Fintech Innovation

Fintech Innovation is a card-issuance-as-a-service (Ciaas) provider specialising in white-label card programs for financial institutions, EMIs, Forex brokers, neo-banks and fintech startups. With 40+ delivered card projects, a 12-week average go-live timeline, a dedicated Relationship Manager per client and worldwide issuing with no jurisdiction restrictions (other than blacklisted countries), Fintech Innovation is the "rails" provider behind cards launched under many brand names — including several that sit elsewhere in this directory.

What Fintech Innovation Actually Offers

Fintech Innovation is listed in the Crypto Cards directory because its Fiat & Crypto Card Program is the platform many businesses use to launch crypto-funded cards quickly and compliantly. They provide end-to-end issuance infrastructure across four program types:

• Prepaid Debit Card Programs — classic consumer and B2B payout cards; ideal for employee payments, reimbursements, incentive / rewards programs and corporate spending
• Secured Credit Card Program — the "International Hybrid Credit Card", a secured credit card backed by a cash deposit from the cardholder — add funds to increase your available credit line or preload the card
• Fiat & Crypto Cards — supports funding via bank transfer, blockchain or wallet; combines crypto on-ramps with traditional card rails
• Co-Branded Cards — partner with brands to launch fully white-labelled cards issued under the partner's logo (co-branding)

Why a Crypto Cards Directory Includes This Entry

Fintech Innovation provides the backend for many of the "crypto cards" people see on shelves today. Cards launched by Forex brokers, exchanges, scrap-issuing wallets and neobanks typically sit on similar white-label issuing infrastructure — and Fintech Innovation's combined "IBAN + Open Loop Secured Credit Card + crypto-on-ramp" platform is a popular pick precisely because their credit-BIN structure enables worldwide issuance including jurisdictions where pure EMI-issued prepaid cards run into local regulatory friction.

Custody & Regulation

Fintech Innovation itself is a programme manager / issuance partner — it is not the bank or EMI of record on each card. Card programs are run through an issuing bank partner that Fintech Innovation onboards as part of the program. Fintech Innovation's team handles KYC/AML vendor integration, BIN assignment, scheme connectivity, card production, dispute management and operational support. Custody of funds on each card sits with the issuing-partner bank / EMI, with cardholder deposits held under regulated financial-services rules in the relevant jurisdiction.

Verdict

Fintech Innovation is a Tier-3 / specialist entry in our Crypto Cards directory — it is an infrastructure / white-label provider rather than a directly consumer-facing crypto card. Users looking for a card to spend their crypto at retail shops cannot open a "Fintech Innovation Card" directly; instead, consumers may already be holding a card that runs on Fintech Innovation's rails. For businesses in the market to launch a crypto card program, Fintech Innovation's 12-week deployment, worldwide issuing reach and combined prepaid + secured-credit + crypto card offering makes them one of the strongest B2B issuance partners available in 2026.

Fintech Innovation differs from the consumer-facing entries in this directory — it is a B2B / white-label issuer, so features here are evaluated from the perspective of the partner brand and indirectly of the end-user.

End-to-End Card Program Lifecycle Management

From scheme application and BIN assignment to card production, mailing, dispute management and ongoing operations — Fintech Innovation handles the full card lifecycle on behalf of partner brands.

4 Card Program Types

• Prepaid Debit Card Programs
• Secured Credit Card Program (the "International Hybrid Credit Card")
• Fiat & Crypto Cards
• Co-Branded Cards

Prepaid Debit Programs

Custom and turnkey solutions for consumer and commercial payments; used heavily for employee payroll, reimbursements, incentive / rewards programs and corporate spending. Prepaid debit is simpler to deploy than credit, with no credit-check requirement on cardholders.

Secured Credit Card — the "International Hybrid Credit Card"

The flagship product — a hybrid credit card backed by a cash deposit from the cardholder. The cardholder can add funds to increase their available credit, or simply load additional funds onto the card for prepaid spend. Combines features of a prepaid card with those of a secured credit line — unusual hybrid structure especially useful for thin-file users building credit.

Worldwide Issuing via Credit BIN

Fintech Innovation's credit-BIN approach enables issuing across jurisdictions worldwide with limited geo-restrictions — unlike prepaid debit which often runs into jurisdictional friction. The only excluded markets are blacklisted countries.

Fiat & Crypto Co-Exist

Cards can be funded via bank transfer (fiat) or via crypto top-up — and can spend across both fiat rails (Visa / Mastercard) and crypto-native rails, depending on program configuration.

12-Week Time-to-Market

Card programs go from kickoff to live in 12 weeks on average. Clients get a dedicated Risk Manager and Relationship Manager throughout the engagement to handle scheme onboarding, KYC / AML vendor setup, card production, marketing and rollout.

Dedicated Relationship Manager

Every Fintech Innovation client gets a senior Relationship Manager who owns the project end-to-end — including coordination with the issuing-bank partner, scheme connectivity setup and card-production logistics.

40+ Delivered Card Projects

Fintech Innovation has successfully completed card projects for Forex companies, EMIs and banks — that institutional reference list makes them one of the more reputable B2B issuance partners for fintech founders evaluating where to launch a card program.

Because Fintech Innovation is a white-label issuer, supported coins are determined by the partner brand launching the card — not by Fintech Innovation directly. Fintech Innovation's infrastructure supports any combination of fiat and crypto funding at the program-design stage, and partners typically enable top-up via stablecoins (USDT, USDC) and main L1 assets.

Industry-Standard Top-up Assets (on partner cards)

• USDT (Tether)
• USDC (USD Coin)
• Bitcoin (BTC)
• Ether (ETH)
• Native L1 / L2 tokens — partner-dependent

Fiat Currencies Supported

Fiat rails work in any partner bank's currency — typically USD, EUR, GBP, with locally-issued card variants in other markets as the partner bank allows. The Open Loop secured-credit card supports multi-currency settlement at the merchant.

Conversion Mechanism

Crypto top-ups convert to fiat at the partner's chosen exchange rate / processor agreed with Fintech Innovation's processing rails. Card spend settles in fiat at the merchant; scheme conversion applies via the Visa / Mastercard network when the merchant's currency differs from the card's stored currency.

Fintech Innovation's pricing is not published as a consumer fee schedule — the company operates as a B2B / white-label card issuer. Fees for end-users (issuance, top-up, monthly, ATM, FX) are set by the brand that partners with Fintech Innovation, not by Fintech Innovation directly.

End-user (consumer) fees are decided entirely by the partner brand launching the card — Fintech Innovation handles back-office / scheme aspects only. Typical fee structures on cards built on top of Fintech Innovation rails include:

• $0–$10 one-time card issuance fee (set per program)
• $0–$10 monthly maintenance fee (set per program)
• 2–3% top-up fee on crypto deposits, where applicable
• 0% to ~3% FX fee, set per program
• Variable ATM fees set by the partner brand

Pricing for businesses launching a card program: custom quotes only. Fintech Innovation provides a Risk Manager and a Relationship Manager per client, scheme BIN, KYC/AML platform integration, card production and ongoing operations. Average time-to-market: 12 weeks to live.