual issuance, physical cards, and NFC (mobile wallet) provisioning out of the box.
Compliance Built-in
KYC / KYB by Sumsub. AML / BSA program. FinCEN MSB registration. ALL/GL coverage.
Limited allocation
Founders 500 (300 claimed / 500 total)
The first 500 SmashX cards, individually numbered. Released across our two launch moments. Once they're claimed, the program closes.
Join the whitelist
Reserve your place for a Founders 500 card. Whitelisting holds your spot — card issuance is subject to KYC approval.