Card platform
Crypto Cards
Apply for Standard, Pro, Elite, or Business card access with wallet-based onboarding, applicant status tracking, smart spend controls, and verification-based benefits.
Intelligent crypto liquidity
The crypto card built around intelligent liquidity.
Spend, convert, borrow against approved crypto collateral, and access ecosystem rewards from one secure personal and business card platform.
OneSphere connects crypto card access, collateral-backed credit, Smart Spend Mode, verification-based benefits, and Treasury Share rewards into one premium digital finance experience.
Two products. One platform.
Two financial products. One intelligent liquidity platform.
OneSphere brings crypto card access and crypto-backed borrowing together, giving eligible users more control over how they access, spend, and preserve digital asset value.
Borrowing
Crypto-Collateral Credit
Use approved crypto assets as collateral to access flexible borrowing power without automatically selling long-term holdings.
OneSphere Smart Liquidity Engine — connecting card access, collateral credit, smart spend, verification, and rewards.
Smart Spend Mode
Choose how your card is funded.
With Smart Spend Mode, eligible users can configure whether transactions use account balance, crypto conversion, stablecoins, collateral credit, or a hybrid route.
01
Balance
Spend directly from available account balance.
02
Convert
Convert supported assets when needed.
03
Borrow
Draw from approved collateral-backed credit.
04
Hybrid
Route spending through a configured priority system.
Smart Spend Mode availability, supported assets, conversion arrangements, and routing options may vary by jurisdiction, card tier, verification status, collateral eligibility, and applicable programme terms.
Card tiers
Card access for personal and business users.
Choose the path that fits how you'll use your card. Verification depth and benefits scale with tier.
01
Standard
Entry-level personal access with non-KYC availability where legally permitted.
02
Pro
Enhanced personal access with optional verification benefits.
03
Elite
Premium verified access. KYC required.
04
Business
Operational card access for companies. Business review may apply.
Card designs shown are available through the live card programme. Limits, fees, rewards, and feature availability may vary by card tier, customer profile, jurisdiction, risk assessment, and applicable programme terms. Lower-tier cards may be issued using basic customer information, while higher-tier cards may require enhanced KYC/KYB checks before issuance.
Collateral credit
Borrowing power connected to your card.
Approved users can unlock liquidity from eligible crypto collateral and draw available credit into their OneSphere card account, supported by LTV monitoring, collateral health alerts, repayment controls, and eligible Treasury Share credits.
Pathways
Personal and Business pathways
Whichever side you're applying from, the OneSphere flow adapts: personal applicants choose by lifestyle and benefits; business applicants choose by operational fit.
Personal
Standard, Pro, and Elite card access for individual users. Verification depth scales with tier, with optional benefits available at higher verification levels.
Business
Operational card access for companies, with structured business review, supporting documentation, and admin-controlled status tracking.
Security & trust
Designed for secure digital asset finance.
OneSphere is built around secure onboarding, admin-reviewed applications, verification-based limits, collateral risk controls, audit trails, insurance eligibility, and operational review.
01
Secure onboarding
Structured applicant intake with audit-logged actions and role-based admin review.
02
Verification-based limits
Card limits, features, and benefits scale with verification depth and applicant profile.
03
Collateral risk controls
LTV monitoring, collateral health, margin alerts, and repayment controls for credit accounts.
04
Audit & insurance eligibility
Operational review trail across applications, statuses, and verification cases. Insurance eligibility subject to provider terms.
| Feature | Standard | Pro | Elite | Business |
|---|---|---|---|---|
| Audience | Personal | Personal | Personal | Business |
| Identity verification (KYC/KYB) | Standard KYC required before a card is issued | Standard KYC required before a card is issued | Enhanced KYC required before approval | KYB + KYC of associated individuals required before issuance |
| Limits | Lower limits, subject to review | Enhanced limits, subject to review | Highest personal limits, subject to enhanced checks | Higher operational limits, subject to business review |
| Conversion fees | Designed to be highly competitive | Improved fee structure | Premium fee structure | Business fee structure |
| Compound interest rewards | Not included at this tier | Eligible balances may qualify, subject to terms | Maximum eligible rewards, subject to terms | Eligible balances may qualify, subject to terms |
| Support | Standard support | Priority review | Premium support | Dedicated business support |
KYC, KYB, product access, limits, and card features are subject to jurisdiction, risk review, regulatory requirements, and OneSphere’s approval criteria. Identity verification is required for all cardholders before a card is issued; the depth of verification varies by tier. Rewards and fees are subject to product terms and may vary by jurisdiction.
Ready to apply?
Start a streamlined application now — verification is completed before a card is issued.