Zebec Network is expanding its crypto-to-fiat payment capabilities through its lineup of virtual cards, allowing users to spend crypto-backed balances across the global Mastercard network.
The company said its Silver, Carbon, and Black card products enable crypto spending for everyday purchases such as travel, gifts, and routine expenses, converting on-chain balances into fiat payments accepted at more than 60 million Mastercard merchants worldwide.
Zebec’s card products function as the final spending layer within its payments infrastructure. Funds received through on-chain payroll, contractor payouts, or wallet balances can be routed directly into card usage, allowing users to spend without transferring assets to external banks or exchanges.
Merchants receive standard fiat settlements through existing card networks, while users spend crypto-backed balances at the point of sale. The setup allows card payments to work within familiar checkout flows without requiring merchants to interact with crypto directly.
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Three Card Tiers Target Different Spending Needs
Zebec structures its card offering across three tiers designed for different usage profiles.
The Silver card supports single-load usage, allows spending in USD, EUR, or GBP, and carries daily limits. The Carbon card adds reloadable functionality, supports USD spending, and allows higher daily limits. The Black card removes spending caps and supports multi-currency usage, positioning it for higher-volume users.
All cards are issued as virtual-first products, providing instant access upon issuance. The cards integrate with Apple Pay and Google Pay, enabling contactless payments without requiring physical card delivery.
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Zebec Card Usage Builds on Existing Payment Infrastructure
The card expansion follows Zebec’s broader push to connect on-chain payments with traditional financial rails. The company has expanded real-time payroll settlement in the U.S. through its NatPay integration on the Federal Reserve’s FedNow system, enabling instant payroll payouts using existing banking workflows.
Zebec has also added embedded wallet infrastructure via Stripe-owned Privy, simplifying payroll and payout access. The firm has also partnered with digital bank Fasset to extend regulated cross-border payments into Southeast Asia. Together, these updates place cards as the consumer-facing layer on top of Zebec’s payroll, wallet, and settlement infrastructure.
Recent disclosures show increasing activity across Zebec’s card products. In November, the company reported more than $60 million in card transaction volume on a rolling four-week annualized basis, alongside higher payroll volumes across enterprise clients.