Spendly
A privacy-focused crypto card platform that enables users to generate virtual cards instantly using cryptocurrency (SOL, ETH, BTC, USDC, USDT, etc.) and spend globally with minimal KYC, low fees, and support across 180+ countries.
Overview
Spendly bridges the gap between cryptocurrency holdings and everyday spending by providing instant virtual card generation backed by crypto assets. In a world where privacy is increasingly valued and crypto adoption continues to grow, Spendly offers a frictionless way to convert digital assets into real-world purchasing power—without the invasive KYC requirements and high fees of traditional exchanges.
Key results
The Problem
Cryptocurrency holders face significant friction when trying to use their assets for everyday purchases. Traditional off-ramps require extensive KYC, charge high fees, and often take days to process. Meanwhile, crypto debit cards from major providers still require full identity verification, defeating the privacy benefits that attracted many users to cryptocurrency in the first place.
Our Solution
Spendly provides instant virtual card generation with minimal KYC requirements, supporting major cryptocurrencies including SOL, ETH, BTC, USDC, and USDT. Users can generate cards in seconds and spend anywhere that accepts standard card payments—across 180+ countries—while maintaining greater financial privacy than traditional banking solutions.
Challenges We Overcame
Multi-Chain Integration
Building reliable integrations with multiple blockchain networks (Solana, Ethereum, Bitcoin) while handling varying confirmation times, gas fees, and network congestion gracefully.
Real-Time Exchange Rate Management
Implementing a pricing engine that provides fair, transparent exchange rates while protecting against volatility during the brief window between card funding and merchant settlement.
Global Compliance Navigation
Designing a compliance framework that satisfies regulatory requirements across 180+ countries while minimizing friction for legitimate users seeking privacy.
Results & Impact
Key Features
- Instant virtual card generation from crypto holdings
- Support for SOL, ETH, BTC, USDC, USDT, and more
- Minimal KYC with privacy-preserving verification
- Competitive exchange rates with transparent pricing
- Global acceptance at millions of merchants
- Real-time transaction notifications and spending controls
- Multi-currency wallet with portfolio tracking
What Users Say
Finally, a way to spend my crypto without jumping through hoops. Spendly makes it feel like the future we were promised.