EST. 2012 CODEGO GROUP LTD · MALTA CRYPTO CARDS 500+ COINS VISA · MASTERCARD ETH · BTC · TRON · BSC · POLYGON · SOLANA REAL-TIME CONVERSION EU · US · UAE · ASIA · AFRICA · LATAM · OCEANIA APPLE PAY · GOOGLE PAY REVENUE SHARE + INTERCHANGE FATF TRAVEL RULE READY SANDBOX · LIVE IN 15 DAYS EST. 2012 CODEGO GROUP LTD · MALTA CRYPTO CARDS 500+ COINS VISA · MASTERCARD ETH · BTC · TRON · BSC · POLYGON · SOLANA REAL-TIME CONVERSION EU · US · UAE · ASIA · AFRICA · LATAM · OCEANIA APPLE PAY · GOOGLE PAY REVENUE SHARE + INTERCHANGE FATF TRAVEL RULE READY SANDBOX · LIVE IN 15 DAYS
Codego · Crypto cards · est. 2012 Vol. XII · Product brief / Crypto cards ● 7 regions · live conversion
01

Global white-label
crypto card issuing.

Launch a branded crypto card programme anywhere — Codego runs ready-to-launch issuers across EU, US, UAE, Asia, Africa, LATAM and Oceania. Visa and Mastercard, Apple Pay and Google Pay, real-time crypto-to-fiat on 500+ assets, all on a revenue-share + interchange model. Easy to launch, simple to run from one white-label console — live in about fifteen days.

(A) Issuing regions
7 regions worldwide
(B) Wallets & networks
Apple · Google Pay ready
(C) Economics
Rev-share + interchange
(D) Go-live
~15 days · sandbox first
02
Platform capabilities
Crypto meets card issuing — nine modules
9 modules

Crypto meets card issuing.

Codego white-label crypto card platform bridges digital asset wallets and traditional payment networks, enabling cardholders to spend any of 500+ supported cryptocurrencies at any Visa or Mastercard merchant worldwide. Real-time crypto-to-fiat conversion, multi-chain wallet support, and integrated KYC/AML make it straightforward to launch a fully compliant crypto card program under your own brand.

A · Liquidity

Over 500+ coins with liquidity

Access to more than 500 cryptocurrencies with deep liquidity pools and best-in-class execution for seamless card top-ups.

B · Fiat

Fiat deposit / withdrawal

Deposit and withdraw in fiat currency. Bank transfer, SEPA, SWIFT and card top-ups available across all supported regions.

C · Cards

Card issuing management

Full card lifecycle: issue, freeze, set limits and monitor. Prepaid and debit cards on Visa and Mastercard networks.

D · FX

Auto conversion · best price

Automatic crypto-to-fiat conversion at market best price at point of sale. Zero manual steps for the cardholder.

E · SEPA

Instant SEPA transfer

Send SEPA and SEPA Instant transfers directly from the crypto wallet. Bridge digital assets to traditional banking infrastructure.

F · KYC

KYC/AML liveness tool

Built-in liveness detection, document verification and AML screening. Compliant onboarding pipeline out of the box.

G · Multi-chain

Multi-network crypto

Support for all major blockchain networks: Ethereum, BSC, Polygon, Solana, Tron and more. Multi-network wallet management.

H · Spend

Instant debit card payment

Pay anywhere Visa or Mastercard is accepted using your crypto balance. Real-time settlement and instant notifications.

I · Topup

Topup wallet with a card

Fund the crypto wallet directly with a debit or credit card in seconds. Supports 150+ countries and 40+ currencies.

03
Global issuing reach
Ready-to-launch issuers across seven regions
7 regions

One platform,
issuers worldwide.

Most crypto card providers issue in a single region — usually the EU. Codego is different: we operate ready-to-launch crypto card programmes through locally licensed issuers and BINs across seven regions. You address cardholders in Europe, North America, the Middle East, Asia, Africa, Latin America and Oceania from a single white-label console, instead of stitching together a different provider for every market. Each programme ships with Apple Pay and Google Pay, real-time crypto-to-fiat conversion and the same revenue-share economics.

01 · Europe

European Union

EMI-distributed Visa & Mastercard programmes with EU IBAN, SEPA Instant and full FATF travel-rule compliance.

02 · North America

United States

US-issued card programmes for crypto and stablecoin spend, with domestic BIN and dollar settlement.

03 · Middle East

UAE, Saudi Arabia, Qatar, Kuwait & Bahrain

Issuing across the Gulf (UAE, Saudi Arabia, Qatar, Kuwait and Bahrain) for the fast-growing crypto market — local BIN, AED and multi-currency support.

04 · Asia

Asia

Issuing reach across key Asian markets for high-volume crypto-to-fiat card programmes.

05 · Africa

Africa

Card programmes for one of the world's most active crypto-adoption regions, with local issuing.

06 · LATAM

Latin America

Latin-American issuing for stablecoin-led spend where crypto is a real everyday payment rail.

07 · Oceania

Oceania

Issuing across Australia and the wider Oceania region under your own brand.

+ · Single console

One white-label platform

Every region is managed from the same branded console and API — one integration, global cardholders.

04
Programme economics
Revenue share + interchange, not just a cost line
Earn on spend

Cards that earn for you.

A Codego crypto card programme is a revenue stream, not only a feature. You earn a share of interchange on every cardholder purchase and a share of crypto-to-fiat conversion revenue, reported transparently in your console. No separate scheme negotiation, no processor contract to chase — the commercial model is built in, so the more your cardholders spend, the more your programme earns.

Revenue leverCodego programmeTypical single-region provider
Interchange shareYes — share of interchange on cardholder spendOften retained by the provider
Conversion revenueYes — share of crypto-to-fiat spreadProvider-kept or opaque
Apple Pay / Google PayIncluded on every programmeSometimes extra / later phase
Issuing geography7 regions, one consoleUsually one region (EU)
ReportingLive revenue-share dashboardMonthly statements
Pricing modelRevenue share + interchange · customFees-first · custom
05
See the white-label console
Every function, one simple interface
Live demo

A console you can
actually run.

The white-label crypto card console is built to be operated by a small team, not a back office. Onboard cardholders, run KYC, manage multi-asset wallets, issue and freeze cards, watch real-time crypto-to-fiat conversions, push cards to Apple Pay and Google Pay, and track revenue-share — all from one branded dashboard. Don't take our word for it: open the live sandbox and click through the whole flow yourself.

vcc-whitelabel.codegotech.com/dashboard
White-label crypto card dashboard — web console
White-label crypto card console — mobile
White-label Visa card in Apple Pay — tap to pay, Hold Near Reader
Apple Pay & Google Pay

Tap to pay,
from day one.

Every Codego card pushes straight into Apple Pay and Google Pay — your cardholders add the card to their wallet and tap to pay from phone or watch, with crypto converting to fiat in real time behind the scenes. No extra integration, included on every programme.

A · Onboard

Cardholder onboarding + KYC

Branded sign-up, liveness KYC/AML, sanctions and PEP screening — all inside the console.

B · Wallets

Multi-asset wallets

Create and manage crypto wallets across networks, with live balances and deposit addresses.

C · Issue

Issue & control cards

Issue virtual cards instantly, order physical cards, freeze, set limits and view PAN securely.

D · Pay

Apple Pay & Google Pay

Push provisioning to mobile wallets and watch real-time crypto-to-fiat at point of sale.

E · Earn

Revenue-share reporting

Track interchange and conversion revenue per programme, with exportable reports.

F · Brand

Your brand, your rules

Logo, colours, card art and mobile app — every surface carries your brand, not ours.

06
Developers & API
From sandbox key to live programme
REST · X-Api-Key

Build it with a
few API calls.

The crypto card platform is a clean REST API. Authenticate with an X-Api-Key, onboard a cardholder, issue a card and read balances — in sandbox first, then flip to live with a production key. Below are real calls from the Visa/Mastercard Card Issuing API reference. Grab a free sandbox key and start integrating today; talk to us when you're ready to go live.

Base URL & authentication

# Sandbox base URL
https://vcc-sandbox.codegotech.com/api/v1

# Every request is authenticated with your API key
X-Api-Key: vcck_sbx_…        # sandbox
X-Api-Key: vcck_live_…       # production
# Rate limit: 1,000 requests / minute per key

1 · Onboard a cardholder (create KYC session)

POST https://kyc-sandbox.codegotech.com/api/session/create
X-API-Key: your_kyc_sandbox_key
Content-Type: application/json

{
  "externalUserId": "your-user-001",
  "applicantType": "individual",
  "email": "user@example.com",
  "origin": "https://app.your-brand.com",
  "locale": "en",
  "returnUrl": "https://app.your-brand.com/onboarding/done"
}

# 201 Created
{
  "sessionId": "01HXY3FZK7QM2N8RP6V4XBJDGC",
  "iframeUrl": "https://kyc-sandbox.codegotech.com/embed?sid=01HXY…",
  "expiresAt": "2026-05-25T18:42:00Z"
}

2 · Issue a card to an approved cardholder

POST /users/{userId}/cards
X-Api-Key: vcck_sbx_…

{ "cardType": "virtual" }

3 · Read card details & crypto-collateral balances

GET /cards/{cardId}
X-Api-Key: vcck_sbx_…

GET /users/{userId}/balances
X-Api-Key: vcck_sbx_…

# PAN / CVC / PIN are returned only via the encrypted-secrets
# endpoints (RSA-OAEP), so card data never touches your servers.

Start in the sandbox with a free vcck_sbx_ key. When you're ready for production BINs, revenue share and live issuing across all seven regions, open a programme and our team responds within 24 hours.

07
Frequently asked
9 questions
9 Q&A

White-label crypto cards FAQ.

Q1.What is a white-label crypto card?
A white-label crypto card is a Visa or Mastercard payment card that automatically converts cryptocurrency to fiat at the point of sale. Cardholders hold crypto in a multi-asset wallet and spend in any currency at any merchant. The conversion uses live market rates with no manual action required.
Q2.Which cryptocurrencies are supported?
Codego crypto card platform supports 500+ cryptocurrencies across multiple blockchain networks including Ethereum, Bitcoin, TRON, BNB Chain and others. Automatic conversion to fiat happens at the best available market price at transaction time.
Q3.How does crypto-to-fiat conversion work at point of sale?
When a cardholder makes a purchase, Codego system converts the required fiat amount from their crypto wallet in real time using live market pricing. The merchant receives fiat; the cardholder crypto balance decreases by the equivalent amount plus applicable conversion fees.
Q7.In which regions can Codego issue crypto cards?
Codego runs ready-to-launch crypto card programmes through issuers across seven regions: the European Union, the United States, the United Arab Emirates, Asia, Africa, Latin America and Oceania. Each region uses a locally licensed issuer and BIN, so you can address cardholders worldwide from a single white-label platform instead of integrating a different provider per market.
Q4.Can I combine a crypto wallet with a traditional IBAN?
Yes. Codego white-label crypto card platform integrates with its IBAN and SEPA infrastructure. Users can hold both fiat (IBAN) and crypto balances, move funds between them, and choose which balance to spend at the point of sale.
Q5.What KYC does a crypto card program require?
Codego integrated KYC/AML liveness tool handles identity verification, PEP screening, sanctions checks and ongoing transaction monitoring. Crypto card programs comply with FATF travel rule requirements for crypto transfers above applicable thresholds.
Q6.Is there a white-label mobile app for crypto cards?
Yes. Codego provides a fully branded iOS and Android app that includes multi-asset crypto wallet management, IBAN integration, card controls, transaction history and KYC onboarding. The app is deployable under your brand within less than 15 days.
Q8.Do crypto cards support Apple Pay and Google Pay, and how does revenue share work?
Yes. Every Codego crypto card programme supports Apple Pay and Google Pay tokenisation out of the box. Commercially, programmes run on a revenue-share model: you earn a share of interchange and conversion revenue on cardholder spend, with transparent reporting in the white-label console. There is no need to negotiate a separate scheme or processor contract.
Q9.Can I test the white-label crypto card platform before launch?
Yes. Codego offers a self-service sandbox where you can create test cardholders, issue cards, run crypto-to-fiat conversions and explore the full white-label console before going live. Launching a production programme typically takes around 15 days from sandbox to live.
II
Plate II · Brands in production
Live consumer & B2B products on Codego infrastructure
6 brands · live

Brands running today
on Codego rails.

A selection of consumer banking apps, KYC services, white-label platforms and group properties currently in production on Codego infrastructure.

08
Get started
Response within 24 hours · banking@codegotech.com
Form · 7 steps

Become a fintech now,
on our technology.

One partner. All in one. Launch your branded banking platform with EU IBAN, prepaid and debit card programmes, Apple Pay and Google Pay — on Codego's licensed, PCI‑DSS certified infrastructure.

Codego Group LTD · Malta · Est. 2012
EUIPO 018922174 · PCI DSS by Adsigo, 2025

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Direct contact

banking@codegotech.com

For enterprise inquiries, BaaS partnerships and technical integration.

Crypto card API docs Sandbox API key
RL
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