Paying people is supposed to be simple. But for most platforms, it isn’t.
Bank transfers fail, take days, and require account details that recipients often don’t have readily accessible. Crypto payouts confuse non-crypto users. Gift cards can’t be reloaded, which means platforms are constantly reissuing new cards for every payout cycle.
Today we’re launching Paycards, a new way for platforms to send payouts directly to their users as prepaid cards, funded by stablecoins and spendable anywhere in the world.
| The global prepaid card market is projected to exceed $6 trillion by 2030. Yet most platforms still rely on bank transfers, which have average failure rates of 5-15% in emerging markets. Paycards solve this with a single API call. |
What Are Paycards?
Paycards are stablecoin-funded prepaid cards that platforms can issue to their users. The flow is simple: your platform triggers a payout via the Yativo API, a secure redemption link is sent to the recipient, and they tap to claim their card. From there, they can spend it in-store, online, or via Apple Pay, Google Pay and Samsung Pay.
We’re launching with two card types, designed for different payout use cases.
Reloadable Prepaid – Ongoing Payouts for Your Users
The Reloadable Prepaid card is built for platforms with recurring payout needs. Issue once via email, and reload anytime from your platform. Your users keep the same card – no new redemption, no friction.
This is the product we built specifically for marketplaces and gig platforms. If you’re paying a seller their weekly earnings, you don’t want to send a new card every week. With a reloadable card, you top up what they already have. They spend. You move on.
Reloadable cards support:
- Consumer spend – everyday in-store and online purchases for individuals and gig workers
- Corporate spend – team budgets, vendor payments, and business travel locked to corporate merchant categories
- Apple Pay, Google Pay and Samsung Pay from the moment the card is redeemed
Single Load Prepaid – Rewards, Gifts and One-Time Payouts
The Single Load Prepaid card is built for one-time use cases: reward programs, gift cards, cashback payouts, loyalty incentives, and vendor disbursements.
Load once. The recipient spends wherever accepted. When the balance is gone, the card is done.
We’re now launching the reloadable program, giving platforms the flexibility to choose the right program for their use case and geography:
- Global programs – work anywhere Visa is accepted
- Consumer or corporate – choose the spend type that fits your users
How It Works
- Platform triggers payout. Call the Yativo API, select a card program, and load stablecoins. One API call handles everything.
- Yativo issues a secure link. A redemption link is generated and returned to your platform via webhook. Redirect in-app or send via email.
- Recipient redeems. They tap the link to claim their card. It binds instantly to Apple Pay, Google Pay and Samsung Pay.
- Card is live. Spend in-store, online, or contactless anywhere the network is accepted. For reloadable cards, future top-ups appear automatically.
Support is provided by the card issuing partner, not the platform. Your users get help directly from the card issuer – your team doesn’t carry the support load.
Card Capabilities
Every Paycard works across the spend methods your users expect:
- In-store purchases via chip, contactless, and digital wallet
- Online payments at any merchant that accepts card
- Apple Pay, Google Pay and Samsung Pay from first use
- Local currency spend regardless of how the card was funded
Supported networks: Visa (Reloadable Prepaid) · Mastercard, Visa, American Express, UnionPay (Single Load Prepaid). Available in virtual and physical card formats.
Who Is This Built For?
- Distribute crypto-derived payouts to users as spendable prepaid cards without requiring them to have a crypto wallet or bank account. VASPs
- Add card payout capabilities to your product without building your own card infrastructure. Fintechs
- Pay gig workers and freelancers via reloadable cards issued to their email. Reload weekly earnings to the same card. Marketplaces
- Manage corporate spend or vendor disbursements across your user base with corporate-spend-locked cards. Platforms
| A global freelance marketplace can now issue a reloadable Visa card to every seller at signup, and top it up every time earnings are paid out. The seller never has to provide bank details, never waits for a transfer, and spends immediately via their phone. |
Pricing
Pricing depends on the card program your platform selects. Each of the 8 issuer programs carries its own fee structure based on network, geography, and spend type. Contact Yativo to review program terms before selecting a card program.
Available Now
Paycards are live today via the Yativo API. No minimum volumes, no lengthy onboarding. You can test the full flow in our sandbox before going live.
- Explore the Paycards endpoint at yativo.com/card-issuing
- Test in sandbox at test.yativo.com
- Book a call with our team to select the right card program for your use case