Financora SA, Geneva

Crypto cards, issued under a Swiss licence

We run Mastercard card programmes funded by stablecoins. You bring the brand, the app and the users. We bring the licence, the issuing processing and the settlement in USDC and EuroC.

Start a programme Read the API

Rue des Charmilles 1, c/o Abitri Sarl, Geneva, Switzerland

Mockup. Card art, name and BIN are set per programme.

Mastercard issuing network

USDC, EuroC settlement assets

EUR, USD, CHF card currencies

Apple Pay, Google Pay tokenised at issue

What you launch

One programme, every card your users ask for

Virtual cards go live the moment a user passes onboarding. Physical cards follow in the post. Both sit on the same BIN, the same API and the same balance.

Virtual and physical cards

Issue a virtual card in seconds, ship plastic when the user wants it. One programme covers both, with your card art on each.

Stablecoin funding

The programme settles in USDC and EuroC. Your users hold stablecoins and pay in EUR, USD or CHF at the till.

Apple Pay and Google Pay

Cards are tokenised at issue, so the first payment can happen on a phone before the plastic arrives.

Your brand end to end

Card design, in app screens, statements and notification copy carry your name. Financora stays behind the scenes.

Interchange revenue

Every purchase pays the programme. The split between you and us is written into the contract before launch.

KYC and KYB inside the flow

Onboarding, document checks, sanctions screening and ongoing monitoring run in the programme, with your branding on the screens.

How a payment settles

From a stablecoin balance to a terminal in four moves

01 · FUND

The user funds the card

USDC or EuroC moves from the user wallet into the programme account. The balance is visible in your app straight away.

02 · AUTHORISE

The terminal asks Mastercard

Mastercard passes the authorisation to our processing. We check balance, limits and fraud rules, then answer inside the scheme time window.

03 · CONVERT

Stablecoin becomes card currency

The amount converts to EUR, USD or CHF at authorisation, so the user sees one figure in the app and one on the receipt.

04 · SETTLE

We settle and reconcile

We settle with Mastercard in fiat, reconcile the programme back to stablecoin and send you the reports your finance team needs.

Division of work

We run the regulated part, you run the product

Financora runs

Scheme membership and the BIN your cards are issued on
Issuing processing, authorisation and limits
KYC, KYB, AML and sanctions screening
Card production, personalisation and delivery
Tokenisation for Apple Pay and Google Pay
Settlement, reconciliation and reporting
Disputes, chargebacks and fraud rules

You run

Your app, your users and your onboarding funnel
Brand, card design and the tone of every message
Funding rules, fees and the pricing your users see
Customer support you want to keep in house
The growth plan the cards are there to serve

Licence. The programme is issued under our partner's Swiss licence, so your own licence is optional. If you already hold one, we supply the technology layer and the programme runs on your licence instead.

Coverage and limits

The honest version of where this works

These are the boundaries of the programme today. We would rather put them on the website than in the third call.

Markets	Switzerland, the EEA and most of the rest of the world. A list of high risk countries stays outside the programme. We send the current list before you sign.
Network	Mastercard. Debit cards, consumer programmes, virtual and physical.
Card currencies	EUR, USD, CHF on the crypto programme. PLN and GBP are available on our second issuing route, for programmes without stablecoin settlement.
Settlement assets	USDC and EuroC. Other assets convert before they reach the programme.
Business cards	The crypto route covers consumer cards. Cards for companies and their employees run on our second issuing route, which we set up in parallel.
Scheme approval	Mastercard reviews every crypto card programme one by one, and that review is manual. Treat it as the critical path and start it on day one, while the integration runs beside it.

Three programmes we set up most often

Built for exchanges, wallets and the teams they pay

A man paying with his phone at a contactless terminal in a cafe

Exchange and wallet

Let the balance pay for coffee

Your users already hold stablecoins with you. A card turns that balance into everyday spending and keeps the money inside your product instead of an off ramp.

A woman working at a laptop in an office, holding a payment card

Teams and contractors

Pay a distributed team in stablecoin

People paid in USDC get a card, spending limits and clean statements. Company cards run on our second issuing route, which we open alongside the consumer one.

A woman at home using a banking app on her phone, holding a payment card

Crypto neobank

Launch the account, not only the card

Cards, tokenisation and a white label app come from one group, so a small team can put a full retail product in front of users.

Integration

A REST API your team can read in an afternoon

Sandbox first. Full card lifecycle against test data, before any contract signature.
Webhooks on everything. Authorisation, settlement, card status and KYC result each raise an event.
Mobile SDKs. Push provisioning to Apple Pay and Google Pay from inside your app.
One API for both card types. Virtual and physical cards share endpoints and data model.

cards.http

# Issue a virtual card on a stablecoin balance
POST /v1/cards
{
  "holder_id": "usr_8f21c0",
  "type": "VIRTUAL",
  "currency": "EUR",
  "funding": { "asset": "USDC" }
}

# 201 Created
{
  "card_id": "crd_31a7be",
  "status": "ACTIVE",
  "pan_last4": "8801",
  "token_ready": true
}

What stands behind the programme

A Geneva company with a payments group behind it

Financora SA is the Swiss entity you contract with. The processing, the tokenisation and the apps come from companies in the group that have been running card programmes for years.

Verestro

Fintech as a service, card issuing and tokenisation

Sparados

Business control and virtual cards

GoPay

Social payments

Sportigio

Sport tech and fan engagement

Orovera

Social payments

Questions we get on the first call

Answers before you ask

Do we need our own licence?

Your own licence is optional. The programme runs on our partner's Swiss licence, with Financora technology behind it. Teams that already hold a licence keep it and take the technology layer alone.

Which network are the cards on?

Mastercard, for both virtual and physical cards.

Which stablecoins settle the programme?

USDC and EuroC. Other assets are converted before they reach the card programme.

Consumer cards, company cards, or both?

The crypto route issues consumer cards. Company and employee cards run on our second issuing route, and both can run at the same time under one commercial agreement.

How long does a launch take?

Two clocks run at once. The technical integration is in your hands and moves as fast as your team does. The Mastercard approval for a crypto programme is a manual review with its own pace, so we open it on day one and keep you posted on where it stands.

Where can our users live?

Switzerland, the EEA and most other markets. A list of high risk countries stays outside the programme, and a few European countries sit on that list as well, so we go through it with you before you plan a launch market.

Next step

Tell us what you want to issue

Send the markets, the user numbers and the asset you settle in. You get a straight answer on feasibility, the licence route and the pricing shape, usually the same week.

Email us

Financora SA Rue des Charmilles 1
c/o Abitri Sarl
Geneva, Switzerland
[email protected]