[{"data":1,"prerenderedAt":782},["ShallowReactive",2],{"content-\u002Fresources\u002Fmore\u002Fstablecoin-cards-united-states-regulation":3,"resources-category-stablecoin-cards-united-states-regulation":618},{"id":4,"title":5,"authors":6,"body":7,"categories":6,"category":588,"categoryType":6,"compare":6,"contributors":6,"date":589,"description":590,"extension":591,"faq":592,"howto":6,"isBlog":608,"isChangelog":608,"meta":609,"navigation":611,"path":612,"pillar":608,"products":6,"rawbody":613,"role":6,"seo":614,"seoTitle":615,"stem":616,"thumbnail":6,"updated":6,"__hash__":617},"content\u002Fresources\u002Fmore\u002Fstablecoin-cards-united-states-regulation.md","Stablecoin cards in the United States: the GENIUS Act, sponsor banks, and Visa USDC settlement",null,{"type":8,"value":9,"toc":573},"minimark",[10,14,17,23,29,48,57,62,65,68,94,172,180,184,187,203,216,220,223,232,241,248,252,255,269,273,276,295,299,302,350,354,357,429,433,436,444,452,456,459,502,506,514,518],[11,12,13],"p",{},"A US stablecoin card runs on the same structure as any prepaid or debit card: a sponsor bank issues it, a program manager runs it, and a processor approves each purchase. The GENIUS Act, signed July 18, 2025, adds federal rules for payment stablecoins. Visa now lets some US partners settle card activity in USDC.",[11,15,16],{},"That gives builders two separate rulebooks. Banking and card rules apply to the card. Stablecoin and money-transmission rules apply to the balance behind it. Users mostly feel the difference in two places: deposit insurance and taxes.",[11,18,19],{},[20,21,22],"em",{},"This page is general information, not legal or tax advice.",[11,24,25],{},[26,27,28],"strong",{},"Key takeaways",[30,31,32,36,39,42,45],"ul",{},[33,34,35],"li",{},"The sponsor bank is the legal issuer and owns the compliance program for every card on its BIN.",[33,37,38],{},"The GENIUS Act became Public Law 119-27 on July 18, 2025, and sets a federal framework for payment stablecoin issuers.",[33,40,41],{},"Visa launched US USDC settlement on December 16, 2025 with Cross River Bank and Lead Bank, and reported a $7 billion annualized settlement run rate across nine blockchains by April 29, 2026.",[33,43,44],{},"The FDIC says deposit insurance does not apply to crypto assets, including stablecoin balances behind a card.",[33,46,47],{},"The IRS treats spending digital assets on goods and services as a disposal you report.",[11,49,50,51,56],{},"For how stablecoin cards work in general, start with ",[52,53,55],"a",{"href":54},"\u002Fresources\u002Fmore\u002Fwhat-is-stablecoin-card-issuing","what stablecoin card issuing is",".",[58,59,61],"h2",{"id":60},"who-does-what-in-a-us-stablecoin-card-program","Who does what in a US stablecoin card program?",[11,63,64],{},"Four parties run a US card program, and a fifth handles the stablecoin. The sponsor bank carries the most regulatory weight because every card runs on its BIN.",[11,66,67],{},"Quick definitions:",[30,69,70,76,82,88],{},[33,71,72,75],{},[26,73,74],{},"Sponsor bank (BIN sponsor):"," the chartered bank that issues the card and is responsible for it to regulators and the network.",[33,77,78,81],{},[26,79,80],{},"Program manager:"," the company that designs and operates the program under the sponsor bank's policies.",[33,83,84,87],{},[26,85,86],{},"Processor:"," the system that receives authorization requests and approves or declines them in real time.",[33,89,90,93],{},[26,91,92],{},"Stablecoin provider:"," the firm that holds, converts, or transfers the stablecoin balance, licensed for money transmission where required.",[95,96,97,113],"table",{},[98,99,100],"thead",{},[101,102,103,107,110],"tr",{},[104,105,106],"th",{},"Party",[104,108,109],{},"Main job",[104,111,112],{},"Who oversees it",[114,115,116,128,139,150,161],"tbody",{},[101,117,118,122,125],{},[119,120,121],"td",{},"Card network (Visa, Mastercard)",[119,123,124],{},"Routes transactions, sets program and dispute rules",[119,126,127],{},"Its own rules, enforced on members",[101,129,130,133,136],{},[119,131,132],{},"Sponsor bank",[119,134,135],{},"Legal issuer, owns the compliance program",[119,137,138],{},"Federal or state bank regulator",[101,140,141,144,147],{},[119,142,143],{},"Program manager",[119,145,146],{},"Onboarding, limits, support, reporting",[119,148,149],{},"The sponsor bank, by contract",[101,151,152,155,158],{},[119,153,154],{},"Processor",[119,156,157],{},"Authorizations, card controls, audit logs",[119,159,160],{},"The sponsor bank and network",[101,162,163,166,169],{},[119,164,165],{},"Stablecoin provider",[119,167,168],{},"Holds or converts the stablecoin",[119,170,171],{},"Money transmission and stablecoin rules",[11,173,174,175,179],{},"In a self-custodial program, the stablecoin stays in the user's own smart account, so the last row changes. The card side does not. ",[52,176,178],{"href":177},"\u002Fresources\u002Fmore\u002Fstablecoin-card-issuing-compliance","Stablecoin card issuing compliance"," lists each party's duties in more detail.",[58,181,183],{"id":182},"what-does-the-genius-act-change-for-stablecoin-cards","What does the GENIUS Act change for stablecoin cards?",[11,185,186],{},"The GENIUS Act creates a federal framework for payment stablecoins and the companies that issue them. It does not create a new card license. Card programs keep running under banking and network rules.",[11,188,189,190,196,197,202],{},"President Trump signed the act on July 18, 2025, and it became ",[52,191,195],{"href":192,"rel":193},"https:\u002F\u002Fwww.govinfo.gov\u002Fcontent\u002Fpkg\u002FPLAW-119publ27\u002Fhtml\u002FPLAW-119publ27.htm",[194],"nofollow","Public Law 119-27",". The ",[52,198,201],{"href":199,"rel":200},"https:\u002F\u002Fwww.whitehouse.gov\u002Ffact-sheets\u002F2025\u002F07\u002Ffact-sheet-president-donald-j-trump-signs-genius-act-into-law\u002F",[194],"White House fact sheet"," summarizes what the law covers.",[11,204,205,206,210,211,215],{},"For a card program, the practical effect is on which stablecoins the balance can hold. A sponsor bank will ask which stablecoin the program spends from and who issued it, and the federal framework gives both sides a common reference point for that question. The ",[52,207,209],{"href":208},"\u002Fresources\u002Fmore\u002Fgenius-act-for-businesses","GENIUS Act explained for businesses"," covers issuer rules, and ",[52,212,214],{"href":213},"\u002Fresources\u002Fmore\u002Fgenius-act-usdt-foreign-stablecoin-issuers","what the GENIUS Act means for USDT"," covers foreign-issued stablecoins.",[58,217,219],{"id":218},"how-does-visas-usdc-settlement-work-in-the-us","How does Visa's USDC settlement work in the US?",[11,221,222],{},"Visa now lets some US issuers settle card activity with Visa in USDC instead of converting to dollars first. The cardholder and the merchant see no difference. The change is in how the issuer pays the network.",[11,224,225,226,231],{},"On ",[52,227,230],{"href":228,"rel":229},"https:\u002F\u002Fusa.visa.com\u002Fabout-visa\u002Fnewsroom\u002Fpress-releases.releaseId.21951.html",[194],"December 16, 2025",", Visa launched stablecoin settlement in the United States. Cross River Bank and Lead Bank were the initial banking participants, settling with Visa in USDC over Solana, and Visa said broader US availability was planned through 2026. At the time, Visa reported a $3.5 billion annualized stablecoin settlement run rate as of November 30, 2025.",[11,233,234,235,240],{},"By ",[52,236,239],{"href":237,"rel":238},"https:\u002F\u002Fcorporate.visa.com\u002Fen\u002Fsites\u002Fvisa-perspectives\u002Fnewsroom\u002Fvisa-expands-stablecoin-settlement-adds-five-blockchains.html",[194],"April 29, 2026",", the settlement pilot supported nine blockchains and had reached a $7 billion annualized run rate, up 50% from the prior quarter. That is settlement volume, not card spend. Do not add it to card volume figures.",[11,242,243,244,56],{},"The step-by-step path of one purchase, from authorization to merchant payout, is in ",[52,245,247],{"href":246},"\u002Fresources\u002Fmore\u002Fhow-stablecoin-card-transactions-settle","how stablecoin card transactions settle",[58,249,251],{"id":250},"is-a-stablecoin-card-balance-fdic-insured","Is a stablecoin card balance FDIC insured?",[11,253,254],{},"Generally no. The card may be issued by an FDIC-insured bank, but the stablecoin balance behind it is not a bank deposit.",[11,256,257,258,263,264,268],{},"The ",[52,259,262],{"href":260,"rel":261},"https:\u002F\u002Fwww.fdic.gov\u002Fnews\u002Ffact-sheets\u002Fcrypto-fact-sheet-7-28-22.html",[194],"FDIC's crypto fact sheet"," says deposit insurance does not apply to crypto assets and does not protect against the default, insolvency, or bankruptcy of non-bank entities, including crypto custodians and exchanges. Read the program terms to see who holds your stablecoins and what happens if that company fails. ",[52,265,267],{"href":266},"\u002Fresources\u002Fmore\u002Fare-stablecoin-cards-safe","Are stablecoin cards safe?"," walks through the risks.",[58,270,272],{"id":271},"how-are-us-stablecoin-card-purchases-taxed","How are US stablecoin card purchases taxed?",[11,274,275],{},"The IRS treats digital assets as property, so spending them can be a reportable disposal. Dollar stablecoins usually produce tiny gains, but each purchase may still need a record.",[11,277,257,278,283,284,289,290,294],{},[52,279,282],{"href":280,"rel":281},"https:\u002F\u002Fwww.irs.gov\u002Ffiling\u002Fdigital-assets",[194],"IRS digital assets page"," says digital assets are property, not currency, and lists exchanging them \"for property, goods or services in any amount\" among the transactions covered. Form 1040, 1040-SR, and 1040-NR each ask a yes or no question about digital assets. Some exchange-linked cards, such as the ",[52,285,288],{"href":286,"rel":287},"https:\u002F\u002Fwww.coinbase.com\u002Fcard",[194],"Coinbase Card",", spend from a Coinbase balance and convert at the time of purchase, which is the disposal point. ",[52,291,293],{"href":292},"\u002Fresources\u002Fmore\u002Fare-stablecoin-card-purchases-taxable","Are stablecoin card purchases taxable?"," has a record-keeping checklist.",[58,296,298],{"id":297},"which-compliance-rules-apply-to-a-us-program","Which compliance rules apply to a US program?",[11,300,301],{},"Card rules require identifying every cardholder, and stablecoin transfers add sanctions and Travel Rule duties. Both apply at once.",[30,303,304,310,327,339],{},[33,305,306,309],{},[26,307,308],{},"Customer identification:"," the sponsor bank's program requires verifying each cardholder before a card is issued, and each business in a corporate program.",[33,311,312,315,316,321,322,326],{},[26,313,314],{},"Travel Rule:"," ",[52,317,320],{"href":318,"rel":319},"https:\u002F\u002Fwww.law.cornell.edu\u002Fcfr\u002Ftext\u002F31\u002F1010.410",[194],"31 CFR 1010.410(f)"," requires transmittal information for transfers of $3,000 or more. ",[52,323,325],{"href":324},"\u002Fresources\u002Fmore\u002Ftravel-rule-stablecoin-off-ramps","The Travel Rule for stablecoin off-ramps"," explains how it works on stablecoin flows.",[33,328,329,332,333,338],{},[26,330,331],{},"Sanctions:"," OFAC's ",[52,334,337],{"href":335,"rel":336},"https:\u002F\u002Fhome.treasury.gov\u002Fsystem\u002Ffiles\u002F126\u002Fvirtual_currency_guidance_brochure.pdf",[194],"guidance for the virtual currency industry"," sets out how firms in the space should build a sanctions compliance program, including screening.",[33,340,341,344,345,349],{},[26,342,343],{},"Licensing:"," firms holding or transmitting stablecoins may need money transmitter licenses by state. ",[52,346,348],{"href":347},"\u002Fresources\u002Fmore\u002Fstablecoin-payment-licenses-msb-mtl-vasp-emi","MSB vs money transmitter license vs VASP vs EMI"," sorts out which applies.",[58,351,353],{"id":352},"what-changes-for-users-versus-builders","What changes for users versus builders?",[11,355,356],{},"For users, little changes at the checkout. For builders, the choices are about settlement, custody, and the bank partner.",[95,358,359,372],{},[98,360,361],{},[101,362,363,366,369],{},[104,364,365],{},"Topic",[104,367,368],{},"What it means for users",[104,370,371],{},"What it means for builders",[114,373,374,385,396,407,418],{},[101,375,376,379,382],{},[119,377,378],{},"GENIUS Act",[119,380,381],{},"Clearer rules for the stablecoins behind the card",[119,383,384],{},"Pick stablecoins that a sponsor bank will accept",[101,386,387,390,393],{},[119,388,389],{},"Visa USDC settlement",[119,391,392],{},"Nothing visible at checkout",[119,394,395],{},"Less fiat buffer if your issuer supports it",[101,397,398,401,404],{},[119,399,400],{},"FDIC coverage",[119,402,403],{},"Stablecoin balance is not insured",[119,405,406],{},"Disclose this clearly in terms and onboarding",[101,408,409,412,415],{},[119,410,411],{},"Taxes",[119,413,414],{},"Purchases can be reportable disposals",[119,416,417],{},"Give users exportable transaction history",[101,419,420,423,426],{},[119,421,422],{},"Compliance",[119,424,425],{},"ID checks before the card is issued",[119,427,428],{},"Agree who runs KYC, sanctions, and monitoring",[58,430,432],{"id":431},"how-do-ach-and-rtp-payouts-fit-next-to-a-us-card-program","How do ACH and RTP payouts fit next to a US card program?",[11,434,435],{},"A card pays merchants. Rent, payroll, and transfers to a user's own bank need ACH, RTP, or wire. A US program that only offers a card leaves those payments unsolved.",[11,437,438,439,443],{},"BlindPay is the payout and funding layer for that gap. It converts USDC and USDT into dollars and pays out over ACH, RTP, and domestic wire, with RTP settling instantly and ACH in about 1 to 2 business days, per its ",[52,440,442],{"href":441},"\u002Fdocs\u002Fkb\u002Fpayment-methods","payment methods reference",". The same API pays out over Pix, SPEI, SEPA, and SWIFT (POBO\u002FCOBO) with UETR tracking and MT103 confirmations.",[11,445,446,447,451],{},"On the funding side, ",[52,448,450],{"href":449},"\u002Fdocs\u002Fvirtual-accounts","US virtual accounts"," give each customer a routing and account number. ACH, wire, and SWIFT deposits convert to USDC or USDT and land in the linked wallet. A live quote locks the rate and fees before stablecoins move, payouts need no pre-funding, and KYC, KYB, and sanctions screening run in the same API flow.",[58,453,455],{"id":454},"how-do-you-get-a-us-card-program-ready-to-launch","How do you get a US card program ready to launch?",[11,457,458],{},"Lock in the bank partner and the money flows before you design the card. Most delays come from bank review, not engineering.",[460,461,462,468,478,484,490,496],"ol",{},[33,463,464,467],{},[26,465,466],{},"Pick the custody model."," Custodial ledger or self-custodial smart account.",[33,469,470,315,473,477],{},[26,471,472],{},"Choose a platform and sponsor bank.",[52,474,476],{"href":475},"\u002Fresources\u002Fmore\u002Fhow-to-choose-a-stablecoin-card-issuing-provider","How to choose a stablecoin card issuing provider"," has an evaluation framework.",[33,479,480,483],{},[26,481,482],{},"Agree on settlement."," Fiat or USDC, and how much buffer the bank wants.",[33,485,486,489],{},[26,487,488],{},"Split compliance in writing."," KYC, KYB, sanctions, monitoring, and reporting.",[33,491,492,495],{},[26,493,494],{},"Plan funding and payouts."," How dollars come in, and how users reach a bank account.",[33,497,498,501],{},[26,499,500],{},"Write clear disclosures."," FDIC status, fees, and tax records.",[58,503,505],{"id":504},"what-is-the-next-step","What is the next step?",[11,507,508,509,513],{},"Map the payments your users make outside the card, then test them. Create a free ",[52,510,512],{"href":511},"\u002Fdocs\u002Fquickstart-payout","BlindPay development instance"," to run ACH and RTP payouts and virtual account deposits with test stablecoins while your card program goes through bank review.",[58,515,517],{"id":516},"sources","Sources",[30,519,520,526,532,538,544,550,556,562,568],{},[33,521,522],{},[52,523,525],{"href":192,"rel":524},[194],"GovInfo: Public Law 119-27, GENIUS Act (July 18, 2025)",[33,527,528],{},[52,529,531],{"href":199,"rel":530},[194],"White House: GENIUS Act fact sheet (July 18, 2025)",[33,533,534],{},[52,535,537],{"href":228,"rel":536},[194],"Visa: Visa Launches Stablecoin Settlement in the United States (December 16, 2025)",[33,539,540],{},[52,541,543],{"href":237,"rel":542},[194],"Visa: Adding Five Blockchains for Settlement (April 29, 2026)",[33,545,546],{},[52,547,549],{"href":260,"rel":548},[194],"FDIC: What the public needs to know about deposit insurance and crypto companies",[33,551,552],{},[52,553,555],{"href":280,"rel":554},[194],"IRS: Digital assets",[33,557,558],{},[52,559,561],{"href":318,"rel":560},[194],"31 CFR 1010.410, recordkeeping and Travel Rule",[33,563,564],{},[52,565,567],{"href":335,"rel":566},[194],"OFAC: Sanctions compliance guidance for the virtual currency industry (October 2021)",[33,569,570],{},[52,571,288],{"href":286,"rel":572},[194],{"title":574,"searchDepth":575,"depth":575,"links":576},"",2,[577,578,579,580,581,582,583,584,585,586,587],{"id":60,"depth":575,"text":61},{"id":182,"depth":575,"text":183},{"id":218,"depth":575,"text":219},{"id":250,"depth":575,"text":251},{"id":271,"depth":575,"text":272},{"id":297,"depth":575,"text":298},{"id":352,"depth":575,"text":353},{"id":431,"depth":575,"text":432},{"id":454,"depth":575,"text":455},{"id":504,"depth":575,"text":505},{"id":516,"depth":575,"text":517},"compliance","2026-10-04","How US stablecoin cards are structured and regulated: sponsor bank, program manager, processor, the GENIUS Act, Visa USDC settlement, FDIC coverage, tax.","md",[593,596,599,602,605],{"q":594,"a":595},"Are stablecoin cards legal in the United States?","Yes. US stablecoin cards run on the same structure as other prepaid and debit programs: a sponsor bank issues the card, a program manager runs it, and a processor approves transactions. The GENIUS Act, signed July 18, 2025, adds a federal framework for payment stablecoins themselves. Availability still depends on each provider and the states it serves.",{"q":597,"a":598},"What is a sponsor bank for a stablecoin card?","A sponsor bank is the chartered bank whose bank identification number the card runs on. It is the legal issuer, owns the compliance program, and answers to its bank regulator for every card on its BIN. Stablecoin card platforms and program managers operate under the sponsor bank's rules and oversight.",{"q":600,"a":601},"Does Visa settle stablecoin card transactions in USDC?","For some US partners, yes. On December 16, 2025, Visa launched USDC settlement in the US, with Cross River Bank and Lead Bank as initial participants settling over Solana, and broader availability planned through 2026. By April 29, 2026, Visa reported a $7 billion annualized stablecoin settlement run rate across nine blockchains.",{"q":603,"a":604},"Is money on a stablecoin card FDIC insured?","Generally no. The FDIC's crypto fact sheet says deposit insurance does not apply to crypto assets and does not protect against the failure of non-bank entities, including crypto custodians and exchanges. A stablecoin balance behind a card is not a bank deposit, even if a bank issues the card itself.",{"q":606,"a":607},"Is buying something with a stablecoin card taxable in the US?","It can be. The IRS treats digital assets as property, not currency, and lists exchanging them for property, goods, or services as a disposal that must be reported. Dollar stablecoins usually produce little or no gain, but each purchase can still need a record. This is not tax advice.",false,{"author":610},"BlindPay Team",true,"\u002Fresources\u002Fmore\u002Fstablecoin-cards-united-states-regulation","---\ntitle: \"Stablecoin cards in the United States: the GENIUS Act, sponsor banks, and Visa USDC settlement\"\nseoTitle: \"Stablecoin cards in the US: GENIUS Act and sponsor banks\"\ndescription: \"How US stablecoin cards are structured and regulated: sponsor bank, program manager, processor, the GENIUS Act, Visa USDC settlement, FDIC coverage, tax.\"\ndate: \"2026-10-04\"\ncategory: \"compliance\"\nauthor: \"BlindPay Team\"\nfaq:\n  - q: \"Are stablecoin cards legal in the United States?\"\n    a: \"Yes. US stablecoin cards run on the same structure as other prepaid and debit programs: a sponsor bank issues the card, a program manager runs it, and a processor approves transactions. The GENIUS Act, signed July 18, 2025, adds a federal framework for payment stablecoins themselves. Availability still depends on each provider and the states it serves.\"\n  - q: \"What is a sponsor bank for a stablecoin card?\"\n    a: \"A sponsor bank is the chartered bank whose bank identification number the card runs on. It is the legal issuer, owns the compliance program, and answers to its bank regulator for every card on its BIN. Stablecoin card platforms and program managers operate under the sponsor bank's rules and oversight.\"\n  - q: \"Does Visa settle stablecoin card transactions in USDC?\"\n    a: \"For some US partners, yes. On December 16, 2025, Visa launched USDC settlement in the US, with Cross River Bank and Lead Bank as initial participants settling over Solana, and broader availability planned through 2026. By April 29, 2026, Visa reported a $7 billion annualized stablecoin settlement run rate across nine blockchains.\"\n  - q: \"Is money on a stablecoin card FDIC insured?\"\n    a: \"Generally no. The FDIC's crypto fact sheet says deposit insurance does not apply to crypto assets and does not protect against the failure of non-bank entities, including crypto custodians and exchanges. A stablecoin balance behind a card is not a bank deposit, even if a bank issues the card itself.\"\n  - q: \"Is buying something with a stablecoin card taxable in the US?\"\n    a: \"It can be. The IRS treats digital assets as property, not currency, and lists exchanging them for property, goods, or services as a disposal that must be reported. Dollar stablecoins usually produce little or no gain, but each purchase can still need a record. This is not tax advice.\"\n---\n\nA US stablecoin card runs on the same structure as any prepaid or debit card: a sponsor bank issues it, a program manager runs it, and a processor approves each purchase. The GENIUS Act, signed July 18, 2025, adds federal rules for payment stablecoins. Visa now lets some US partners settle card activity in USDC.\n\nThat gives builders two separate rulebooks. Banking and card rules apply to the card. Stablecoin and money-transmission rules apply to the balance behind it. Users mostly feel the difference in two places: deposit insurance and taxes.\n\n*This page is general information, not legal or tax advice.*\n\n**Key takeaways**\n\n- The sponsor bank is the legal issuer and owns the compliance program for every card on its BIN.\n- The GENIUS Act became Public Law 119-27 on July 18, 2025, and sets a federal framework for payment stablecoin issuers.\n- Visa launched US USDC settlement on December 16, 2025 with Cross River Bank and Lead Bank, and reported a $7 billion annualized settlement run rate across nine blockchains by April 29, 2026.\n- The FDIC says deposit insurance does not apply to crypto assets, including stablecoin balances behind a card.\n- The IRS treats spending digital assets on goods and services as a disposal you report.\n\nFor how stablecoin cards work in general, start with [what stablecoin card issuing is](\u002Fresources\u002Fmore\u002Fwhat-is-stablecoin-card-issuing).\n\n## Who does what in a US stablecoin card program?\n\nFour parties run a US card program, and a fifth handles the stablecoin. The sponsor bank carries the most regulatory weight because every card runs on its BIN.\n\nQuick definitions:\n\n- **Sponsor bank (BIN sponsor):** the chartered bank that issues the card and is responsible for it to regulators and the network.\n- **Program manager:** the company that designs and operates the program under the sponsor bank's policies.\n- **Processor:** the system that receives authorization requests and approves or declines them in real time.\n- **Stablecoin provider:** the firm that holds, converts, or transfers the stablecoin balance, licensed for money transmission where required.\n\n| Party | Main job | Who oversees it |\n| --- | --- | --- |\n| Card network (Visa, Mastercard) | Routes transactions, sets program and dispute rules | Its own rules, enforced on members |\n| Sponsor bank | Legal issuer, owns the compliance program | Federal or state bank regulator |\n| Program manager | Onboarding, limits, support, reporting | The sponsor bank, by contract |\n| Processor | Authorizations, card controls, audit logs | The sponsor bank and network |\n| Stablecoin provider | Holds or converts the stablecoin | Money transmission and stablecoin rules |\n\nIn a self-custodial program, the stablecoin stays in the user's own smart account, so the last row changes. The card side does not. [Stablecoin card issuing compliance](\u002Fresources\u002Fmore\u002Fstablecoin-card-issuing-compliance) lists each party's duties in more detail.\n\n## What does the GENIUS Act change for stablecoin cards?\n\nThe GENIUS Act creates a federal framework for payment stablecoins and the companies that issue them. It does not create a new card license. Card programs keep running under banking and network rules.\n\nPresident Trump signed the act on July 18, 2025, and it became [Public Law 119-27](https:\u002F\u002Fwww.govinfo.gov\u002Fcontent\u002Fpkg\u002FPLAW-119publ27\u002Fhtml\u002FPLAW-119publ27.htm). The [White House fact sheet](https:\u002F\u002Fwww.whitehouse.gov\u002Ffact-sheets\u002F2025\u002F07\u002Ffact-sheet-president-donald-j-trump-signs-genius-act-into-law\u002F) summarizes what the law covers.\n\nFor a card program, the practical effect is on which stablecoins the balance can hold. A sponsor bank will ask which stablecoin the program spends from and who issued it, and the federal framework gives both sides a common reference point for that question. The [GENIUS Act explained for businesses](\u002Fresources\u002Fmore\u002Fgenius-act-for-businesses) covers issuer rules, and [what the GENIUS Act means for USDT](\u002Fresources\u002Fmore\u002Fgenius-act-usdt-foreign-stablecoin-issuers) covers foreign-issued stablecoins.\n\n## How does Visa's USDC settlement work in the US?\n\nVisa now lets some US issuers settle card activity with Visa in USDC instead of converting to dollars first. The cardholder and the merchant see no difference. The change is in how the issuer pays the network.\n\nOn [December 16, 2025](https:\u002F\u002Fusa.visa.com\u002Fabout-visa\u002Fnewsroom\u002Fpress-releases.releaseId.21951.html), Visa launched stablecoin settlement in the United States. Cross River Bank and Lead Bank were the initial banking participants, settling with Visa in USDC over Solana, and Visa said broader US availability was planned through 2026. At the time, Visa reported a $3.5 billion annualized stablecoin settlement run rate as of November 30, 2025.\n\nBy [April 29, 2026](https:\u002F\u002Fcorporate.visa.com\u002Fen\u002Fsites\u002Fvisa-perspectives\u002Fnewsroom\u002Fvisa-expands-stablecoin-settlement-adds-five-blockchains.html), the settlement pilot supported nine blockchains and had reached a $7 billion annualized run rate, up 50% from the prior quarter. That is settlement volume, not card spend. Do not add it to card volume figures.\n\nThe step-by-step path of one purchase, from authorization to merchant payout, is in [how stablecoin card transactions settle](\u002Fresources\u002Fmore\u002Fhow-stablecoin-card-transactions-settle).\n\n## Is a stablecoin card balance FDIC insured?\n\nGenerally no. The card may be issued by an FDIC-insured bank, but the stablecoin balance behind it is not a bank deposit.\n\nThe [FDIC's crypto fact sheet](https:\u002F\u002Fwww.fdic.gov\u002Fnews\u002Ffact-sheets\u002Fcrypto-fact-sheet-7-28-22.html) says deposit insurance does not apply to crypto assets and does not protect against the default, insolvency, or bankruptcy of non-bank entities, including crypto custodians and exchanges. Read the program terms to see who holds your stablecoins and what happens if that company fails. [Are stablecoin cards safe?](\u002Fresources\u002Fmore\u002Fare-stablecoin-cards-safe) walks through the risks.\n\n## How are US stablecoin card purchases taxed?\n\nThe IRS treats digital assets as property, so spending them can be a reportable disposal. Dollar stablecoins usually produce tiny gains, but each purchase may still need a record.\n\nThe [IRS digital assets page](https:\u002F\u002Fwww.irs.gov\u002Ffiling\u002Fdigital-assets) says digital assets are property, not currency, and lists exchanging them \"for property, goods or services in any amount\" among the transactions covered. Form 1040, 1040-SR, and 1040-NR each ask a yes or no question about digital assets. Some exchange-linked cards, such as the [Coinbase Card](https:\u002F\u002Fwww.coinbase.com\u002Fcard), spend from a Coinbase balance and convert at the time of purchase, which is the disposal point. [Are stablecoin card purchases taxable?](\u002Fresources\u002Fmore\u002Fare-stablecoin-card-purchases-taxable) has a record-keeping checklist.\n\n## Which compliance rules apply to a US program?\n\nCard rules require identifying every cardholder, and stablecoin transfers add sanctions and Travel Rule duties. Both apply at once.\n\n- **Customer identification:** the sponsor bank's program requires verifying each cardholder before a card is issued, and each business in a corporate program.\n- **Travel Rule:** [31 CFR 1010.410(f)](https:\u002F\u002Fwww.law.cornell.edu\u002Fcfr\u002Ftext\u002F31\u002F1010.410) requires transmittal information for transfers of $3,000 or more. [The Travel Rule for stablecoin off-ramps](\u002Fresources\u002Fmore\u002Ftravel-rule-stablecoin-off-ramps) explains how it works on stablecoin flows.\n- **Sanctions:** OFAC's [guidance for the virtual currency industry](https:\u002F\u002Fhome.treasury.gov\u002Fsystem\u002Ffiles\u002F126\u002Fvirtual_currency_guidance_brochure.pdf) sets out how firms in the space should build a sanctions compliance program, including screening.\n- **Licensing:** firms holding or transmitting stablecoins may need money transmitter licenses by state. [MSB vs money transmitter license vs VASP vs EMI](\u002Fresources\u002Fmore\u002Fstablecoin-payment-licenses-msb-mtl-vasp-emi) sorts out which applies.\n\n## What changes for users versus builders?\n\nFor users, little changes at the checkout. For builders, the choices are about settlement, custody, and the bank partner.\n\n| Topic | What it means for users | What it means for builders |\n| --- | --- | --- |\n| GENIUS Act | Clearer rules for the stablecoins behind the card | Pick stablecoins that a sponsor bank will accept |\n| Visa USDC settlement | Nothing visible at checkout | Less fiat buffer if your issuer supports it |\n| FDIC coverage | Stablecoin balance is not insured | Disclose this clearly in terms and onboarding |\n| Taxes | Purchases can be reportable disposals | Give users exportable transaction history |\n| Compliance | ID checks before the card is issued | Agree who runs KYC, sanctions, and monitoring |\n\n## How do ACH and RTP payouts fit next to a US card program?\n\nA card pays merchants. Rent, payroll, and transfers to a user's own bank need ACH, RTP, or wire. A US program that only offers a card leaves those payments unsolved.\n\nBlindPay is the payout and funding layer for that gap. It converts USDC and USDT into dollars and pays out over ACH, RTP, and domestic wire, with RTP settling instantly and ACH in about 1 to 2 business days, per its [payment methods reference](\u002Fdocs\u002Fkb\u002Fpayment-methods). The same API pays out over Pix, SPEI, SEPA, and SWIFT (POBO\u002FCOBO) with UETR tracking and MT103 confirmations.\n\nOn the funding side, [US virtual accounts](\u002Fdocs\u002Fvirtual-accounts) give each customer a routing and account number. ACH, wire, and SWIFT deposits convert to USDC or USDT and land in the linked wallet. A live quote locks the rate and fees before stablecoins move, payouts need no pre-funding, and KYC, KYB, and sanctions screening run in the same API flow.\n\n## How do you get a US card program ready to launch?\n\nLock in the bank partner and the money flows before you design the card. Most delays come from bank review, not engineering.\n\n1. **Pick the custody model.** Custodial ledger or self-custodial smart account.\n2. **Choose a platform and sponsor bank.** [How to choose a stablecoin card issuing provider](\u002Fresources\u002Fmore\u002Fhow-to-choose-a-stablecoin-card-issuing-provider) has an evaluation framework.\n3. **Agree on settlement.** Fiat or USDC, and how much buffer the bank wants.\n4. **Split compliance in writing.** KYC, KYB, sanctions, monitoring, and reporting.\n5. **Plan funding and payouts.** How dollars come in, and how users reach a bank account.\n6. **Write clear disclosures.** FDIC status, fees, and tax records.\n\n## What is the next step?\n\nMap the payments your users make outside the card, then test them. Create a free [BlindPay development instance](\u002Fdocs\u002Fquickstart-payout) to run ACH and RTP payouts and virtual account deposits with test stablecoins while your card program goes through bank review.\n\n## Sources\n\n- [GovInfo: Public Law 119-27, GENIUS Act (July 18, 2025)](https:\u002F\u002Fwww.govinfo.gov\u002Fcontent\u002Fpkg\u002FPLAW-119publ27\u002Fhtml\u002FPLAW-119publ27.htm)\n- [White House: GENIUS Act fact sheet (July 18, 2025)](https:\u002F\u002Fwww.whitehouse.gov\u002Ffact-sheets\u002F2025\u002F07\u002Ffact-sheet-president-donald-j-trump-signs-genius-act-into-law\u002F)\n- [Visa: Visa Launches Stablecoin Settlement in the United States (December 16, 2025)](https:\u002F\u002Fusa.visa.com\u002Fabout-visa\u002Fnewsroom\u002Fpress-releases.releaseId.21951.html)\n- [Visa: Adding Five Blockchains for Settlement (April 29, 2026)](https:\u002F\u002Fcorporate.visa.com\u002Fen\u002Fsites\u002Fvisa-perspectives\u002Fnewsroom\u002Fvisa-expands-stablecoin-settlement-adds-five-blockchains.html)\n- [FDIC: What the public needs to know about deposit insurance and crypto companies](https:\u002F\u002Fwww.fdic.gov\u002Fnews\u002Ffact-sheets\u002Fcrypto-fact-sheet-7-28-22.html)\n- [IRS: Digital assets](https:\u002F\u002Fwww.irs.gov\u002Ffiling\u002Fdigital-assets)\n- [31 CFR 1010.410, recordkeeping and Travel Rule](https:\u002F\u002Fwww.law.cornell.edu\u002Fcfr\u002Ftext\u002F31\u002F1010.410)\n- [OFAC: Sanctions compliance guidance for the virtual currency industry (October 2021)](https:\u002F\u002Fhome.treasury.gov\u002Fsystem\u002Ffiles\u002F126\u002Fvirtual_currency_guidance_brochure.pdf)\n- [Coinbase Card](https:\u002F\u002Fwww.coinbase.com\u002Fcard)\n",{"title":5,"description":590},"Stablecoin cards in the US: GENIUS Act and sponsor banks","resources\u002Fmore\u002Fstablecoin-cards-united-states-regulation","IrbZVr3X5WGWY9UGumlABVNzy6Z1Q3uEjl5c9EksWIk",[619,623,627,630,634,638,642,646,650,654,658,662,666,670,674,678,682,686,690,693,697,701,705,709,713,716,720,721,725,729,732,736,740,744,748,752,756,760,764,768,771,774,778],{"path":620,"title":621,"description":622},"\u002Fresources\u002Fmore\u002Faml-audit-readiness-risk-monitoring","AML audit readiness: what regulators ask for and how to prove your risk monitoring works","The evidence examiners expect from automated risk monitoring: a 10-item evidence table, good vs poor practice, SAR timelines, RFIs, and a 30-day plan.",{"path":624,"title":625,"description":626},"\u002Fresources\u002Fmore\u002Fare-blockchain-payments-legal","Are blockchain payments legal? Rules in the US, EU, UK, Brazil, and Mexico","Blockchain payments are legal for businesses in the US, EU, UK, Brazil, and Mexico, under different rules. What each country regulates, as of October 2026.",{"path":292,"title":628,"description":629},"Are stablecoin card purchases taxable? A country-by-country overview of disposals, gains, and records","Why a stablecoin card purchase can be a taxable disposal, how the US, UK, Germany, Spain, the Netherlands, and Brazil differ, and which records to keep.",{"path":631,"title":632,"description":633},"\u002Fresources\u002Fmore\u002Fare-stablecoin-payments-reversible","Are stablecoin payments reversible? Finality, custody, and fraud explained","Stablecoin transfers settle final in minutes and cannot be reversed. That finality proves custody at every step, but it also opens a fraud gap on the fiat side of the payment.",{"path":635,"title":636,"description":637},"\u002Fresources\u002Fmore\u002Fautomated-kyc-kyb-vs-manual-onboarding","Automated KYC\u002FKYB vs. manual onboarding: what actually changes","A side-by-side comparison of automated and manual KYC\u002FKYB for fintechs: onboarding time, false-positive rates, cost per verification, scaling across jurisdictions, and audit-trail quality, plus the cases where a human reviewer is still required.",{"path":639,"title":640,"description":641},"\u002Fresources\u002Fmore\u002Fbrazil-self-custody-wallet-declaration","Brazil's self-custody wallet rule: COAF reporting for transfers of US$10,000 or more","Since October 1, 2026, Brazil requires reports to COAF on transfers of US$10,000+ to or from self-custodied wallets. What counts, who reports, what to do.",{"path":643,"title":644,"description":645},"\u002Fresources\u002Fmore\u002Fbuild-vs-buy-automated-risk-monitoring","Build vs. buy automated risk monitoring: a decision framework and 15 provider questions","Build, buy point solutions, or use an integrated provider? Compare three ways to run automated risk monitoring, who stays responsible, and 15 questions.",{"path":647,"title":648,"description":649},"\u002Fresources\u002Fmore\u002Fcompliance-agents-cross-border-stablecoin-payments","Compliance agents for cross-border stablecoin payments: a global regulatory guide","How compliance agents apply FinCEN, MiCA, FCA, MAS, and Banco Central do Brasil rules to cross-border stablecoin payments: jurisdiction table, the FATF Travel Rule, multi-list sanctions screening, the four components of a compliant program, and questions to ask a compliance provider.",{"path":651,"title":652,"description":653},"\u002Fresources\u002Fmore\u002Fcross-border-stablecoin-card-compliance-by-country","Compliance for cross-border stablecoin card programs: a country readiness template","A country readiness template for stablecoin card programs: onboarding rules, funding rails, and payout rails for the US, LatAm, and the EU.",{"path":655,"title":656,"description":657},"\u002Fresources\u002Fmore\u002Fcrypto-wallet-compliance-checklist","Crypto wallet compliance checklist: KYC, KYT, and Travel Rule","The compliance that comes with crypto wallets and stablecoin payments: KYC and KYB, KYT, the Travel Rule, address screening, MSB rules, and 15 checks.",{"path":659,"title":660,"description":661},"\u002Fresources\u002Fmore\u002Fdirect-vs-indirect-stablecoin-exchange","Direct vs indirect stablecoin exchange: who holds the stablecoin, and who carries compliance","In direct exchange, both parties hold stablecoins and own compliance. In indirect exchange, a provider settles in stablecoins behind a normal bank payment.",{"path":663,"title":664,"description":665},"\u002Fresources\u002Fmore\u002Fdo-merchants-need-a-license-to-accept-stablecoins","Do merchants need a license to accept stablecoin payments? KYC, KYB, and compliance explained","Usually no: the license sits with the provider that moves the funds. What merchants still owe on KYB, sanctions, tax, and records in the US, EU, Brazil.",{"path":667,"title":668,"description":669},"\u002Fresources\u002Fmore\u002Fdo-stablecoin-cards-require-kyc","Do stablecoin cards require KYC? What to expect, what gets checked, and why \"no KYC\" cards fall short","Why stablecoin cards ask for ID even with a permissionless wallet, what KYC and KYB collect, why no-KYC cards fall short, and how to fix a rejection.",{"path":671,"title":672,"description":673},"\u002Fresources\u002Fmore\u002Fgenius-act-timeline-key-dates","GENIUS Act and MiCA timeline: the key dates for stablecoin payment teams","Every GENIUS Act and MiCA date that matters to a stablecoin payment flow, how the US effective date is calculated, and what to finish before each deadline.",{"path":675,"title":676,"description":677},"\u002Fresources\u002Fmore\u002Fhow-to-automate-kyc-kyb-stablecoin-payments","How to automate KYC and KYB for stablecoin payments","A developer guide to automated KYC and KYB for stablecoin payment flows: how verification runs inside a payment API, step-by-step workflows for individuals and businesses, jurisdiction requirements for the US, EU, UK, Singapore, and Brazil, and what to check before settlement.",{"path":679,"title":680,"description":681},"\u002Fresources\u002Fmore\u002Fhow-to-choose-automated-risk-monitoring-vendor","How to choose an automated risk monitoring vendor for a fintech startup","A buyer's guide to automated risk monitoring vendors for early-stage fintechs: the five criteria that matter (regulatory coverage, integration effort, false-positive rate, pricing model, audit output), the question to ask a vendor on each, a checklist table, and what it costs.",{"path":683,"title":684,"description":685},"\u002Fresources\u002Fmore\u002Freduce-false-positives-transaction-monitoring","How to reduce false positives in transaction monitoring without missing real risk","Cut AML alert noise without losing real cases: a 7-step tuning process, the levers that work, the metrics to watch, and what automation should never close.",{"path":687,"title":688,"description":689},"\u002Fresources\u002Fmore\u002Fhow-wallet-screening-works-stablecoin-payments","How wallet screening works in stablecoin payments: exposure, risk scores, and frozen addresses","How wallet screening works: OFAC-listed addresses, direct and indirect exposure, risk scores, issuer freezes, and what to do when an address is flagged.",{"path":347,"title":691,"description":692},"MSB vs money transmitter license vs VASP vs EMI: which license does a stablecoin payment flow need?","MSB registration, state money transmitter licenses, VASP, EMI, and PSAV compared: who needs each, what triggers it, and when your provider covers you.",{"path":694,"title":695,"description":696},"\u002Fresources\u002Fmore\u002Fmica-stablecoin-rules-explained","MiCA stablecoin rules explained for payment companies","What MiCA means if your business uses stablecoins in the EU: EMTs vs ARTs, issuer requirements, why USDC is compliant and USDT was delisted, and a practical checklist.",{"path":698,"title":699,"description":700},"\u002Fresources\u002Fmore\u002Fongoing-sanctions-screening-how-often-to-rescreen","Ongoing sanctions screening: how often to rescreen and what to screen","How often to rescreen customers against sanctions lists, what to screen beyond names, and a cadence that holds up under OFAC strict liability.",{"path":702,"title":703,"description":704},"\u002Fresources\u002Fmore\u002Fpsav-brazil-explained","PSAV in Brazil: the Central Bank's virtual asset license explained","PSAV is Brazil's authorization for virtual asset service providers, created by BCB Resolutions 519, 520, and 521 under Law 14.478\u002F2022. What it requires and who needs it.",{"path":706,"title":707,"description":708},"\u002Fresources\u002Fmore\u002Freal-time-transaction-monitoring-stablecoin-payments","Real-time transaction monitoring for cross-border stablecoin payments","Why stablecoin cross-border flows need different monitoring than wires: the signals that get scored (wallet address risk, velocity, corridor risk, on\u002Foff-ramp counterparties), real-time vs. batch monitoring, and a worked example of a flagged pattern from alert to decision.",{"path":710,"title":711,"description":712},"\u002Fresources\u002Fmore\u002Fstablecoin-card-and-payout-compliance-map","Stablecoin card and payout compliance map: who owns KYC, KYB, sanctions, and the Travel Rule","A compliance map for programs that run stablecoin cards and payouts together: KYC, KYB, monitoring, sanctions, Travel Rule, and records, split by owner.",{"path":177,"title":714,"description":715},"Stablecoin card issuing compliance: KYC, KYB, and regulatory coverage explained","What compliance stablecoin card issuing requires: KYC vs. KYB, who is responsible for what, how rules differ in the US, EU, UK, and Latin America, and ongoing monitoring.",{"path":717,"title":718,"description":719},"\u002Fresources\u002Fmore\u002Fstablecoin-cards-europe-mica","Stablecoin cards in Europe: MiCA, euro stablecoins, and what licensing means for cardholders and card programs","How MiCA applies to stablecoin cards in Europe: who needs authorization, how to check a provider on the ESMA register, euro vs dollar stablecoins, SEPA.",{"path":612,"title":5,"description":590},{"path":722,"title":723,"description":724},"\u002Fresources\u002Fmore\u002Fstablecoin-off-ramp-limits","Stablecoin off-ramp limits: per-transaction, daily, and monthly caps explained","Why off-ramps cap how much you can convert per transaction, day, and month, how the caps map to KYC and KYB tiers, and the documents that raise them.",{"path":726,"title":727,"description":728},"\u002Fresources\u002Fmore\u002Fstablecoin-regulation-tracker-2026","Stablecoin regulation in 2026: MiCA, the GENIUS Act, Brazil, and Japan","Where stablecoin regulation stands in 2026: MiCA in the EU, the GENIUS Act in the US, Brazil's VASP regime, and Japan's issuer rules, compared for payment businesses.",{"path":208,"title":730,"description":731},"The GENIUS Act explained for businesses that use stablecoins","What the GENIUS Act means if your business sends, receives, or holds stablecoins: who it regulates, the dates that matter, and what to do before 2027.",{"path":733,"title":734,"description":735},"\u002Fresources\u002Fmore\u002Ftravel-rule-workflow-hold-return-reject","The Travel Rule in an automated workflow: what to collect, when to hold, when to return","How to automate Travel Rule compliance for stablecoin transfers: what data to collect, the checks before release, and when to hold, reject, or return.",{"path":737,"title":738,"description":739},"\u002Fresources\u002Fmore\u002Ftransaction-monitoring-red-flags-stablecoin-payments","Transaction monitoring red flags for stablecoin payments: 12 rules to automate","The 12 red flags automated transaction monitoring should catch in stablecoin and cross-border payments, with rule logic, actions, and the data each needs.",{"path":741,"title":742,"description":743},"\u002Fresources\u002Fmore\u002Fverification-of-payee-instant-payments","Verification of payee in instant payments: how rails check the recipient before money moves","How EU Verification of Payee, UK Confirmation of Payee, Pix, SPEI, and US payee name checks confirm the recipient before an instant payment becomes final.",{"path":745,"title":746,"description":747},"\u002Fresources\u002Fmore\u002Fvirtual-account-requirements-kyc-kyb","Virtual account requirements: KYC, KYB, and what the bank reviews before it says yes","What you need to open a virtual account: KYC or KYB, the extra fields and source of funds documents the bank reviews, who owns each step, and timelines.",{"path":749,"title":750,"description":751},"\u002Fresources\u002Fmore\u002Fwhat-are-compliance-agents-in-fintech","What are compliance agents in fintech? How they work and what they do for payments","Compliance agents are autonomous software components that run KYC, KYB, sanctions screening, and transaction monitoring inside a payment flow, then document every decision. How they work, what they do for payments, how they differ from traditional compliance software, and how BlindPay embeds them in its API.",{"path":753,"title":754,"description":755},"\u002Fresources\u002Fmore\u002Fwhat-happens-if-a-stablecoin-payment-provider-fails","What happens to your money if a stablecoin payment provider fails?","Issuer, provider, or bank: who fails decides what you get back. What the GENIUS Act and state law protect, where money sits mid-payment, and a runbook.",{"path":757,"title":758,"description":759},"\u002Fresources\u002Fmore\u002Fwhat-is-kyb","What is KYB? Know Your Business verification explained","KYB verifies a company's legal existence, ownership, and control before it can transact. What it checks, who counts as a beneficial owner, and how it differs from KYC.",{"path":761,"title":762,"description":763},"\u002Fresources\u002Fmore\u002Fwhat-is-a-vasp","What is a VASP? Virtual asset service provider explained","A VASP is any business that exchanges, transfers, or custodies virtual assets like stablecoins for customers. FATF's definition and what it requires in practice.",{"path":765,"title":766,"description":767},"\u002Fresources\u002Fmore\u002Fwhat-is-automated-risk-monitoring-fintech","What is automated risk monitoring in fintech?","A reference explainer on automated risk monitoring for fintechs: the four components (KYC\u002FKYB, transaction monitoring, sanctions and watchlist screening, compliance automation), what each one flags, a manual vs. automated comparison, and what FinCEN, FATF, and OFAC actually require.",{"path":324,"title":769,"description":770},"What is the travel rule for stablecoin off-ramps? Thresholds, data, and failed checks","The travel rule makes off-ramps pass sender and receiver data with transfers. Thresholds by country, required data, and what happens when checks fail.",{"path":213,"title":772,"description":773},"What the GENIUS Act means for USDT and other foreign-issued stablecoins","Can USDT stay available in the US under the GENIUS Act? The foreign issuer path, the 2027 and 2028 deadlines, and what payment companies should ask now.",{"path":775,"title":776,"description":777},"\u002Fresources\u002Fmore\u002Fcrypto-on-ramp-compliance-who-owns-what","Who owns compliance when you integrate a crypto on-ramp API? KYC, KYB, KYT, and holds","An on-ramp API splits compliance between the provider and you. Who runs KYC, KYB, KYT, sanctions, and the travel rule, and what stays on your side.",{"path":779,"title":780,"description":781},"\u002Fresources\u002Fmore\u002Fsource-of-funds-crypto-off-ramps","Why do crypto off-ramps ask for source of funds? Documents, triggers, and on-chain proof","Why off-ramps ask where your stablecoins came from, how source of funds differs from source of wealth, what triggers a request, and which documents pass.",1791908488003]