Unlock the power of crypto payments for your wallet
Trusted by the best
Until now, it was impossible for crypto wallets to issue branded debit cards.
Kulipa makes this a reality.
Turn your wallet into a bank by starting your own card program, with Kulipa.
The crypto payment card wallets have been waiting for
White-labelled
API-powered
Out of the box
Tailored to phones
Frictionless
Customizable
Unlock a payment use case for your wallet

Launch a comprehensive banking solution with instant settlement and card issuance, ATM access, and global coverage.
Provide users with a customized debit or prepaid card to spend their crypto anywhere Mastercard & Visa are accepted.


Create other services on top of the card (cashback, incentive and referral programs) to grow engagement even further.
Innovating with Argent
Watch the full interview with Itamar, Argent’s CEO, to understand how Kulipa helped design their ideal crypto card product.
Bring mainstream adoption to your wallet
Become top of mind
Foster user engagement
Grow activity in your wallet

Our card management platform
Become top of mind
Foster user engagement
Grow activity in your wallet

With our card management platform
Frequently asked questions
We're a one-stop-shop to help crypto wallet issue payment cards. These cards carry your brand, and offer best-in-class payment UX, a flexible API, and an intuitive dashboard to empower your support team.
We have 2 card products: a debit card and a prepaid card. Both let your users spend their crypto anywhere Mastercard and Visa are accepted.
With Kulipa, merchants don't need to accept crypto (or even know anything about it) for users to spend their holdings. We seamlessly convert USDC to fiat in the background, ensuring a smooth payment experience for all.
Anywhere Mastercard and Visa are accepted, Kulipa is, too! That means over 37 million establishments in 210 countries.
Whatever your wallet needs! Branded physical cards, Apple Pay®/ Google Pay™, or virtual cards for online purchases.
Kulipa takes security extremely seriously, using state-of-the-art measures to safeguard funds and data, so that users have peace of mind when spending their crypto. We work with a trusted network of partners to ensure maximum security for wallets and end users alike.
At this time, we support USDC, its wrapped versions, and Paxos. We can deploy on any blockchain - from EVM chains to L2 or Solana, and many more.
Blog of Kulipa

Crypto Compass - Week 5
⚖️ US SEC & Crypto Regulation Updates
- SEC Shifts Crypto Enforcement Strategy: The U.S. SEC is scaling down its crypto enforcement division while reassigning a key litigator involved in major cases against Ripple and Coinbase to the IT department. These moves suggest a potential shift in the agency’s regulatory approach, possibly signaling a less aggressive stance on crypto-related legal actions. Read more and Read more.
- Sen. Hagerty to Introduce Stablecoin Bill: U.S. Senator Bill Hagerty plans to introduce new stablecoin legislation, aiming to establish clear regulatory guidelines for issuers. The move aligns with growing bipartisan interest in stablecoin oversight. Read more.
- House Republicans Propose Stablecoin Regulation Draft: A new discussion draft for stablecoin regulation has been released by House Republicans, focusing on licensing and oversight mechanisms to ensure stability and compliance. Read more.
- French Hill Calls for Shift in US Crypto Enforcement: Congressman French Hill advocates for a regulatory approach that prioritizes clear rules over aggressive enforcement, signaling potential relief for the industry. Read more.
- Sen. Warren Criticizes Crypto 'Debanking' Practices: Senator Elizabeth Warren raises concerns over banks closing crypto-related accounts, arguing it threatens financial inclusion and innovation. Read more.
🏛️ Regulatory Developments
- US vs. MiCA: Global Crypto Standards in the Works?: As the U.S. grapples with fragmented crypto regulations, Europe’s MiCA framework sets a precedent for global standards. The divergence highlights the regulatory uncertainty in the U.S. market. Read more.
- Saudi Economist Pushes for Gulf Crypto Regulations: A leading Saudi economist urges Gulf nations to establish unified crypto payment regulations, emphasizing regional stability and competitiveness in digital finance. Read more.
- India Reconsiders Crypto Policy Amid Global Shifts: India is reevaluating its crypto stance as global adoption trends change, hinting at potential regulatory adjustments in one of the world’s largest emerging markets. Read more.
💰 Stablecoin Market & Adoption
- Stablecoin Market Cap Surges to $200B: Stablecoins are seeing a resurgence, with their total market capitalization surpassing $200 billion. Analysts link this growth to the broader crypto market recovery. Read more.
- Stablecoin Expansion Could Drive Crypto’s Next Rally: Analysts suggest that increased stablecoin liquidity could fuel the next major cryptocurrency rally, highlighting their role as a key market driver. Read more.
- Brazil’s Crypto Boom Led by Stablecoins: Stablecoins dominate Brazil’s crypto inflows, highlighting their importance in emerging markets where they offer a hedge against inflation and currency volatility. Read more.
🌏 Market Trends & Institutional Moves
- Asia Surpasses US & Europe in Bitcoin Retail Trading: Retail trading in Asia has overtaken the U.S. and Europe, showcasing the region’s growing influence on Bitcoin market dynamics. Read more.
- UBS Leverages Blockchain for Digital Gold Investments: Swiss banking giant UBS is exploring blockchain technology to enhance accessibility to digital gold investments for retail investors. Read more.
- Thailand’s SEC Launches Blockchain-Based Trading Platform: Thailand’s securities regulator is rolling out a blockchain-based platform for digital token trading, reinforcing the country’s crypto-friendly stance. Read more.
🎵 NFTs & Blockchain Innovation
- Sony’s Soneium Blockchain Debuts First Music NFT Collection: Sony is expanding into the NFT space with a music-focused collection, showcasing growing industry adoption of blockchain for digital content ownership. Read more.
⚖️ US SEC & Crypto Regulation Updates
- SEC Shifts Crypto Enforcement Strategy: The U.S. SEC is scaling down its crypto enforcement division while reassigning a key litigator involved in major cases against Ripple and Coinbase to the IT department. These moves suggest a potential shift in the agency’s regulatory approach, possibly signaling a less aggressive stance on crypto-related legal actions. Read more and Read more.
- Sen. Hagerty to Introduce Stablecoin Bill: U.S. Senator Bill Hagerty plans to introduce new stablecoin legislation, aiming to establish clear regulatory guidelines for issuers. The move aligns with growing bipartisan interest in stablecoin oversight. Read more.
- House Republicans Propose Stablecoin Regulation Draft: A new discussion draft for stablecoin regulation has been released by House Republicans, focusing on licensing and oversight mechanisms to ensure stability and compliance. Read more.
- French Hill Calls for Shift in US Crypto Enforcement: Congressman French Hill advocates for a regulatory approach that prioritizes clear rules over aggressive enforcement, signaling potential relief for the industry. Read more.
- Sen. Warren Criticizes Crypto 'Debanking' Practices: Senator Elizabeth Warren raises concerns over banks closing crypto-related accounts, arguing it threatens financial inclusion and innovation. Read more.
🏛️ Regulatory Developments
- US vs. MiCA: Global Crypto Standards in the Works?: As the U.S. grapples with fragmented crypto regulations, Europe’s MiCA framework sets a precedent for global standards. The divergence highlights the regulatory uncertainty in the U.S. market. Read more.
- Saudi Economist Pushes for Gulf Crypto Regulations: A leading Saudi economist urges Gulf nations to establish unified crypto payment regulations, emphasizing regional stability and competitiveness in digital finance. Read more.
- India Reconsiders Crypto Policy Amid Global Shifts: India is reevaluating its crypto stance as global adoption trends change, hinting at potential regulatory adjustments in one of the world’s largest emerging markets. Read more.
💰 Stablecoin Market & Adoption
- Stablecoin Market Cap Surges to $200B: Stablecoins are seeing a resurgence, with their total market capitalization surpassing $200 billion. Analysts link this growth to the broader crypto market recovery. Read more.
- Stablecoin Expansion Could Drive Crypto’s Next Rally: Analysts suggest that increased stablecoin liquidity could fuel the next major cryptocurrency rally, highlighting their role as a key market driver. Read more.
- Brazil’s Crypto Boom Led by Stablecoins: Stablecoins dominate Brazil’s crypto inflows, highlighting their importance in emerging markets where they offer a hedge against inflation and currency volatility. Read more.
🌏 Market Trends & Institutional Moves
- Asia Surpasses US & Europe in Bitcoin Retail Trading: Retail trading in Asia has overtaken the U.S. and Europe, showcasing the region’s growing influence on Bitcoin market dynamics. Read more.
- UBS Leverages Blockchain for Digital Gold Investments: Swiss banking giant UBS is exploring blockchain technology to enhance accessibility to digital gold investments for retail investors. Read more.
- Thailand’s SEC Launches Blockchain-Based Trading Platform: Thailand’s securities regulator is rolling out a blockchain-based platform for digital token trading, reinforcing the country’s crypto-friendly stance. Read more.
🎵 NFTs & Blockchain Innovation
- Sony’s Soneium Blockchain Debuts First Music NFT Collection: Sony is expanding into the NFT space with a music-focused collection, showcasing growing industry adoption of blockchain for digital content ownership. Read more.

Crypto Compass - Week 4
🌍 Global Regulatory Shifts
- Ex-SEC counsel Clarifies Regulatory Expectations for Crypto Firms: Adrienne Gurley outlined her expectations for crypto businesses, emphasizing compliance with existing securities laws. The move aims to provide clearer guidance amid ongoing legal disputes. Read more.
- CFTC Plans Crypto-Focused Roundtables: The US Commodity Futures Trading Commission (CFTC) is organizing roundtable discussions on crypto prediction markets, signaling increased oversight and dialogue with industry players. Read more.
- South Korea to Launch Crypto Crime Unit: South Korean prosecutors are formalizing a dedicated unit to investigate crypto-related crimes, reinforcing the country's commitment to tackling illicit activities in the sector. Read more.
⚖️ Legal and Compliance Challenges
- Binance Faces French Money Laundering Probe: French authorities are investigating Binance over allegations of money laundering, tax fraud, and other financial crimes, intensifying regulatory scrutiny on the exchange. Read more.
🏦 Central Banks and Crypto Policy
- ECB President Rejects Bitcoin for EU Reserves: Christine Lagarde has dismissed the idea of adding Bitcoin to the European Union’s reserves, emphasizing concerns over volatility and regulatory uncertainty. Read more.
- Czech Central Bank Evaluates Bitcoin Integration: The Czech National Bank is considering a proposal that could integrate Bitcoin into its financial system, reflecting a growing debate on the role of digital assets in national economies. Read more.
- Moscow Advances CBDC for Budget Payments: Russia has successfully piloted its digital ruble for government budget transactions, marking a significant step toward broader CBDC implementation. Read more.
📈 Market Moves
- Andreessen Horowitz Exits UK for US Focus: The prominent venture firm is shutting down its UK office to concentrate on the US market, citing potential benefits under a Trump administration. The move underscores shifting investment priorities amid evolving regulatory landscapes. Read more.
- Coinbase Secures Approval in Argentina: Coinbase has gained regulatory approval to operate in Argentina, expanding its presence in Latin America as demand for crypto services grows. Read more.
- Kraken Relaunches Staking in the US: Nearly two years after settling SEC charges, Kraken has resumed its staking services in the US, potentially setting a precedent for other exchanges. Read more.
💰 Stablecoins & DeFi Innovation
- Stablecoins Are Crypto's 'Killer App': A Blockworks report argues that stablecoins have become the most practical application of crypto, driving mainstream adoption and reshaping global finance. Read more.
- Tether Expands USDT to Bitcoin's Lightning Network: Tether has partnered with Lightning Labs to bring USDT transactions to Bitcoin’s Lightning Network, aiming to enhance scalability and speed. Read more.
- Circle Brings USDC to Aptos Blockchain: Stablecoin issuer Circle has launched USDC on the Aptos blockchain, expanding its presence in the rapidly evolving Layer 1 ecosystem. Read more.
- Crypto.com to Delist USDT in Select Markets: Crypto.com is removing USDT from certain regions due to regulatory concerns, reflecting the ongoing scrutiny of stablecoins worldwide. Read more.
🌎 National Crypto Strategies
- ECB Pushes for Digital Euro Amid US Policy Changes: The European Central Bank is accelerating plans for a digital euro in response to the Trump administration's executive order on cryptocurrencies, which could reshape banking dynamics. Read more.
- El Salvador Revises Bitcoin Strategy: As part of an agreement with the IMF, El Salvador has passed a bill adjusting its Bitcoin adoption policies, aiming to balance innovation with financial stability. Read more.
- Arizona Takes First Step Toward Crypto Investments: Lawmakers in Arizona have advanced a proposal that could allow the state to invest in cryptocurrencies, signaling a shift in state-level policy. Read more.
🌍 Global Regulatory Shifts
- Ex-SEC counsel Clarifies Regulatory Expectations for Crypto Firms: Adrienne Gurley outlined her expectations for crypto businesses, emphasizing compliance with existing securities laws. The move aims to provide clearer guidance amid ongoing legal disputes. Read more.
- CFTC Plans Crypto-Focused Roundtables: The US Commodity Futures Trading Commission (CFTC) is organizing roundtable discussions on crypto prediction markets, signaling increased oversight and dialogue with industry players. Read more.
- South Korea to Launch Crypto Crime Unit: South Korean prosecutors are formalizing a dedicated unit to investigate crypto-related crimes, reinforcing the country's commitment to tackling illicit activities in the sector. Read more.
⚖️ Legal and Compliance Challenges
- Binance Faces French Money Laundering Probe: French authorities are investigating Binance over allegations of money laundering, tax fraud, and other financial crimes, intensifying regulatory scrutiny on the exchange. Read more.
🏦 Central Banks and Crypto Policy
- ECB President Rejects Bitcoin for EU Reserves: Christine Lagarde has dismissed the idea of adding Bitcoin to the European Union’s reserves, emphasizing concerns over volatility and regulatory uncertainty. Read more.
- Czech Central Bank Evaluates Bitcoin Integration: The Czech National Bank is considering a proposal that could integrate Bitcoin into its financial system, reflecting a growing debate on the role of digital assets in national economies. Read more.
- Moscow Advances CBDC for Budget Payments: Russia has successfully piloted its digital ruble for government budget transactions, marking a significant step toward broader CBDC implementation. Read more.
📈 Market Moves
- Andreessen Horowitz Exits UK for US Focus: The prominent venture firm is shutting down its UK office to concentrate on the US market, citing potential benefits under a Trump administration. The move underscores shifting investment priorities amid evolving regulatory landscapes. Read more.
- Coinbase Secures Approval in Argentina: Coinbase has gained regulatory approval to operate in Argentina, expanding its presence in Latin America as demand for crypto services grows. Read more.
- Kraken Relaunches Staking in the US: Nearly two years after settling SEC charges, Kraken has resumed its staking services in the US, potentially setting a precedent for other exchanges. Read more.
💰 Stablecoins & DeFi Innovation
- Stablecoins Are Crypto's 'Killer App': A Blockworks report argues that stablecoins have become the most practical application of crypto, driving mainstream adoption and reshaping global finance. Read more.
- Tether Expands USDT to Bitcoin's Lightning Network: Tether has partnered with Lightning Labs to bring USDT transactions to Bitcoin’s Lightning Network, aiming to enhance scalability and speed. Read more.
- Circle Brings USDC to Aptos Blockchain: Stablecoin issuer Circle has launched USDC on the Aptos blockchain, expanding its presence in the rapidly evolving Layer 1 ecosystem. Read more.
- Crypto.com to Delist USDT in Select Markets: Crypto.com is removing USDT from certain regions due to regulatory concerns, reflecting the ongoing scrutiny of stablecoins worldwide. Read more.
🌎 National Crypto Strategies
- ECB Pushes for Digital Euro Amid US Policy Changes: The European Central Bank is accelerating plans for a digital euro in response to the Trump administration's executive order on cryptocurrencies, which could reshape banking dynamics. Read more.
- El Salvador Revises Bitcoin Strategy: As part of an agreement with the IMF, El Salvador has passed a bill adjusting its Bitcoin adoption policies, aiming to balance innovation with financial stability. Read more.
- Arizona Takes First Step Toward Crypto Investments: Lawmakers in Arizona have advanced a proposal that could allow the state to invest in cryptocurrencies, signaling a shift in state-level policy. Read more.

Crypto Compass - Week 3
📜 Regulatory Developments
- Trump Signs Order on Digital Asset Regulation: Former U.S. President Donald Trump has issued an executive order aimed at overhauling digital asset regulations. The order establishes a working group to explore a national Bitcoin reserve and streamline crypto policies, signaling a shift toward a more crypto-friendly stance. Read more.
- Trump Names SEC Commissioner Mark Uyeda as Acting Chair: In a major regulatory shift, Trump has appointed SEC Commissioner Mark Uyeda as acting chair, replacing Gary Gensler. This change could lead to a more lenient approach toward crypto regulation under the SEC’s new leadership. Read more.
- Trump Taps CFTC Commissioner Caroline Pham as Acting Chair: Trump has also appointed CFTC Commissioner Caroline Pham as acting chair of the derivatives regulator, reinforcing expectations that the administration may ease crypto-related enforcement actions. Read more.
- ESMA Pushes for Delisting of Non-MiCA Compliant Stablecoins: The European Securities and Markets Authority (ESMA) is advocating for the delisting of stablecoins that fail to comply with the Markets in Crypto-Assets Regulation (MiCA). This move could significantly impact stablecoin offerings in the EU. Read more.
- Hong Kong’s Legislative Council Discusses New Stablecoin Bill: Hong Kong lawmakers are considering a new stablecoin bill as part of efforts to strengthen the city's position as a global crypto hub. The legislation aims to regulate stablecoin issuers and ensure compliance with financial stability measures. Read more.
🏦 Institutional and Market Developments
- Big Bank CEOs Speak Out on Crypto Struggles: JPMorgan CEO Jamie Dimon and other top bank executives have expressed concerns about crypto industry struggles even under the Trump administration. Their remarks highlight ongoing regulatory uncertainty despite Trump’s perceived pro-business stance. Read more.
- Boerse Stuttgart Digital Secures EU-Wide Crypto License: Boerse Stuttgart Digital, a subsidiary of the Stuttgart Stock Exchange, has obtained a MiCA-compliant license, enabling it to operate crypto custody and trading services across the EU. This marks a significant step in institutional crypto adoption in Europe. Read more.
- Real-World Asset TVL Surges 200% to $7.3 Billion: The total value locked (TVL) in real-world asset (RWA) tokenization has surged by 200%, reaching $7.3 billion. This growth is driven by increasing institutional interest in tokenizing government securities and other financial assets. Read more.
💰 Stablecoin and Tokenization Growth
- Solana-Based Stablecoin Supply Hits $10 Billion: The total supply of stablecoins on the Solana blockchain has surpassed $10 billion, reflecting growing adoption and demand for stablecoin transactions on the network. USDC remains the dominant stablecoin on Solana. Read more.
- Circle Acquires Hashnote, Expanding Tokenization Efforts: Stablecoin issuer Circle has acquired Hashnote, a startup focused on tokenizing real-world assets. The acquisition aligns with Circle’s strategy to enhance the use of digital assets and expand its tokenized financial products. Read more.
📜 Regulatory Developments
- Trump Signs Order on Digital Asset Regulation: Former U.S. President Donald Trump has issued an executive order aimed at overhauling digital asset regulations. The order establishes a working group to explore a national Bitcoin reserve and streamline crypto policies, signaling a shift toward a more crypto-friendly stance. Read more.
- Trump Names SEC Commissioner Mark Uyeda as Acting Chair: In a major regulatory shift, Trump has appointed SEC Commissioner Mark Uyeda as acting chair, replacing Gary Gensler. This change could lead to a more lenient approach toward crypto regulation under the SEC’s new leadership. Read more.
- Trump Taps CFTC Commissioner Caroline Pham as Acting Chair: Trump has also appointed CFTC Commissioner Caroline Pham as acting chair of the derivatives regulator, reinforcing expectations that the administration may ease crypto-related enforcement actions. Read more.
- ESMA Pushes for Delisting of Non-MiCA Compliant Stablecoins: The European Securities and Markets Authority (ESMA) is advocating for the delisting of stablecoins that fail to comply with the Markets in Crypto-Assets Regulation (MiCA). This move could significantly impact stablecoin offerings in the EU. Read more.
- Hong Kong’s Legislative Council Discusses New Stablecoin Bill: Hong Kong lawmakers are considering a new stablecoin bill as part of efforts to strengthen the city's position as a global crypto hub. The legislation aims to regulate stablecoin issuers and ensure compliance with financial stability measures. Read more.
🏦 Institutional and Market Developments
- Big Bank CEOs Speak Out on Crypto Struggles: JPMorgan CEO Jamie Dimon and other top bank executives have expressed concerns about crypto industry struggles even under the Trump administration. Their remarks highlight ongoing regulatory uncertainty despite Trump’s perceived pro-business stance. Read more.
- Boerse Stuttgart Digital Secures EU-Wide Crypto License: Boerse Stuttgart Digital, a subsidiary of the Stuttgart Stock Exchange, has obtained a MiCA-compliant license, enabling it to operate crypto custody and trading services across the EU. This marks a significant step in institutional crypto adoption in Europe. Read more.
- Real-World Asset TVL Surges 200% to $7.3 Billion: The total value locked (TVL) in real-world asset (RWA) tokenization has surged by 200%, reaching $7.3 billion. This growth is driven by increasing institutional interest in tokenizing government securities and other financial assets. Read more.
💰 Stablecoin and Tokenization Growth
- Solana-Based Stablecoin Supply Hits $10 Billion: The total supply of stablecoins on the Solana blockchain has surpassed $10 billion, reflecting growing adoption and demand for stablecoin transactions on the network. USDC remains the dominant stablecoin on Solana. Read more.
- Circle Acquires Hashnote, Expanding Tokenization Efforts: Stablecoin issuer Circle has acquired Hashnote, a startup focused on tokenizing real-world assets. The acquisition aligns with Circle’s strategy to enhance the use of digital assets and expand its tokenized financial products. Read more.