BIN Sponsorship for APAC Compliant Cards

BIN sponsorship APAC for institutions. Launch compliant, stablecoin-settled Visa card programs in 10+ markets in 12-14 weeks with our MAS-regulated platform.
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 APAC Card Programs Stall Before Launch

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Securing your own Visa BIN requires 2 to 3 years of licensing, scheme approvals, and compliance buildout before a single card reaches a cardholder.
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Most issuer infrastructure lacks built-in AML, KYC, and card scheme compliance — forcing product teams to source and integrate these layers independently.
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Scaling a card program across APAC markets means repeating licensing, finding local BIN sponsors, and managing fragmented settlement rails in each jurisdiction.

Full-Stack BIN Sponsorship Infrastructure for APAC

BIN Sponsorship

APAC Visa BIN in 12 to 14 Weeks

StraitsX acts as the Visa BIN sponsor across 10 APAC markets, handling all scheme licensing, compliance, and card network approvals. Clients go live in 12 to 14 weeks without obtaining an independent BIN or banking license.
10-market APAC issuance coverage
12 to 14 week go-live timeline
No independent license required
Infrastructure

Full-Stack Issuer and Processor Control

StraitsX operates as both card issuer and processor, removing the third-party processor layer. This delivers tighter system control, faster SLAs, structurally lower cost, and a clear path for clients toward their own BIN ownership over time.
No third-party processor overhead
Faster SLAs and tighter control
Clear path to BIN ownership
Settlement

Zero-Fee Stablecoin Settlement at 1 to 1

Because StraitsX is the issuer of XUSD and XSGD, card programs settle at zero stablecoin handling fees. There is no third-party conversion layer — settlement is native, 1 to 1, and available in XUSD, XSGD, or USDC.
Zero stablecoin handling fees
XUSD, XSGD, or USDC settlement
JIT funding supported
Transparent green padlock enclosing a stack of coins with a Polygon cryptocurrency logo on them.
Compliance

Built-In AML and Card Scheme Compliance

Clients inherit StraitsX's MAS-licensed compliance framework covering AML screening, KYC onboarding, transaction monitoring, and card scheme requirements — no need to build or source compliance infrastructure independently.
MAS-licensed compliance framework
AML and KYC built in
Card scheme requirements covered
Digital Wallets

Complete Apple Pay and Google Pay Certification

StraitsX follows complete in-app provisioning certification for Apple Pay, Google Pay, and Samsung Pay — not shortcuts or workarounds. Card programs also support wearable tokenization for smart rings and watches.
Complete provisioning certification
Apple Pay, Google Pay, Samsung Pay
Wearable tokenization supported

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

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

    No. StraitsX acts as the Visa BIN sponsor, which means StraitsX holds the scheme licensing and regulatory approvals on your behalf. Your platform launches under StraitsX's BIN without needing to go through the 2 to 3 year process of obtaining independent scheme approval. This is the primary function of BIN sponsorship — and StraitsX covers it end to end across 10 APAC markets.

  • Which APAC markets does StraitsX BIN sponsorship cover?

    StraitsX supports card program issuance across 10 APAC markets: Singapore, Hong Kong, Taiwan, Australia, Japan, Korea, Thailand, the Philippines, Malaysia, and Vietnam. Cards issued through these programs carry global Visa acceptance at 175 million merchants worldwide. Multi-market expansion is supported through a unified multi-BIN architecture — no need to find a new BIN sponsor market by market.

  • How does stablecoin settlement work for a BIN-sponsored card program?

    Card programs settle in stablecoins issued by StraitsX, licensed as a Major Payment Institution under the Payment Services Act 2019 — specifically XUSD or XSGD, at a 1 to 1 rate with zero handling fees. Because StraitsX is the stablecoin issuer, there is no third-party conversion overhead. Card programs can also support settlement in USDC (a Digital Payment Token, or DPT). JIT (Just-In-Time) funding is supported, meaning cards can be funded at the point of transaction rather than requiring pre-funding.

  • How long does it take to launch a card program via BIN sponsorship?

    Card programs go live in 12 to 14 weeks through StraitsX's BIN sponsorship path. This compares to 2 to 3 years required to obtain independent scheme approval directly from Visa. The 12 to 14 week timeline covers onboarding, compliance setup, card design, and technical integration — StraitsX's full-stack issuer and processor model removes third-party dependencies that typically extend timelines.

  • Does StraitsX support Apple Pay and Google Pay for BIN-sponsored card programs?

    Yes. StraitsX follows complete in-app provisioning certification for Apple Pay, Google Pay, and Samsung Pay — not shortcuts or workarounds. This means cardholders can add their card directly from your app using full certification flows. StraitsX is among the few issuers in APAC maintaining fully certified in-app provisioning under stricter enforcement environments. Wearable tokenization for smart rings and watches is also supported.

    • Scale faster with stablecoin infrastructure that works.

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