Issue Visa & Mastercard cards, open multi-currency accounts, send bank payouts straight from crypto, spin up crypto wallets, sell gift cards from 3,000+ brands, and run KYC — all through a single integration. Go live in days, not quarters.
# Issue a reloadable card, funded from a crypto wallet curl https://api.kemycard.com/v1/cards \ -H "Authorization: Bearer kc_live_****" \ -H "Content-Type: application/json" \ -d '{ "product": "visa_reloadable", "currency": "USD", "funding": "USDC_BASE", "kyc_level": "full" }' // 201 Created { "id": "card_2x91kP", "status": "active", "pan_masked": "**** 4829", "apple_pay": true }
Independent but interoperable — subscribe to one, or run them all from a single API key.
Let your users spend crypto anywhere Visa and Mastercard are accepted. Issue virtual cards in seconds. Ship physical cards worldwide, and support Apple Pay and Google Pay out of the box. No bank needed — just one API call.
Give your users their own bank account numbers in 6 currencies. They receive SEPA, Wire, ACH, PIX, SPEI or PSE transfers and you convert to crypto instantly — the easiest on-ramp for your platform, no banking license required.
Turn a crypto balance into a bank transfer. Pay suppliers, creators, employees or your own users directly on their bank account, in the United States and across Europe — with no bank account to open and no banking license on your side. You hold stablecoins, they receive dollars or euros.
Spin up custodial wallets for each of your users in one API call. Support USDC and USDT across the most popular chains — Ethereum, Base, Solana and Tron. Your users deposit, you sweep, and funds are ready to spend on cards or withdraw.
Turn crypto into everyday purchases. Your users buy Netflix, Amazon, Steam, Spotify and 3,000+ other brands instantly — no card needed. Digital codes delivered in seconds, paid from their crypto balance. A powerful monetization channel with zero chargebacks.
Stay compliant without building a KYC stack. Generate verification links for ID and proof-of-address through Veriff or Didit — we pass through provider costs with zero markup. Unlimited verifications on any paid plan, results via webhook in real time.
Six products behind one integration: pick the ones your business needs today, add the others when you grow.
Launch Visa and Mastercard cards, accounts and bank payouts through a single API, with no banking license on your side.
Let your users spend stablecoins by card, and cash them out by SEPA Instant or ACH bank transfer.
Pay vendors and freelancers by SEPA Instant or ACH transfer, or on a virtual card.
Send salaries and transfers to bank accounts in Europe or the United States, from a stablecoin balance.
Programmable virtual cards per employee or per project, topped up on demand.
3,000+ gift card brands for your rewards and loyalty programs.
Send money to any bank account in the US or the EU, funded by the stablecoins you already hold. No virtual account to open first, no correspondent bank to negotiate with: one balance, one call, one transfer.
Payouts are reserved for customers who passed identity verification (KYC Level 2). Paid plans have no monthly cap; the free Découverte plan is capped per month.
Cards, virtual accounts, SEPA and ACH payouts, wallets, gift cards and KYC with a single API key.
A free Découverte plan, and an unlimited sandbox on every plan to build and test before going live.
Every fee is published on this page. No negotiated prices: every partner pays the same grid.
API keys, an allowlist of IP addresses and two-factor authentication on your dashboard.
Signed webhooks (HMAC) at every step, with delivery history and automatic retries.
SEPA Instant to 45 countries and ACH to the United States, from a stablecoin balance.
One plan for the whole API. Paid plans include every product with no monthly limit: they differ only by fees and support. Pay monthly, or commit longer for a discount.
Debited from your ops balances, funded in USDC. Fees decrease as your plan goes up.
| Operation | Découverte | Starter | Business | Premium |
|---|---|---|---|---|
| Ops balance deposit (Visa, Mastercard, Others) | $2 + 3% | $2 + 2.5% | $2 + 2.25% | $2 + 2% |
| Card creation | $5 | $3.50 | $2.50 | $1.50 |
| Card load and top-up | $1 + 2.5% | $1 + 2% | $1 + 1.75% | $1 + 1.5% |
| Gift Cards balance deposit | — | 5% | 4% | 3.5% |
| Payout — ACH US / SEPA Instant | $6 + 2.5% | $5 + 2% | $5 + 1.75% | $5 + 1.5% |
| Payout — RTP US Instant | — | $7 + 2% | $7 + 1.75% | $7 + 1.5% |
| Payout SEPA balance deposit | $1 + 1% | $0.75 + 0.75% | $0.50 + 0.5% | $0.25 + 0.25% |
| Wallet — deposit and withdrawal | — | $1 + 1% | $1 + 0.75% | $1 + 0.5% |
| Virtual account — individual | — | $10 | $7.50 | $5 |
| Virtual account — business | — | $15 | $10 | $7.50 |
| Virtual account — deposit and withdrawal | — | $1 + 1% | $1 + 0.75% | $1 + 0.5% |
| Card 493 (ATM withdrawals): creation including the first year | $41 | $33.50 | $26.50 | $19.50 |
| Card 493 (ATM withdrawals): each following year | $36 | $30 | $24 | $18 |
| Wallet — creation | — | $1 | $1 | $1 |
| ID verification (KYC) / proof of address (POA) | $2 / $1.80 | $2 / $1.80 | $2 / $1.80 | $2 / $1.80 |
| Wallet — withdrawal network fee | — | $0.50 – $2.50 | $0.50 – $2.50 | $0.50 – $2.50 |
Charged on the card itself, on every plan: authorization $0.30 · cross-border 2.5%. The 493 card is the only card with an annual fee: it is billed to your company on each card anniversary, never to your cardholders. No negotiated prices: every partner pays the same grid.
Predictable JSON, idempotency keys, signed webhooks for every event, and a full sandbox so you can build before you sign. Rate limits scale with your plan.
// Signed event delivered to your endpoint { "event": "card.authorization", "data": { "card_id": "card_2x91kP", "amount": 42.90, "currency": "USD", "merchant": "Netflix.com", "funded_from": "USDC_BASE", "status": "approved" }, "signature": "t=1780,v1=9a7f..." }
We'll review your use case and send API keys, docs and a partnership proposal.
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