Written by As more businesses explore crypto-based financial solutions, white label crypto cards are emerging as a valuable tool for B2B companies looking to streamline payments, enhance financial flexibility, and offer seamless crypto-to-fiat transactions. These cards enable businesses to provide branded crypto payment solutions without developing their own infrastructure, making them an attractive option for fintech firms, payment providers, and enterprises dealing with digital assets. However, not all white label crypto card solutions are the same. In this guide, we’ll explore the key features B2B companies should look for when selecting the right provider.
1. Multi-Currency and Crypto Support
A robust white label crypto card solution should support multiple cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), stablecoins (USDC, USDT), and even traditional fiat currencies.
Why It Matters:
- Allows businesses to cater to a global customer base with different currency preferences.
- Reduces the friction of currency conversions for cross-border transactions.
- Provides flexibility in managing both crypto and fiat assets on the same platform.
2. Seamless Fiat Conversion and Spending Capabilities
B2B companies require a white label crypto card solution that facilitates real-time crypto-to-fiat conversion. This ensures users can easily spend crypto at any merchant that accepts traditional card payments.
Key Features:
✅ Instant conversion – Convert crypto to fiat at the time of purchase.
✅ Wide acceptance – Usable anywhere major payment networks (Visa, Mastercard) are accepted.
✅ Spending limits and controls – Set limits for different user types (employees, clients, vendors).
3. Strong Security and Compliance Features
Regulatory compliance is crucial for any financial product. A white label crypto card solution should offer strong security features and adhere to global compliance standards.
What to Look For:
🔒 KYC/AML Compliance – Built-in identity verification (Know Your Customer) and anti-money laundering measures to prevent fraud.
🔒 Cardholder Authentication – Features like two-factor authentication (2FA), biometric verification, and dynamic CVVs.
🔒 Fraud Detection & Risk Monitoring – AI-powered fraud detection tools to monitor transactions in real-time.
4. Custom Branding and API Integrations
One of the biggest advantages of a white label crypto card is the ability to brand it as your own. The ideal solution should provide full customization, allowing businesses to design the card, interface, and user experience to match their brand identity.
Key Features:
🎨 Custom card design – Logo, colors, and branding on both digital and physical cards.
🔗 API and SDK support – Seamless integration with existing platforms, including banking apps and crypto wallets.
📱 White-label mobile app – A fully branded mobile application for cardholders to manage their funds.
5. Instant Issuance and Virtual Card Options
For B2B companies that need to issue multiple cards to employees, clients, or partners, instant issuance and virtual card support are essential.
Why It’s Important:
- Virtual cards can be issued instantly for online transactions without waiting for physical delivery.
- Instant issuance improves operational efficiency by allowing businesses to distribute cards quickly.
- Temporary and single-use cards provide additional security for specific transactions.
6. Competitive Transaction Fees and Revenue-Sharing Models
A white label crypto card solution should not only benefit end-users but also provide revenue opportunities for businesses. Providers that offer competitive fee structures and revenue-sharing models allow businesses to earn from transactions and card usage.
Considerations:
💰 Low transaction fees – Competitive rates for crypto-to-fiat conversions and withdrawals.
📈 Revenue-sharing models – Earn a percentage from transaction fees, interchange fees, and subscription plans.
🏦 Cashback and loyalty programs – Customizable rewards for increased customer engagement.
7. Global Reach and Cross-Border Usability
B2B companies operating internationally need a white label crypto card that works across multiple jurisdictions. Global acceptance and support for multiple regulatory environments are key.
Features to Look For:
🌍 Multi-region support – Ability to issue cards across different countries and regions.
🔁 Interoperability – Compatibility with international banking and payment systems.
🔎 Regulatory flexibility – Adapting to various compliance requirements depending on the region.
Conclusion
A white label crypto card solution can offer B2B companies a powerful tool to facilitate crypto payments, manage cross-border transactions, and create new revenue streams. However, choosing the right provider requires careful evaluation of security, compliance, branding, multi-currency support, and cost-effectiveness.