Documentation

KernPay issues virtual Visa cards funded with crypto. No KYC, no paperwork, no approval queue. Pick a balance, send a stablecoin deposit, and your card is ready in minutes, ready to spend online and through Apple Pay and Google Pay.

A card is a self-contained spending instrument. You fund it once at issuance; the balance is available for payments the moment the deposit confirms. There is no account to maintain and nothing tied to your legal identity.

Issuing a card takes four steps and under two minutes:

1. Open the card modal from anywhere on the site with the Get card button.
2. Choose a card balance and the token you want to pay with.
3. Enter the email where your card details will be delivered.
4. Send the exact deposit amount to the address shown. Your card is issued on confirmation.

You do not need a wallet app from us, a browser extension, or a sign-up. Any wallet that can send USDT or USDC on a supported network is enough.

Every order generates a unique deposit address and an exact amount to send. The exact amount is how we match your incoming transfer to your order, so send the amount shown down to the last decimal.

Once the network confirms your transfer, the card is created automatically with your requested balance. You will receive the card details at the email you provided.

Cards are funded with stablecoins. The following token and network combinations are supported:

Holding a different asset? Use the built-in Swap to convert it into a supported stablecoin first, then fund your card.

Pricing is flat and shown in full before you pay. There are no hidden or recurring charges.

Example: a card with a $50 balance costs $50 + $19 issue fee + $2.50 processing (5%), for a total deposit of about $71.50. The exact figure is always displayed on the payment step.

Your KernPay card is a virtual Visa. It works anywhere Visa is accepted online, and adds to Apple Pay and Google Pay for in-store and in-app payments.

• Online checkout at any merchant that takes Visa.
• Subscriptions, ads, SaaS, and digital services.
• Apple Pay and Google Pay once the card is added to your wallet.

The balance is fixed at issuance. When it is spent, simply issue a new card for your next balance.

The Swap tool converts between assets so you can arrive at a supported stablecoin before funding a card. It routes across multiple liquidity sources and shows the rate and fees before you confirm.

Send the asset you hold, receive the token you need, then use it to fund your card in the same session.

KernPay is built for private spending. There is no identity verification, no document upload, and nothing linking a card to your name.

• No KYC and no account required to issue a card.
• Each order uses a fresh, single-use deposit address.
• Card details are delivered only to the email you choose at issuance.

KernPay exposes an API for partners who want to issue and fund cards programmatically, on top of their own product or bot. It covers user creation, deposit calculation, card issuance, recharge, and OTP retrieval.

Access is issued per integration. Requests authenticate with a bearer token, and every response follows a consistent success or error envelope.

POST /users            create a user
POST /users/:id/cards  issue a card from balance
POST /deposit/calc     get a deposit address + exact amount
GET  /users/:id/cards  list a user's cards

Want a key? Reach out at team@kernpay.xyz.