Laso Card

What Laso is

Laso Finance turns stablecoins into spending access. You connect a crypto wallet, sign a message, and receive a prepaid card, a gift card or a payout in minutes. There is no bank account, no exchange account and no credit check — the service is built for people who hold crypto and want to spend it without opening a banking relationship.

How it works

Deposit USDC, USDT or DAI from a wallet on Ethereum, Solana, Stellar, Arbitrum, Base or Polygon, and Laso issues the card or gift card against that deposit. The company states that it does not hold customer crypto, does not act as an exchange, and settles on-chain, which is why it can operate without a traditional account structure.

What you can buy with it

• US prepaid cards, from $10, with zero Laso transaction fees and instant delivery.
• International cards, currently on a promotional zero-fee offer.
• Gift cards across 2,000+ brands.
• Payouts to Venmo, PayPal, a debit card or a bank account.

Built for agents as well as people

Laso is a payment-gated API that speaks x402 and MPP, ships a SKILL.md file, and markets itself as the card an AI agent can issue from a single prompt. That is unusual in this category and makes it one of the few crypto cards designed for machine payments.

Where to be careful

Reviews are genuinely split. Users praise the absence of KYC and the low fees; others report cards that are declined at merchants, and those complaints are consistently attributed to the underlying card issuers rather than to Laso's own processing. Because there is no KYC, there is also limited recourse if a card fails.

Laso works from your own wallet to issue prepaid cards, gift cards and payouts with no bank account or credit check. The Bitcoin Company sells prepaid Visa and Mastercard cards bought with Bitcoin or stablecoins in the same spirit, and Mypal is the custodial prepaid alternative. Our Best Crypto Cards directory covers the prepaid field.

No forms, just funds

• Connect a wallet and sign a message to start — no bank account or exchange account.
• No lengthy identity process; access is gated by holding and depositing crypto.

Ways to spend

• US prepaid card from $10 with zero Laso transaction fees and instant delivery.
• International prepaid cards, currently promoted at 0% fees.
• Digital gift cards across 2,000+ brands.
• Payouts to Venmo, PayPal, debit card or bank account.

Chains and tokens

• USDC, USDT and DAI on Ethereum, Solana, Arbitrum, Base, Polygon and Stellar (Stellar in beta).
• Wallet connections including MetaMask, Phantom, SolFlare, Base Wallet, Freighter and XBull.

Agent and developer access

• Payment-gated API supporting x402 and MPP.
• Published SKILL.md so an AI agent can issue a card from a prompt.

Backers and status

• FinCEN registered.
• Backed by Theia, DBA, Anagram and Colosseum.
• More than 16,000 users and roughly $447 million in cumulative volume at the time of review.

Stablecoins only

Laso accepts USDC, USDT and DAI. Deposits are made from your own wallet on Ethereum, Solana, Arbitrum, Base, Polygon or Stellar, which keeps the funding side self-custodial: Laso states it does not hold customer crypto and does not operate as an exchange.

What that gives you

You keep control of the wallet and only part with funds when you buy a card, gift card or payout. Once a payment is made the transaction is final and settled on-chain, which is worth knowing before loading a large amount.

Published pricing

• US prepaid card: from $10, with zero Laso transaction fees.
• Canadian cards: zero Laso transaction fees.
• International cards: currently on a promotional 0% fee offer.
• Gift cards and payouts: priced per product in the app.

The one fee that always applies

Laso's own footnote is explicit: there are no Laso Finance transaction fees, but a deposit fee applies on deposit. So the cost sits in loading crypto rather than in spending it, and the rate you pay depends on the deposit route and asset.

What is not published

Laso does not publish a single consolidated fee table covering every product, and card issuer terms sit behind each individual card programme. Confirm the deposit fee and the card issuer's terms before committing a large balance.