Apple Pay Crypto Card Programs Built for APAC Fintechs

Apple Pay crypto card issuance for fintechs. Launch your fully compliant Visa card program in APAC in just 12-14 weeks with our full-stack, regulated infrastructure.
Launch in Asia

What is a stablecoin-backed card?

A stablecoin-backed card program uses stablecoins as the underlying settlement layer while operating on established card networks. Transactions are converted into the required network currency within the issuing framework, linking digital asset treasury operations with regulated payment rails.

Why most card programs never reach Apple Pay

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Most APAC card issuers rely on shortcuts or workarounds for Apple Pay provisioning, leaving fintechs exposed to enforcement risk and degraded user experience.
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Obtaining independent Visa scheme approval in APAC requires 2 to 3 years of licensing and compliance buildout before a single card can be issued to users.
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When the card issuer and stablecoin issuer are separate entities, every settlement transaction carries handling fees and conversion overhead that erode program margins.

Everything your card program needs to launch

Digital Wallets

Complete Apple Pay Certification Not Shortcuts

StraitsX follows complete in-app provisioning certification for Apple Pay, Google Pay, and Samsung Pay. This means cardholders add their card directly from your app with full scheme compliance, not workarounds that create enforcement risk.
Complete Apple Pay certification
Samsung Pay and Google Pay included
Wearable tokenization supported
Card Issuance

Visa BIN Sponsorship Across 10 APAC Markets

StraitsX acts as your Visa BIN sponsor, handling all scheme licensing, compliance, and card network approval across 10 APAC markets. No independent license required. Go-live in 12 to 14 weeks versus 2 to 3 years on your own.
12 to 14 week go-live
10 APAC markets covered
No independent license needed
Settlement

Issuer-Native Stablecoin Settlement at Zero Fees

Because StraitsX is both the card issuer and the stablecoin issuer, settlement in XUSD or XSGD carries zero stablecoin handling fees. No third-party conversion overhead, no margin drag from external stablecoin providers.
Zero stablecoin handling fees
Settle in XUSD, XSGD, or USDC
JIT funding supported
Infrastructure

Full-Stack Issuer and Processor in One

StraitsX operates as both card issuer and processor, removing the third-party processor layer most competitors rely on. This delivers tighter system control, faster SLAs, and a clear migration path toward your own BIN ownership.
No third-party processor layer
Faster SLAs and tighter control
Path to client-owned BIN
Compliance

Built-In AML and Card Scheme Compliance

Clients inherit StraitsX's MAS-licensed compliance framework including AML screening, KYC onboarding, and card scheme controls. No need to build a compliance stack from scratch before your Apple Pay card program can go live.
MAS-licensed compliance framework
AML and KYC built in
Card scheme controls included
Transparent green padlock enclosing a stack of coins with a Polygon cryptocurrency logo on them.

Wallet-ready cards for everyday spend

Cards your users can tap anywhere – StraitsX supports end-to-end card tokenization across major mobile and wearable wallets, allowing programs to deliver instant, wallet-ready cards to their users.

Token Service

We also support tokenization for virtual cards, physical cards, wearable rings and in-app provisioning.

Hear from our clients

Powering the Pionex Card Program with StraitsX Card Issuance Infrastructure

Read customer story

Frequently
Asked
Questions

  • Does StraitsX's Apple Pay provisioning use shortcuts or workarounds?

    No. StraitsX follows complete in-app provisioning certification for Apple Pay, Google Pay, and Samsung Pay rather than shortcuts or third-party workarounds. This is a deliberate compliance-led approach. In stricter enforcement environments, issuers relying on non-certified provisioning paths face scheme enforcement risk. StraitsX's full certification means your cardholders get a native, scheme-compliant Apple Pay experience directly from your app.

  • How long does it take to launch a card program with Apple Pay through StraitsX?

    Card programs go live in 12 to 14 weeks via StraitsX's Visa BIN sponsorship. This includes card issuance setup, stablecoin settlement configuration, and digital wallet provisioning. The alternative, obtaining independent Visa scheme approval, typically takes 2 to 3 years. BIN sponsorship through StraitsX removes that licensing dependency entirely.

  • Which APAC markets are covered by StraitsX card issuance?

    StraitsX supports card issuance across 10 APAC markets: Singapore, Hong Kong, Taiwan, Australia, Japan, Korea, Thailand, Philippines, Malaysia, and Vietnam. Cards issued on the StraitsX platform are accepted at Visa merchants worldwide. Multi-BIN architecture means a single issuing relationship covers regional expansion without needing a new sponsor per market.

  • What stablecoins can my card program settle in?

    Card programs on the StraitsX platform can settle in XUSD, XSGD, or USDC. XUSD and XSGD are stablecoins issued by StraitsX, licensed as a Major Payment Institution under the Payment Services Act 2019, and carry zero stablecoin handling fees when used within the platform. USDC is a Digital Payment Token (DPT); DPT settlement is supported and follows the same infrastructure stack. JIT (Just-In-Time) funding is also supported, so cards can be funded at the point of transaction.

  • Do I need my own Visa license to launch with StraitsX?

    No. StraitsX acts as the Visa BIN sponsor for your card program, handling all scheme licensing, card network approval, and compliance infrastructure. You do not need to obtain your own BIN or Visa membership. For clients who eventually want their own BIN, StraitsX provides a clear migration path toward independent BIN ownership as your program scales.

    • Scale faster with stablecoin infrastructure that works.

    StraitsX is here to help you simplify settlements, reduce costs, and unlock new markets.
    Speak with us