The worlds of traditional finance and Web3 are rapidly converging, and at the forefront of this evolution is the surging demand for crypto cards. Consumers want the utility of spending their digital assets anywhere, anytime. For fintechs, neobanks, and SaaS platforms, this presents a monumental opportunity. However, the path to launching a card program is paved with complexities, from multi-layered technology stacks to navigating a maze of global regulations.
This is where ArthaTech steps in. We provide a comprehensive, white-label Card-as-a-Service (CaaS) solution that eliminates these barriers. Our platform is more than just technology; it’s a strategic partnership designed to get your branded card program to market with unparalleled speed and flexibility.
The Artha FinTech Difference: An Architecture Built for Partnership
Our entire platform is built on an API-first philosophy, ensuring seamless and robust integration capabilities for launching your crypto card program. We function as a service aggregator, which means we’ve done the hard work of vetting and integrating multiple providers so you don’t have to. For our partners, this translates to significant advantages:
- Unmatched Choice→ Through a single API endpoint, you gain access to 10-15 different card program options. This allows you to select the precise features, fee structures, and regional capabilities that align with your business strategy.
- Modular by Design→ Our architecture is entirely plug-and-play. You can integrate our CaaS module into your existing services or deploy it as part of our full white-label neobank solution.
- Dedicated Expert Support→ Your success is our success. Our team of over 70 developers specializing in Web3 and FinTech provides continuous support and can build new features as your needs evolve.
Your Launchpad to Market: Unmatched Speed and Flexibility
Time to market is critical. We have engineered our processes to ensure you can launch your crypto card program quickly and strategically, no matter your starting point. Once any necessary licensing is in place, we can deploy a fully white-label crypto card solution in just 2–4 weeks. We offer two primary paths to get you there:
Path A: The Strategic Market Test
For businesses that want to validate their market and test customer appetite before a full-scale investment, we recommend a phased approach.
- Start with Virtual Cards→ These can be issued to your customers almost immediately. They are a low-cost, low-friction way to offer instant spending power.
- Utilize Generic Cards→ You can begin with non-white-label physical cards to test the market response. This approach allows you to build a user base and gather valuable data before committing to the higher volumes required for custom-branded physical cards.
Path B: The Full Brand Experience
When you are ready to launch a fully branded product, our platform is completely white-label ready. This is a deep level of customization that ensures the product feels entirely like your own.
- Deep Customization→ We customize the entire user experience, including logos, style sheets, and UX/UI.
- Your Domain→The solution is hosted on your server and domain, reinforcing your brand’s ownership of the product.
- Fast Production→ Even with full customization, the production time for white-label physical cards is typically only 2-3 weeks.
When you are ready to launch a fully branded product, our platform is completely white-label ready. This is a deep level of customization that ensures the product feels entirely like your own.
- Deep Customization→ We customize the entire user experience, including logos, style sheets, and UX/UI.
- Your Domain→The solution is hosted on your server and domain, reinforcing your brand’s ownership of the product.
- Fast Production→ Even with full customization, the production time for white-label physical cards is typically only 2-3 weeks.
Fortified with Compliance and Security: Building on a Foundation of Trust
We have perfected the compliance and regulatory aspects of our platform so you can operate with confidence.
- Robust Security Certifications→ We are certified for PCI-DSS, GDPR, SOC 2, and ISO 27001. Furthermore, we continuously perform vulnerability assessments and penetration testing (VAPT) to maintain the highest security standards.
- A Pragmatic Approach to Licensing→For crypto card services, a license is not always strictly required to handle crypto. However, it is standard industry practice and highly recommended to have some form of licensing, such as a Money Service Business (MSB) license. We help connect you with suitable providers based on your licensing status.
- Streamlined KYC/KYB→ We have integrated Sumsub for KYC but can integrate with your preferred provider within a week. Our system facilitates live onboarding for customers through both web and mobile interfaces and employs a tiered approach:
- Virtual Cards→ Require only minimal KYC for issuance.
- Physical Cards→ Require ID documents and a liveness test for enhanced security.
- Built-in Regulatory Reporting→ Our platform features built-in AML tools and generates ready-made regulatory reports for various frameworks, including FINTRAC (Canada MSB) and FINMA (Switzerland SRO), simplifying your compliance obligations.
A Transparent and Flexible Economic Model
Our pricing is designed to be clear, predictable, and aligned with your growth.
- SaaS-Based Model→ We primarily operate on a SaaS model, which includes a one-time setup cost and ongoing monthly maintenance fees. The setup fee covers the full white-labeling of the platform with your brand assets and hosting on your server.
- Card-Specific Costs→ There are separate fees for virtual and physical cards. Additional costs include standard card top-up fees and issuance fees.
- Option to Own→ We offer a unique degree of flexibility. If your business strategy evolves and you later decide you want to own the source code, we offer the option to sell it to you outright.
Global Reach Powered by Elite Integrations
ArthaTech’s CaaS solution is globally focused, enabling you to onboard customers from most countries, with the exception of China and other sanctioned nations. This crypto card global reach is powered by a robust backend connected to industry-leading partners for custody and liquidity, including:
- Custodians→ Fireblocks, DFNS, and Inabit.
- Liquidity Providers→ Connections to top-tier exchanges like Binance, Kraken, and Crypto.com, as well as liquidity providers like Finery Markets, ensure competitive rates and deep liquidity for a wide range of cryptocurrencies.
Ready to build the future of crypto spending? Partner with ArthaTech and leverage our secure, compliant, and scalable Card-as-a-Service platform to launch your branded card program in weeks, not years.
Contact our team today for a detailed consultation on our 15+ card options and let’s design the perfect solution for your business.
