Cards

Virtual cards for your team. And for your customers.

Issue virtual Visa and Mastercard cards in seconds, funded from your Monerail balances. Give them to employees, offer them to your customers under your own brand, or hand one to an AI agent.

Issue a card Talk to sales

NimbusVirtual

CardholderAMINA DIALLO•••• 2048

Try a brand

One card platform

Three ways to put cards to work

TEAM•••• 4417

Team cards

A virtual card for every employee, vendor or subscription. Set limits by person, merchant or category and freeze a card in one click.

Spend controls

YOUR BRAND•••• 2048

Customer cards

Offer cards to your own customers under your brand, and earn on every card issued and every top-up.

Card programs

AGENT•••• 7731

Agent cards

Give each AI agent its own card, loaded with the exact amount of a purchase it has to request first.

Agent cards

Customer card programs

A card in your product, a new revenue line for you

Fintech apps and neobanks

Add a US dollar card to your app without becoming an issuer.

Marketplaces and freelance platforms

Pay sellers and freelancers straight to a card they can spend right away.

SaaS platforms

Give your customers a card to pay for expenses from inside your tool.

Ad agencies

One card per client for Meta, Google or TikTok Ads, with budgets kept apart.

Rewards and cashback

Credit bonuses, refunds or cashback to a card that works anywhere.

Crypto-native apps

Let users spend their stablecoins anywhere cards are accepted.

How it works

From sign-up to an active card

POST /v1/cardholders201 Created

const holder = await monerail.cardholders.create({
  type: 'individual',
  first_name: 'Amina',
  last_name: 'Diallo',
  email: 'amina@example.com',
  country: 'CA',
  external_id: 'user_8841',
});

// → ch_5Kp2Lw · kyc: pending → verified

Funding

Fund cards from any balance, in any currency

Top up cards from your USD, EUR or stablecoin balances, or let your customers fund their own card by bank transfer, mobile money or USDC. Conversion happens at the moment of funding.

Explore accounts and FX

EUR, GBP, USDC, mobile money Card balance Card spend

Who does what

You own the customer. We carry the complexity.

You

—Your brand, your app and your customer relationship —The card design and your own fees —First-line support for your customers —The decision to offer a card to each customer

Monerail and our partners

—Issuing on the Visa and Mastercard networks —Identity verification (KYC) of your customers —Card data, stored by a PCI DSS certified partner —Disputes, fraud monitoring and 3-D Secure —Funding from every Monerail balance and currency

Your revenue

Set your own fees

Charge for issuing, a monthly plan or a fee on top-ups. Whatever you add above our price is yours.

Active customers with a card

What you charge per customer, per month

Estimated monthly revenue for you

$4,000

2,000 customers × $2 per month

Estimate before Monerail fees ($0.50 per card issued and 1% on top-ups). Excludes any top-up fees you add.

Issue your first card today

Team cards are live as soon as your account is verified. For customer programs, we will propose a setup and a launch timeline.

Open an account See pricing

Virtual cards for your team. And for your customers.

Three ways to put cards to work

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A card in your product, a new revenue line for you

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From sign-up to an active card

Fund cards from any balance, in any currency

You own the customer. We carry the complexity.

Set your own fees

Issue your first card today

Virtual cards for your team. And for your customers.

Three ways to put cards to work

Team cards

Customer cards

Agent cards

A card in your product, a new revenue line for you

Fintech apps and neobanks

Marketplaces and freelance platforms

SaaS platforms

Ad agencies

Rewards and cashback

Crypto-native apps

From sign-up to an active card

Fund cards from any balance, in any currency

You own the customer. We carry the complexity.

Set your own fees

Issue your first card today