Use Case

Stablecoin

Give your customers a bank-branded card that spends stablecoins as easily as fiat - on the same Mastercard and Visa rails you already run, deployed above your core, live in as little as six months. Every swipe that used to end at an exchange now earns your bank the interchange, the spread, and the relationship.

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Platform Technology Powered by our orchestration platform Built by our primary platform partner Delivered by Terafin across Middle East & Africa

Why Stablecoin

Your customers already spend stablecoins. The question is through whose card.

Every time a customer activates an exchange-issued card, your bank becomes a salary landing account - nothing more. The deposit balance, the interchange on every transaction, and the spending relationship move elsewhere, permanently. This is a behaviour shift, not a trend.

30%

of UAE residents hold crypto assets

$400B+

virtual asset volume processed in MENA, 2024

72%

of Middle East crypto holders are under 40

UAE ranked globally for crypto readiness

Regulated Licence

A bank offering a digital asset card under its central bank licence carries fundamentally different customer confidence than an exchange-issued card. Their licensing position across Middle East markets is complicated. Yours is not.

Existing Customer Base

Exchanges acquire customers at significant cost. You already have them. Launching this product activates a relationship you already hold - it doesn't require winning a new one.

Trust and Distribution

Your app, your brand, your existing KYC records. Deploy to a qualified customer base from day one - no external account, no fund migration, no trust barrier to overcome.

Platform Features

The infrastructure behind a card that looks completely ordinary.

The Transaction Flow

Five Steps. Under Three Seconds. Looks Like Any Card Payment.

Customer swipes a bank-branded card, Mastercard or Visa authorises exactly as it does today, Terafin's platform triggers real-time stablecoin-to-AED conversion through a licensed virtual-asset custody partner, the merchant settles in fiat, and the bank earns interchange and spread on a transaction that used to belong to an exchange.

Bank-branded card, physical or virtual, on existing Mastercard/Visa rails
Real-time stablecoin-to-fiat conversion at the point of swipe
No VASP licence required - a licensed custody partner holds it, your bank distributes
No core replacement - deployed entirely above your existing infrastructure

RailsMastercard / Visa - unchanged

ConversionReal-time, at point of swipe

LicenceCentral bank licence sufficient

TimelineLive in as little as 6 months

The Revenue Model

Four Income Streams Currently Going Elsewhere

Across an active customer base, interchange, conversion spread, and float on idle stablecoin balances already add up to meaningful monthly revenue - and today, all of it goes to whichever exchange your customer chose instead of you. A stablecoin card recovers every one of these streams onto your own balance sheet.

Interchange: a quality margin earned on every stablecoin-funded swipe, across your active base
Conversion spread: a competitive spread on every stablecoin-to-fiat conversion
Float income: a better APR on idle stablecoin balances than they'd earn sitting elsewhere
Deposit retention: keeping a customer costs meaningfully less than winning back one who's left

InterchangeEarned on every swipe, across your active base

Conversion spreadCompetitive, on every stablecoin-fiat conversion

Float incomeBetter APR than balances earn elsewhere

Deposit retentionCheaper than winning a customer back

Customer Experience

Your brand. Their card. No exchange required.

In the App

Stablecoin wallet tab inside your existing banking app
Stablecoin balances earn yield while unspent
Current account, savings, and digital asset balance in one place
No external wallet required, no trust barrier to overcome

At the Point of Sale

Bank-branded Mastercard - physical or virtual
Works on Apple Pay and Google Pay
Real-time conversion triggered at swipe, merchant receives AED
Customer sees: "AED 245 spent. Converted from stablecoin. Fee: 0.65%"

What They Never Need

An exchange account or a separate crypto wallet
A third-party app
A reason to move funds outside your ecosystem
Any awareness of the infrastructure underneath

One Stack. Two Depths of Ownership.

The stablecoin card and a tokenized deposit are not two separate products - they are the same orchestration platform at different depths of bank ownership. This layer deploys today on a licensed custody partner; the next layer moves the instrument itself onto your own ledger. The decision to build one is the decision to be ready for the other. See Tokenized Deposits →

The Window

The cost of waiting is not zero.

If You Move Now

First-mover position in your customer segment
Architecture-ready ahead of the region's tightening virtual-asset compliance deadlines
Live in as little as six months - no core replacement, no new licence required
Your Layer 2 build begins from a live Layer 1 foundation

If You Wait

A competitor bank launches first and owns the narrative
Customer spending habit locks in elsewhere
Re-acquisition costs 5-8x more than retention would have
Government-backed digital currency launches with no distribution role for your bank