Create a card
Issues a card (virtual or physical) that spends Just-In-Time from the account’s central balance in the card’s spending asset (spending_asset: USDT/USDC 1:1 with the USD, or BTC/GOLD/SILVER/PLATINUM converted at the price of the moment of each event) — no prefunding: every purchase is authorized in real time against the available balance and the card’s own limits. Person accounts can hold 1 live card total and 1 open application; company accounts can create unlimited cards. New physical issuance is temporarily unavailable; existing physical cards continue operating. the company itself or for designated persons (e.g. employees, passing their identity documents). Issuance bills the card_creation_virtual / card_creation_physical fee when configured (0 = free); the charge is refunded automatically if issuance fails. Physical cards are born pending_activation until the holder confirms reception.
Authorizations
Session JWT (from register/login) or API key (pk_...).
X-API-Key: <token> is accepted as an alternative header.
Body
Required (also accepted as the Idempotency-Key header). A retry with the same key returns the original card and never double-charges the issuance fee.
Balance the card spends from. When omitted it uses the account's settlement asset (USD is the principal balance). USD/USDT/USDC are at par (exact 1:1, no conversion fee). BTC/GOLD/SILVER/PLATINUM convert at the effective price of the moment of each event, with a reserve cushion at authorization (fail-closed pricing, per-operation and 24h volatile limits shared with payouts).
USD, USDT, USDC, BTC, GOLD, SILVER, PLATINUM Optional spending limits in USD (enforced at authorization time; 0 or omitted = no limit).
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Cardholder data. On the account's FIRST issuance the holder is created at the issuer: identity data and documents AUTO-FILL from the account's approved identity verification (explicit fields win); you only add the issuer-specific fields (occupation catalog code, salary_usd). Optional first_name and last_name override the verified profile for the printed name; together they must not exceed 22 UTF-8 bytes. Omit it on subsequent cards: the verified holder is reused. Company accounts can also set kind "person" plus the verification_id of THAT person's APPROVED KYC to issue for a designated person (their identity and documents come from the verification).
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Response
Card created.
account, person pending_activation, active, frozen, cancelled Balance the card's purchases spend from. USDT/USDC 1:1 with the USD; BTC/GOLD/SILVER/PLATINUM converted at the price of the moment of each event. Changing it only affects future purchases.
USD, USDT, USDC, BTC, GOLD, SILVER, PLATINUM Spending limits, always measured in USD regardless of the spending asset.
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