Overview
These terms govern your use of Cryptocardium, the card programme it sponsors, the panel at cryptocardium.com, the REST API at api.cryptocardium.com, and the MCP server at mcp.cryptocardium.com.
By opening an account, you agree to these terms. If you don't agree, don't open an account. Closing your account at any time is one ticket away.
Parties & the card programme
Cryptocardium is the technology platform. We provide the panel, the REST API, the MCP server, the panel-to-issuer integration, and customer support.
The card programme itself is sponsored by a licensed BIN-issuing partner regulated in a tier-one jurisdiction. The issuer holds your card balance in a segregated account, runs the authorisation rails, and is the entity of record for Visa and Mastercard.
When you use a Cryptocardium card at a merchant, you're using a card issued by our regulated partner, settled on the official card schemes, with funding routed by us.
Service description
Cryptocardium provides:
- A treasury balance denominated in USDT, fundable from 10+ cryptocurrencies.
- Virtual Visa and Mastercard cards across four BIN programmes, issued instantly.
- A single physical Visa Gold card, shipped within 5–9 days.
- Mobile-wallet provisioning (Apple Pay, Google Pay) for every virtual card.
- Withdrawal of USDT to any external wallet you control.
- Per-card programmable rules (spend ceilings, MCC controls, geofencing).
- REST and MCP access to every panel action.
Eligibility
You must be at least 18 years old to open an account. By signing up, you represent that you meet that requirement.
The card programme is available in most jurisdictions worldwide, but a small number of countries are excluded by the issuer's sanctions screening (those on global sanctions lists). Top-ups from sanctioned regions are declined at the on-chain settlement layer.
We do not verify your jurisdiction or identity. Acceptance of these terms is your representation that the service is lawful for you to use where you are.
Accounts & security
Cryptocardium accounts are identified by an email and protected by a bcrypt password hash. TOTP two-factor authentication is available and strongly recommended. You are responsible for keeping your credentials secure.
Fees & balances
Fees are listed in full on the pricing page. Cryptocardium may change fees with at least 30 days notice. Existing balances are not retroactively re-priced.
Card programme rules
Every card is subject to the rules of the issuing scheme (Visa or Mastercard) and the issuer's internal policies. In particular:
- Some merchants categorise certain MCCs as high-risk and route them through additional authentication (3-D Secure). Visa Business (BIN 416842) and Visa Gold (BIN 448585) clear these natively.
- Cards have programmatic per-transaction and monthly ceilings. Issuer-level ceilings supersede yours.
- Cards may be declined by merchant-side fraud engines independently of our system; we cannot override merchant decisions.
- Cards must be used by the account holder. Sharing a card with anyone outside your control is prohibited.
Prohibited uses
The following uses will result in immediate suspension and possible permanent account closure:
- Funding from on-chain sources flagged by chain-analysis as proceeds of crime, terrorism financing, or fraud.
- Card use for transactions on global sanctions lists.
- Attempts to bypass per-card limits, MCC rules, or geofencing through fraudulent merchant categorisation.
- Resale of card numbers, CVVs, or expiry data to third parties.
- Reverse-engineering, scraping, or attacking the REST API or MCP server outside the scope of our bug bounty programme.
- Operating accounts on behalf of third parties without their knowledge or consent.
Disputes & chargebacks
If a transaction is unauthorised, duplicated, fraudulent, or otherwise erroneous, you can open a dispute through the panel or the REST API (POST /v1/disputes). We file with the issuer on your behalf at no charge.
The issuer follows Visa and Mastercard scheme rules for dispute resolution. Decisions can take 30–90 days depending on the merchant's response and evidence weight. We pass through the outcome to your balance and notify you via webhook.
Filing a dispute fraudulently (e.g., to reverse a legitimate purchase) is grounds for immediate account closure.
Disclaimers
Cryptocardium is provided as-is, without warranty of any kind beyond what is legally non-disclaimable. We don't guarantee that:
- Any merchant will accept your card (merchant acceptance is outside our control).
- Any specific transaction will be approved (issuer fraud engines may decline independently).
- Mobile wallet provisioning will succeed on every device (Apple and Google control wallet eligibility).
- On-chain settlements will reach finality within a specific window (network conditions vary).
Cryptocardium is not a bank. We do not provide banking services, savings accounts, or any deposit insurance. Card balances are held by the issuing partner in segregated accounts; the issuer's regulatory framework governs.
Limitation of liability
To the maximum extent permitted by law, neither Cryptocardium nor the issuing partner shall be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the service.
Aggregate liability for direct damages is limited to the greater of (a) the fees you paid Cryptocardium in the 12 months preceding the claim, or (b) the balance held in your account at the time of the claim.
This limitation does not exclude liability that cannot be excluded under applicable consumer-protection law.
Termination
You may close your account at any time from the panel. Cryptocardium reserves the right to suspend or terminate accounts that violate these terms, the programme rules, or applicable law.
Changes & governing law
We may update these terms. Material changes are announced via a panel banner for at least 30 days before they take effect, and a system.deprecation webhook for API users. The Last updated date at the top of this page is canonical.
These terms are governed by the laws of the jurisdiction in which the issuing partner is regulated. Disputes that cannot be resolved through our support process will be subject to that jurisdiction's courts, unless mandatory consumer-protection law in your jurisdiction provides otherwise.
Contact
For service-related questions, open a ticket inside the panel. For legal, compliance and regulatory matters, see the addresses listed at contact.