Your USD value is held 1:1 in stablecoin in your own self-custodial wallet. SmashPay never holds it, so it cannot be loaned or rehypothecated.

You never touch a stablecoin wallet, seed phrase, or blockchain directly. Sign up with a phone number. Stablecoin is the payment rail underneath — the way ACH is the rail under a Venmo payment.

Why not just use Wise?

Wise is built for one-shot sends. SmashPay is built to hold and operate in USD over time. Your money lives here between payments.

Where is SmashPay available?

SmashPay is available across the US except New York, and sends to Vietnam, Indonesia, Thailand, the Philippines, Mexico and the UAE. See our Licensing and Availability page for the current list.

Thespendlayer

CRYPTOCARD

Issued by a licensed card issuer

Hold stablecoins and spend at most merchants. Some categories are blocked, including fuel stations, gambling, crypto exchanges and food delivery. Balances convert just-in-time at authorization, with no pre-conversion.

The card does not work at every merchant. fuel stations, gambling and betting, crypto exchanges, food delivery, gift-card and prepaid resellers, and adult content are blocked. The full list is maintained by the card programme and can change.

HOW IT WORKS

Stablecoin in. Spend out.

Four steps from wallet balance to a tap at the till. Conversion happens at the moment of purchase, so you always spend at live rates.

Fund in stablecoin

Top up your SmashX card with USDC or USDE right from your SmashPay wallet.

Convert at authorization

No pre-conversion needed. We convert your stablecoin into fiat only at the exact moment you swipe.

Tap, pay, or pay online

Use your virtual or physical card online and in person. Acceptance follows the card network, less the blocked merchant categories.

Earn rewards in-wallet

Eligible tiers earn cash back directly into their SmashPay wallet on every transaction.

HOW YOU GET

Built to spend. Built to comply.

Four steps from wallet balance to a tap at the till. Conversion happens at the moment of purchase, so you always spend at live rates.

Stablecoin-Funded Spend

Balances convert just-in-time at authorization — spend online and in-store, at merchants the card programme permits.

Tap + pay and earn rewards

Tap to pay with NFC. And grow your available balance directly in-wallet on eligible spend.

Virtual + Physical

Instant virtual issuance, physical cards, and NFC (mobile wallet) provisioning out of the box.

Compliance Built-in

KYC / KYB by Sumsub. AML / BSA program. FinCEN MSB registration.

Limited allocation

Founders 500

The first 500 SmashX cards, individually numbered. Released across our two launch moments. Once they're claimed, the program closes.

✓Sequentially numbered Founders card (#001–#500)

✓Priority KYC and first-batch physical issuance

✓Elevated launch rewards tier on eligible spend

✓Founders-only updates ahead of public launch

Join the whitelist

Reserve your place for a Founders 500 card. Whitelisting holds your spot — card issuance is subject to KYC approval.