Launch Your Card Program

Luxmetallic structures and manages end-to-end card program solutions for fintech, digital asset, Web3, and enterprise platforms through selected licensed issuing and infrastructure partners.

Depending on the program and jurisdiction, solutions may include virtual, physical, and premium metal cards, API-first integration, sandbox testing, white-label deployment, and end-to-end commercial program management – without requiring the client to build its own card issuing infrastructure.

Card issuance, processing, BIN sponsorship, safeguarding, and other regulated activities are performed exclusively by the relevant licensed partners.

Card-as-a-Service allows a business to launch a card program using the infrastructure of licensed issuing and technology providers instead of becoming a licensed card issuer itself.

Luxmetallic acts as the central program management and commercial orchestration layer. Through its network of issuing, processing, and infrastructure providers, Luxmetallic leads program architecture, provider selection, commercial structuring, technical coordination, card production, customization, and go-live execution.

Each program is configured according to the client’s business model, target markets, technical requirements, and the capabilities and regulatory permissions of the selected providers.

Web3 card infrastructure generally refers to the technology connecting blockchain applications, digital wallets, tokens, and other on-chain ecosystems with a card program.

Digital asset card infrastructure focuses more specifically on enabling eligible digital asset balances to be converted or settled for card spending.

These areas often overlap. Luxmetallic works with selected infrastructure and issuing partners to structure suitable solutions for wallet providers, digital asset platforms, token-based applications, and other Web3 businesses.

Blockchain payment infrastructure connects eligible blockchain-based assets or wallets with regulated payment systems and traditional card payment networks.

Depending on the selected program, it may allow eligible digital assets to be converted into an accepted settlement currency before funds become available for card transactions.

This enables users to make purchases through traditional card payment networks while the required conversion, settlement, and regulated processes are performed by the relevant licensed providers.

A Digital Asset-to-Card API can connect a platform’s eligible wallet or digital asset infrastructure with a card program.

Depending on the selected provider and program configuration, the integration may include functions such as balance management, conversion instructions, card funding, transaction information, and card controls.

The exact transaction flow, eligible assets, settlement currencies, and API functionality depend on the selected infrastructure and issuing partners. Regulated activities, including card issuance and any applicable conversion or safeguarding, are performed by appropriately licensed providers.

Depending on the selected infrastructure provider, a Digital Asset Payment API may provide balance checks, conversion and funding instructions, transaction data, authorization-related workflows, card controls, and settlement processes between a platform and its card program.

The precise functionality, eligible assets, transaction flow, and limits are determined by the selected providers, jurisdiction, compliance requirements, and approved program configuration.

Depending on the selected program, the integration may include:

• API documentation and access
• Sandbox testing
• Technical onboarding
• Cardholder onboarding and KYC integration
• Card creation and management functions
• Card funding or balance-management workflows
• Transaction reporting
• Card controls
• 3D Secure-related functionality
• Virtual and physical card configuration
• White-label program configuration

The exact integration scope is determined after reviewing the client’s business model, target markets, technical requirements, compliance profile, and selected issuing and infrastructure partners.

Luxmetallic can structure white-label and semi-white-label card programs through selected licensed issuing and infrastructure partners.

Depending on the selected program, the client’s identity and visual elements may be applied across virtual cards, physical cards, premium metal cards, cardholder interfaces, and other approved customer touchpoints.

The available level of customization is subject to the issuing partner’s capabilities, card network requirements, program approval, and applicable regulations.

A standard white-label card program allows a business to offer a card product under its own platform using the infrastructure of an issuing and technology partner.

A digital asset white-label solution may also connect eligible wallets or digital asset balances with card funding, conversion, and settlement workflows.

The exact structure depends on the client’s business model, eligible assets, target jurisdictions, technical requirements, and the capabilities and regulatory permissions of the selected partners.

Luxmetallic can structure eligible digital asset-funded prepaid card programs through selected licensed issuing and infrastructure partners.

Eligible assets, conversion methods, settlement currencies, card types, geographic availability, and transaction limits depend on the selected provider, jurisdiction, compliance assessment, and final program approval.

Depending on the selected issuing partner, jurisdiction, and approved program structure, card programs may be available through major global card networks, including Visa and Mastercard.

Network availability is not guaranteed for every client, program, or jurisdiction. All card issuance, BIN sponsorship, network participation, processing, compliance, and regulatory responsibilities are managed by the relevant licensed issuing institutions and regulated partners.

Luxmetallic card program solutions are designed for:

• Fintech and embedded-finance platforms
• Digital asset platforms
• Web3 and blockchain ecosystems
• Digital wallets
• Token-based applications
• Crypto platforms and exchanges
• Enterprise and high-value card programs

Eligibility depends on the client’s business model, target markets, compliance profile, required functionality, and acceptance by the selected issuing and infrastructure partners.

Yes. Luxmetallic can incorporate stablecoin funding, conversion, and settlement capabilities into eligible card and payment programs through Borderless and its network of regulated providers.

The infrastructure can support the conversion of eligible fiat currencies into stablecoins, as well as the conversion of supported stablecoins into fiat currencies for settlement through available banking and local payment rails. Borderless provides a unified API and orchestration layer connecting programs with the relevant regulated infrastructure providers.

Luxmetallic leads the commercial structuring and oversees the overall program to align this infrastructure with the wider card program. Available currencies, stablecoins, countries, payment rails, transaction limits, and settlement timelines depend on the selected providers, applicable jurisdiction, compliance approval, and final program configuration.