MPCVault Card

What the MPCVault Card is

MPCVault is a non-custodial treasury wallet for teams, secured with multi-party computation rather than a single private key, and the card lets that vault pay for things directly. Instead of selling crypto into a bank account to cover expenses, a business can spend USDC from the vault at 90 million merchants worldwide, including Alipay.

Built for company spend

The card is not aimed at individual consumers. MPCVault bundles corporate card capabilities, automatic expense management, bill payments and accounting integration, with instant notification for every transaction and per-transaction policy controls enforced at the wallet level. That combination — spend controls tied to the same vault that holds the treasury — is the product's core idea.

What it costs

The platform is priced as institutional infrastructure: the Growth plan is $500 per month billed annually and the Scale plan $2,000 per month, both including the full SDK, signer seats and API access. Card fees themselves are not published on the card or pricing pages, and on/off-ramp is quoted at 20 basis points.

Compliance position

MPCVault is operated by MetaLoop Inc., lists NMLS #2357870 and a FinCEN ID, and holds Visa card terms, prohibitions and a cardholder agreement. It is explicit that it is a non-custodial wallet and that clients remain responsible for their own keys and passwords. An Agent Cards programme is in early access via a waitlist.

MPCVault's card is aimed at teams that need to spend from a self-custodial vault, with USDC in and payments out. The business-spend alternatives are Slash, a US Visa charge card with unlimited virtual cards and cashback tiers for Pro customers, and Ramp, the corporate spend platform with Visa business cards and expense management. See the crypto cards directory for the corporate listings.

Spend

• Spend crypto directly from the vault rather than pre-loading a card balance.
• Pay in any currency at 90 million merchants worldwide, including Alipay.
• Physical card available alongside the digital card.
• Instant notification for every transaction.

Corporate controls

• Built-in corporate card capabilities for teams.
• Automatic expense management with accounting integration.
• Bill payments handled from the same treasury.
• Transaction policies enforced inside the MPC wallet.

Vault and security

• Secured by multi-party computation (MPC) with MFA on signing.
• Multi-signature support, transaction simulation and proactive transaction screening.
• Role-based access control, audit history retention and organisation key export.
• Vault limits and active-address caps differ by plan.

Integrations

• WalletConnect v1 and v2, batch transactions and secure in-app swaps.
• Circle Cross-Chain Transfer Protocol support.
• Fast OTC with direct bank connect for on and off-ramp.

USDC in, payments out

The card is designed to spend USDC directly from a self-custodial vault, which means a business does not have to convert stablecoins to fiat in a bank account before paying suppliers. MPCVault advertises support for all tokens by default with no whitelisting requirement on its vaults, and the card page focuses on USDC as the spending asset.

Why self-custody matters here

Funds sit in an MPC-secured vault the organisation controls, with role-based access and transaction policies deciding who can move what. The card becomes another approved spend path from that vault rather than a separate account holding a balance you have to trust a third party with.

What to verify

Because MPCVault is explicit that it is non-custodial and that clients are solely responsible for key management, there is no custodial recovery path if signing credentials are lost. Businesses should treat key governance and signer-seat design as part of the card setup, not an afterthought.

Platform pricing

• Growth: $500 per month, billed annually — 5 signer seats, $4M quarterly outbound volume cap
• Scale: $2,000 per month, billed annually — 10 signer seats, $20M quarterly outbound volume cap
• Enterprise: custom pricing with dedicated tenancy options
• Additional signer seats: $50 per seat
• On/off-ramp: 20 basis points
• Per-signature fee: $0.005; monthly active wallets: $0.04 each

What is not published

MPCVault does not publish card-specific fees: there is no listed issuance charge, no annual or monthly card fee and no ATM fee schedule on the card or pricing pages. Since the card is sold as part of an institutional subscription, ask the sales team what the card costs and what FX or ATM charges apply before committing.

Volume and overage

Both plans include a monthly outbound-volume ceiling, with Growth overage at 1 basis point and Scale at 0.1 basis points. Network gas is passed through at cost rather than marked up.

Total cost picture

With subscriptions starting at $6,000 a year, the card only makes financial sense for businesses that already need MPC treasury infrastructure for other reasons. It is not a consumer card and should not be evaluated as one.