Secure stablecoin-backed cards

Power the next generation of stablecoin-enabled payments
Unlock stablecoin balances for everyday spend with a trusted method: cards. Lithic’s direct-to-metal network connections let cardholders issue and use cards instantly with real-time transaction authorization.
Let cardholders spend stablecoin balances without sacrificing oversight. Lithic’s fraud controls, bank-grade reconciliation and regulatory compliance, and real-time reporting keeps you in the driver’s seat.
Ease your customers’ concerns about spending their hard-earned assets. Lithic helps you pair the agility of crypto with the stability of proven card operations, with API-based and fully managed dispute servicing.
Pair the value of stablecoins with the reach of card networks

Bring new programs to market faster with a platform designed for modern payments.
Connect stablecoins or tokenized deposit ledgers directly to Lithic’s APIs for real-time funding and controls
Use pre-configured fraud, compliance, and authorization controls to start transacting safely on day one
Enable instant card issuance so cardholders can immediately access stablecoin balances
Keep your stablecoin programs running smoothly across currencies and time zones.
Process transactions with real-time authorization logic
Get like-for-like settlement reporting to simplify reconciliation with your network and bank partner
Maintain clear visibility into balances, flows, and timing across currencies
Keep compliance, risk, and oversight exactly where you need them.
Validate transactions in real time against underlying assets with Lithic’s Authorization Stream Access (ASA)
Apply velocity, merchant, and spend rules at card or account levels
Access complete reconciliation and reporting through secure webhooks
Leverage programmatic dispute management and automated exception handling through APIs
Reduce intermediaries and minimize points of failure.
Integrate directly with major card networks through a single API for clean connectivity
Launch programs that scale globally with fewer dependencies
Operate on infrastructure already trusted by leading fintechs and stablecoin platforms
Everything you need to build what you want
Modern API infrastructure with industry-leading uptime and reliability
Secure webhook infrastructure with HMAC verification for machine-to-machine communication
Advanced virtual card technology with streamlined onboarding and instant issuance
Integrated network of global physical card printing and fulfillment vendors
Granular spending controls including merchant restrictions, geographic limits, and velocity management
Real-time transaction monitoring and customizable rule engines through Auth Rules and Authorization Stream Access (ASA)
Programmatic dispute and chargeback management and exception handling through automated APIs
From digital balance to real-world spend

Issue cards that let users spend stablecoin balances anywhere cards are accepted, eliminating the need for conversions or exchange withdrawals.

Deliver instant, low-cost access to stablecoin transfers and let recipients spend funds locally through branded cards.

Distribute wages or manage liquidity in stablecoin across jurisdictions while maintaining the same speed, control, and reporting as fiat programs.

Integrate Lithic’s APIs into on-chain or app-native wallets to enable stablecoin payments at scale.
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Frequently asked questions
Lithic’s Authorization Stream Access (ASA) validates each transaction against your external ledger and wallet balance in real time, enabling secure and compliant spending of stablecoin balances through cards.
Lithic doesn’t handle settlement directly, but we support multi-currency processing and provide like-for-like settlement reporting to help you reconcile with your program manager or bank partner. In programs launched with partners like Rain, this combined setup enables 24/7 card transaction processing with stablecoin settlement handled on their side.
Most partners go live within weeks. Lithic’s modular APIs, direct-to-network connections, and pre-configured rules accelerate testing and certification so you can start processing quickly.
Stablecoin transactions on Lithic are governed by the same robust risk and fraud rules used for fiat programs. You define the controls, and Lithic enforces them automatically in real time.
Absolutely. Lithic was built for flexible integration. You can bring your own ledger, handle custody and KYC, and use Lithic purely for the processing, authorization, and network layers.
Lithic powers global card issuer processing infrastructure for partners like Rain, enabling real-time processing, global card printing, and payments that are always fast and secure.



