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rigid.fi
The first stablecoin-native issuer-processor

Card programmes that run
on stablecoins. End to end.

Fund a card programme from USDC, USDT or EURC. Authorize every tap against a live wallet or protocol balance. Settle Visa and Mastercard in stablecoins, seven days a week. One issuer-processor, one ledger, both rails: built for crypto card programmes, crypto fintechs and protocols launching a neobank.

Launch a stablecoin card programmeHow settlement works
Stablecoin settlement
24/7
Stablecoin settlement
Wallet-funded authorization
61ms
Wallet-funded authorization
Spend currencies, one conversion
150+
Spend currencies, one conversion
rigid · treasury · programme_eursettling 24/7

Programme float

1,204,816 USDC

covers 6.2 days of authorizations · auto top-up at 20%

Settles inUSDC · EURCfiat fallback · EUR
deposit · USDC · Baseconfirmed · 2 blocks+250,000.00
auth · Tokyo 🇯🇵 · ¥12,400fx at auth · 61ms≈ 78.95 USDC
auth · Berlin 🇩🇪 · €38.20fx at auth · 49ms≈ 41.32 USDC
settlement · Visa · EUR netSunday 06:00 · on-chain−52,141.38 USDC
EthereumSolanaBasePolygonAvalancheStellarArbitrumTron
USDCUSDTEURCPYUSDUSDGRLUSDEthereumSolanaBasePolygonAvalancheArbitrumStellarTron
WHY STABLECOIN-NATIVE

A crypto card built on fiat plumbing pays for the plumbing twice.

Most crypto card programmes are a custodian, an off-ramp, a programme manager, a processor and a sponsor stacked on top of each other. Every layer adds float, a spread and a reconciliation break. Rigid collapses the middle.

The usual stack

Prefund fiat at T+1 against projected volume; idle capital all weekend.

On Rigid

Settle the scheme position in USDC or EURC as it arises, weekends and holidays included, with float measured in hours.

The usual stack

Two FX spreads: stablecoin to USD at the ramp, USD to local at the sponsor.

On Rigid

One conversion at authorization, at the rate you set, posted as its own ledger entry.

The usual stack

On-chain debits at authorization, scheme clearing days later, refunds in fiat: three books that never agree.

On Rigid

Every on-chain movement and every scheme message post to one double-entry ledger, so clearing, refunds and chargebacks reconcile to the wallet.

The usual stack

Custodian, ramp, sponsor and scheme accounts run by a treasury team with a spreadsheet.

On Rigid

Programmable treasury: auto top-up from a protocol or wallet balance, thresholds you configure, alerts you choose.

HOW IT WORKS

Deposit on-chain. Spend anywhere. Settle in stablecoin.

Point a programme at a wallet, a contract or a custodian account. From there the card rails behave like card rails, and the treasury behaves like software.

  1. 01FundUSDC lands in the programme's watched address. The float updates the moment the chain confirms.
  2. 02AuthorizeA tap in Tokyo is approved against the live balance in 61ms, with FX applied once, at your rate, and Fraud AI scoring in-line.
  3. 03PostCardholder, merchant payable, FX and fees post as double entries next to the on-chain deposit, in one ledger.
  4. 04SettleThe scheme's net position is met in USDC or EURC as it arises, weekends included, through your sponsor. Fiat fallback per programme.
programme funding · RESTJSON
POST /v1/programmes/prog_eur/funding
{
  "source": {
    "type": "wallet",
    "chain": "base",
    "asset": "USDC",
    "address": "0x8f3a…c21e"
  },
  "authorization_funding": "just_in_time",
  "settlement": {
    "assets": ["USDC", "EURC"],
    "fallback": "EUR",
    "schedule": "continuous"
  },
  "fx": { "rate_source": "programme", "spread_bps": 35 }
}
// 200 OK · float watched · settlement continuous
WHAT YOU GET

Everything a crypto card programme needs, and nothing bolted on.

FUNDING

Just-in-time funding at authorization

Approve every transaction against a live wallet, exchange omnibus or protocol balance. No prefunded float per cardholder, no ramp in the critical path.

SETTLEMENT

Stablecoin settlement, seven days a week

Meet Visa and Mastercard net positions in USDC, USDT or EURC through participating sponsors, with fiat fallback per programme. Weekend settlement is the default, not an exception.

LEDGER

On-chain and card, one set of books

Deposits, authorizations, FX, clearing, refunds and settlement are entries in the same double-entry ledger, queryable to the cent and to the transaction hash.

FX

150+ currencies, one spread

Cross-currency authorizations convert once, at decision time, at the rate you configure. Stablecoin in, local currency out, no second hop.

CUSTODY

Bring your custodian

MPC wallets, smart-contract treasuries, exchange omnibus accounts or a qualified custodian. Rigid watches balances and settles; it never holds your keys.

COMPLIANCE

KYC, KYB, PEP and wallet screening

Sanctions and PEP screening on every cardholder, KYB for business programmes, wallet screening on every deposit, and Travel Rule data exchanged through your provider of choice.

THE MARKET MOVED FIRST

$18B

annualised crypto card spend, growing 106% a year

Artemis, Jan 2026

$7B

Visa stablecoin settlement run rate, up 50% quarter on quarter

Visa, Apr 2026

130+

stablecoin-linked card programmes in 50+ countries

Visa, Apr 2026

$7.2T

settled in stablecoins in one month, more than US ACH

Forbes, Apr 2026

WHO BUILDS ON IT

Who Stablecoin-native is for, and what they get.

The same platform, used differently by different teams. Each card names the segment, the outcome, and the products that carry it.

Crypto card programmes & protocols

Fund in stablecoins, spend anywhere, settle on-chain

Just-in-time funding from a wallet or protocol balance, one FX conversion at authorization, on-chain and card in one ledger, and USDC or EURC settlement seven days a week.

FAQ

Stablecoin cards, answered

What does stablecoin settlement mean for a card programme?

Instead of wiring fiat to prefund the scheme settlement account, the programme's net Visa or Mastercard position is met in a regulated stablecoin such as USDC, through a participating sponsor. Settlement can happen on weekends and holidays, prefunding and collateral shrink because the funding cycle is continuous, and treasury becomes programmable.

Which stablecoins and chains does Rigid support?

Programmes can be funded in USDC, USDT and EURC, with PYUSD, USDG and RLUSD available where the scheme and sponsor accept them. Deposits are watched on Ethereum, Solana, Base, Polygon, Avalanche, Arbitrum, Stellar and Tron.

Does Rigid hold our customers' crypto?

No. Rigid is the issuer-processor: it authorizes, keeps the ledger, screens and settles. Funds stay with your custodian, MPC wallet, smart contract or exchange. Rigid reads balances and instructs settlement from accounts you control.

Can we launch without our own licence?

Yes. Most crypto card programmes launch under a BIN sponsor. Rigid works with sponsors that support stablecoin settlement, and our card issuing advisory practice helps you secure sponsorship, or principal membership when your volume justifies it.

How is FX handled for a stablecoin-funded card?

One conversion, at authorization, at the rate you configure per programme. The FX leg is posted as its own ledger entry, so finance sees exactly what was applied to every transaction.

Put your stablecoin on a card.

Bring your chain, your custodian and your target markets. We map the programme, the sponsor and the settlement design in one call.

Book a demoNeed a BIN sponsor?

USDC · USDT · EURC · settlement seven days a week