DCS DeCard
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Cards-as-a-Service

Enable real-world stablecoin spending with flexible co-branded and white-label card solutions.

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Programme models

Two ways to launch your card programme

Choose the model that fits your brand, your users and how quickly you want to be live.

Platform capabilities

Launch cards without building the issuing stack yourself

DCS DeCard delivers programme design, issuing, compliance, risk, authorisation, reconciliation and settlement as one service, connected to the relevant card networks.

Card issuing

  • Virtual and physical cards
  • Card configuration and limits
  • Card lifecycle management

KYC / KYB

  • Individual and business verification
  • Configurable compliance workflows
  • Risk-based reviews

Authorization

  • Balance and spending-rule checks
  • Real-time approve or decline
  • Transaction controls and risk signals

Clearing & settlement

  • Transaction posting
  • Reconciliation and fees
  • Refund and exception handling
Platform architecture

One integration between your programme and the card networks

DCS DeCard runs issuing, compliance, risk, ledger and reconciliation beneath it and carries the programme through to the card networks and merchant acceptance. DCS DeCard delivers an end-to-end experience and connects your programme to the relevant card networks.

01Partner products
WalletExchangeFintech appExpense platformEmbedded finance
02Integration & delivery
REST APIsWebhooksHosted flowsDashboardSandbox
03DCS DeCard CaaS platform
Programme & product setupRegulated issuing & processingCard lifecycleCompliance, KYC & riskAuthorization & spend controlsLedger & balancesTransactions, reconciliation & settlementOngoing operations support
04Card networks & merchant acceptance
Card-network connectivityAuthorization routingClearing & settlement railsGlobal merchant acceptance
Programme operations

Choose how your card programme is operated

Launch faster with DeCard-managed infrastructure, or connect your own ledger and decision engine for greater control.

Operated by DeCard

DeCard manages balances, authorization decisions and programme operations, helping partners launch with less technical overhead.

  • DeCard-managed ledger
  • Built-in authorization controls
  • Faster integration and launch
  • Managed programme operations

Best for teams that want to launch quickly with a streamlined integration.

Controlled by the partner

Connect your own ledger and business rules to control spending power and make real-time authorization decisions.

  • Partner-controlled ledger
  • Custom authorization rules
  • Real-time approve or decline
  • Greater product flexibility

Best for wallets, exchanges and platforms with existing financial infrastructure.

Compare
DeCard-managed
Partner-managed
Balance sourceDeCard ledgerPartner ledgerAuthorization decisionDecided by DeCardDecided by partnerSpend controlsConfigured through DeCardCustom partner rulesIntegration effortLower integration effortDeeper API integrationBest suited forFast programme launchWallets, exchanges and financial platforms

Partner-managed options subject to programme design.

API & event model

Integrate around your operating model. Run on real-time events.

Partner-managed and DeCard-managed integrations use different account and authorization paths while sharing issuing, compliance, transaction and reconciliation capabilities. Webhooks keep critical events synchronized.

Card application requestJSON
{
  "customerRef": "usr_8f2c91",
  "categoryId": 1042,
  "applyRef": "card_20260714_001",
  "cardType": "VIRTUAL",
  "currency": "USD"
}
Real-time authorization eventWEBHOOK
{
  "event": "authorization.requested",
  "eventId": "evt_01J2Q8K7",
  "cardId": "card_8a31f2",
  "amount": "128.50",
  "currency": "USD",
  "merchant": { "mcc": "5732" }
}

Illustrative integration flow — actual endpoints and events are documented in DCS Docs. DCS Docs →

Operational controls

Designed for financial operations

Capabilities are configurable by programme and subject to integration scope.

Idempotent operations

Prevent duplicate actions across retried requests.

Event traceability

Track authorization, clearing and settlement events across the transaction lifecycle.

Role-based access

Separate operational, compliance and administrative responsibilities.

Configurable controls

Apply programme, cardholder and card-level spending policies.

Reconciliation support

Connect transaction events with ledger and settlement records.

Sandbox testing

Validate card and transaction workflows before production launch.

Ready to launch your card programme?

Tell us your target market, your users and the operating model you have in mind, and our team will map out what launch looks like.

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