Valuto
From stablecoin to checkout, end to end
Valuto is the middleware between your crypto and the card networks: custody, real-time conversion, card issuance and settlement — one platform, one balance, one tap.
Custodial USDT wallet
A unique deposit address per network — Tron (TRC-20), Ethereum (ERC-20) and BNB Chain (BEP-20). Deposits are detected on confirmation and credited to a double-entry ledger you can audit to the cent.
Real-time conversion
At top-up or at the moment you pay, we swap exactly enough USDT to fiat at the live rate. The spread and network fee are shown before you confirm — never buried in the exchange rate.
On-ramp: buy USDT with a card
No crypto yet? Buy USDT in-app with your own debit or credit card through a regulated on-ramp partner. Purchases run from $50 to $1,000 and settle directly into your wallet.
Virtual card + mobile wallets
A virtual card is issued the instant KYC clears, with a number, expiry and CVV kept in the issuer's PCI vault — never our database. Add it to Apple Pay or Google Pay and tap immediately.
Physical card
Order a printed card once your full verification clears; fulfilment runs through a card-bureau partner and ships to your verified address. Same balance, same controls, real-world tap.
Cryptoback rewards
Earn USDT back on eligible spend — 1% to 8% by plan — credited to your wallet at settlement, never at authorization, so refunds can't game it and the books always balance.
Direct payouts to card
A card-settlement API for businesses to push money straight onto a user's card — built for contractor pay and marketplace payouts, with first-class support in Japan and South Korea.
Tiered KYC & screening
Tier 1 unlocks a virtual card at starter limits; Tier 2 adds proof of address and a liveness check for the physical card and higher limits. Every applicant is screened against sanctions lists.
Global acceptance
Spend anywhere Visa and Mastercard are taken. Region-aware settlement and on-ramps for Latin America, Japan and South Korea, with sanctioned regions blocked in the authorization path.
Card controls that mean it
Every toggle is enforced in the authorization hot path and mirrored to the issuer for stand-in processing — so your rules hold even when systems degrade.
- Freeze & unfreeze instantly — the block lands in the authorization, not just the screen.
- Reveal number & CVV behind a step-up, served from the issuer's vault — card data never touches Valuto.
- Online, contactless, magstripe, ATM, foreign — each channel individually switchable, magstripe off by default.
- Spend limits & category blocks — including a gambling block across the full MCC set.
- Passkey step-up required for every sensitive change — a stolen phone session can't loosen your card.
