> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rhinestone.dev/llms.txt
> Use this file to discover all available pages before exploring further.

# Fiat integrations

> Connect stablecoin balances to the bank accounts and cards users already have.

Your application's balance is a stablecoin. Your users' expenses are not. Fiat integrations close that gap with a bank account and a card per user, so money moves between onchain balances and local currency without leaving your product.

## Virtual bank accounts

Give each user a EUR or USD account in their own name, for payins and payouts. Users fund through local bank transfers and SWIFT, and convert in the other direction to their 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.

## Cards

A card spends the user's balance directly. Authorization runs against the user's own account rather than a float you pre-fund, so there is no delayed withdrawal between the balance the user sees and the balance the card can reach.

The card and wallet share one balance, and yield-bearing positions can back card spending rather than sitting apart from it. Funds stay self-custodial up to the moment the card transacts.

## One identity verification

A user verifies their identity once, and that verification is reused across every fiat integration in the stack. The identity belongs to the user and stays portable across the licensed partners a transaction routes through, rather than being re-collected per provider.