What is the Interlace Infinity Card?
The Infinity Card is the corporate card programme of Interlace, a Singapore-based card issuance and digital asset platform. It is not a consumer sign-up card: it is infrastructure for companies that need to issue prepaid Visa and Mastercard cards funded by crypto, spend from a business balance, and manage all of it from one dashboard or API.
Interlace’s scale is the reason this sits at the top of the directory for institutional credibility. The company has issued more than 4.5 million cards, works with 100+ integrated partners, processes over 60 million transactions a year, and raised a $10 million Series B1 round in December 2024 to expand across Asia-Pacific, the United States and the United Kingdom. It holds PCI-DSS Level 1 certification and is licensed in the United States (Money Services Business, FinCEN), Hong Kong (Trust or Company Service Provider, Companies Registry), Canada (Money Services Business, FINTRAC) and Lithuania (virtual asset service provider).
Who it is actually for
Three groups use it. First, Web3 companies and DAOs that hold USDC or USDT and want to pay for ads, cloud, subscriptions and contractors without a slow off-ramp. Second, teams that need many cards — media buyers running hundreds of ad accounts, platform operators paying out to contributors, or businesses issuing per-project cards. Third, companies that want to issue their own branded card programme to consumers, which Interlace supports through Infinity Launch on the same rails.
If you are an individual looking for one personal crypto card, this is the wrong entry in the directory — Interlace onboards businesses, requires business KYC, and sells through a demo-and-contract process rather than an app store download.
How issuing works
Virtual cards issue immediately and in bulk: the API exposes single and batch card creation endpoints, and the dashboard handles the same job manually. Cards can be organised into segments and budgets with their own limits, and every card record carries a status the programme controls in real time — ACTIVE, PENDING, FROZEN, INACTIVE or CONTROL (restricted for compliance or risk reasons). Each card can be frozen and unfrozen for a single cardholder or across thousands.
Physical cards go further. Interlace offers three routes: Interlace-branded cards, blank white cards, and fully white-label cards carrying your own design. A custom design is a real production project rather than a toggle: issuing bank approval takes about one business day, card organisation approval one to two weeks, sample manufacturing two to four weeks, and mass production eight to ten weeks. Bulk shipments support up to 1,000 cards at a time, and every physical cardholder completes full KYC before the card activates.
Funding with stablecoins
This is where the crypto side lives. You deposit USDC, USDT, WUSD, BTC or ETH to a generated deposit address, then move funds into the Infinity Account where the card spends from, with internal transfers supporting USD, USDC, USDT and WUSD. The pitch on the card page is straightforward and accurate: no need to convert crypto to fiat before spending, and you can pay in a currency the merchant accepts even when they take no crypto at all.
Conversion is the reason this works. Balances sit in stablecoin form and convert at market rate when a transaction settles, with card currencies following ISO 4217 standards — the API documents USD, EUR and CNY card issuance. The practical effect is that a USDC treasury can fund cards settling in dollars, euros or yuan without a separate treasury process for each.
Fees: what is published and what is not
Interlace does not publish an Infinity Card fee schedule. CryptoConnect’s page states the platform runs with “no hidden fees”, and the Terms define “Fees” as charges payable to Interlace whose “composition and rate shall be adjusted by Interlace from time to time”. That means pricing is contractual and quote-based, and the numbers arrive during onboarding rather than on the marketing site.
What the published documents do show is where costs sit. Currency conversion is made at market rate, but the Terms warn that extra fees may apply for currencies that are not always easily available, or for exchanges instructed outside foreign-exchange market hours — defined as any time outside Monday to Friday business hours in Hong Kong and the USA. Overdue sums attract interest at 1% per month or the maximum permitted by law, whichever is higher. Internal crypto-to-account transfers carry fees too: the API documentation’s transfer example shows a 0.05 USDC fee on a 10 USDC transfer, which illustrates that fee types are defined per movement rather than bundled.
Treat that example as an illustration, not a rate card, and get the real schedule in writing before committing. The questions worth asking are per-card issuance, per-load, FX spread above the market rate used, ATM and offline purchase fees, declined or refunded transaction handling, card replacement, programme fees, and the cost of closing a card.
Where the cards work
Interlace states coverage in 180+ countries and 40+ major currencies, and cards are accepted wherever Visa and Mastercard are taken — the company connects to 30+ card BINs, which is why it can offer different issuing regions and price points in one programme. Wallet support covers PayPal, Apple Pay, Google Pay and Alipay, and cards work both online and offline, which is what makes them usable for platform ad spend, store rentals, subscriptions, travel and everyday team expenses.
Controls, accounting and compliance
The management layer is the reason companies pick this over a single crypto card. You get an account hierarchy with sub-accounts and budgets, per-card and per-transaction limits including lifetime caps, real-time expense tracking, automated expense reports instead of month-end spreadsheet work, and multi-currency spend and reimbursements for distributed teams. All of it is available through the dashboard and the API, so a finance team can reconcile without exporting anything.
Security and compliance sit at institutional grade. Interlace holds PCI-DSS Level 1, the highest certification in card payments; it says crypto holdings use multi-layer security and insured storage; and fiat is held at FDIC-insured commercial banks — worth reading precisely, since FDIC insurance protects deposits held at those banks rather than being a guarantee of your programme balance. KYC and AML processes run across onboarding and cardholders, with cardholder models supporting consumer, named-individual and corporate-managed verification.
Who it suits
Infinity Card is the strongest entry in this directory for a company rather than a person. Businesses holding stablecoins that want card spend, batch issuing, granular controls, expense visibility and a licensed, audited issuer should shortlist it — and the absence of published pricing matters less when you are negotiating a contract anyway than it would for a consumer card you pick up in an app. It suits less well anyone who wants pricing on a website before they commit, cash or ATM withdrawals, cashback, or a personal card they can apply for alone. To compare how the field stands overall, start with the crypto cards directory. Businesses whose crypto needs run to accepting and settling payments should also look at the crypto payment gateways directory, and for the closest corporate-card comparison in this directory, the Brex crypto card serves a similar business-spend job at a different scale.
