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Fiat integrations are in private beta.
Fiat integrations give each of your users a bank account and a card connected to their smart wallet. Bank transfers fund the wallet’s stablecoin balance, and the card spends from that same balance, so users move between local currency and onchain funds without leaving your product.

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What your users get

  • A bank account in their name. EUR or USD receiving details for local bank transfers and SWIFT, with payouts back to local currency. Because the account belongs to the user rather than to a pooled balance you operate, money moves at transfer fees rather than a percentage of the amount.
  • A card on the same balance. Authorization runs against the user’s own account rather than a float you pre-fund, so the balance the user sees is the balance the card can spend. Yield-bearing positions can back card spending, and funds stay self-custodial until the card transacts.
  • One identity verification. The user verifies once, and that verification is reused across the bank account, the card, and every licensed partner a transaction routes through.

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How it fits together

Licensed partners issue the accounts and cards, and remain responsible for eligibility, compliance, settlement, and card-network operations. Rhinestone connects them to the user’s smart wallet, so your application works with one balance instead of one per provider.

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Get in touch

Tell us what you’re building and we’ll set up a chat.

Contact Rhinestone

Request access to the beta.