Kulipa

Kulipa is an API platform that lets fintechs and crypto wallets issue branded stablecoin-backed payment cards to their users. It offers debit and prepaid cards, both physical and virtual, with Apple Pay and Google Pay support. The cards work wherever Visa and Mastercard are accepted, and Kulipa converts stablecoin balances to local fiat in the background so merchants do not need to accept crypto. Other products are programmable wallets that link banking rails to stablecoin spending, and virtual accounts. Kulipa says it acts as the compliance layer, handling VASP licensing, KYC, KYB and AML monitoring. The site lists use cases in remittances, global payroll, spend management, neobanks and crypto wallets. Developer docs cover users, cards, KYC, transactions and webhooks.