Your stablecoin balance, at every Visa-accepting merchant
A non-custodial card funded by your stablecoin balance. Accepted at 150 million Visa-accepting merchants. Closed beta — badge holders skip the line.
If you hold stablecoins and you've ever tried to use the balance in a country that isn't yours, you already know the loop. Off-ramp through a local exchange. Wait. Withdraw to a bank account, if you have one. Use a bank card. The whole point of self-custody — undone in three steps.
The peanut card cuts that out. It's a non-custodial card funded by your stablecoin balance. Top it up, tap at any Visa-accepting merchant, and you're done. Your balance stays in your wallet until the moment a payment is funded. The card is accepted wherever Visa is accepted — approximately 150 million merchants.
It's in closed beta now. About 50 people get in per week. Some skip the line entirely.
Who this is for
We built peanut for people who don't fit. Digital nomads who get bounced by every neobank's onboarding the moment they cross a border. Expats who pay 4% on every transaction home. LATAM users who earn in dollars and spend in pesos and reais. Remote workers who get paid in stablecoins and want to use the balance without three days of bank transfers.
If you've ever stared at "this card has been blocked for your security" from a beach in Tulum, you already know.
What the card does
It's a card. That's the whole trick.
- Accepted at ~150M Visa-accepting merchants. Online, in-store contactless, ATMs.
- Apple Pay / Google Pay. Manual add at launch. Push provisioning is on the v2 roadmap.
- Non-custodial. Your stablecoins stay in your wallet until a payment is funded. We don't hold custody. We don't lend it out.
- No monthly fees. No annual fees. Standard fees and limits apply per the cardholder terms.
You top up the card with your stablecoin balance. When you pay, the balance converts at the rate quoted to you, the merchant gets paid in local currency, and that's it. The merchant sees a normal Visa transaction. Nobody downstream needs to know or care what funded the card.
How we built it
The card is non-custodial. Your stablecoins stay in your own smart account until the moment a payment is funded — at which point they're moved into the program's collateral and settled to the merchant. The mechanism is a scoped, session-key-signable permission you install once at card setup: one passkey tap, lifetime coverage. We can't reach your funds; the permission only authorizes movement into your own collateral or out to a recipient you signed for.
Short version: one session key, one permission, two pipes — inbound auto-balance and outbound withdrawals. It runs silently. Your card just works. We'll write up the full engineering story in a follow-up post — the bugs that were embarrassing in retrospect, the merchant edge cases we now have tests for, the reason a $1 hotel pre-auth can hang around for two weeks.
How to get in
Three doors. Pick yours.
Three doors
- 1
Door 1 — got a badge
If you hold OG_2025_10_12, DEVCONNECT_BA_2025, or ARBIVERSE_DEVCONNECT_BA_2025, you skip the waitlist. Sign in to peanut, we check the badges on your account, and you go straight to KYC. About 3,400 wallets are whitelisted in total.
- 2
Door 2 — no badge
Join the waitlist. No payment, no stake, no buy-in. We let people in waves of about 50. Order matters. We'll holler when it's your turn.
- 3
Door 3 — once you're in
Complete KYC, get your card, spend your first $100 on the card. We credit $10 to your balance — subject to eligibility and program terms. Bring a friend along — when they activate (KYC + their own $100), you both get $10. Same terms apply. That's the only referral mechanic.
The waitlist is free now. It used to involve a stake. We pivoted on 2026-05-05 because pushing money in before the user even gets the card was the wrong order of operations. The current order is: get in, get the card, fund it, spend, then unlock the reward.
Why we're going slow
We could open the gates to everyone today. We're not going to.
Closed beta — about 50 people a week — for a reason: a card has to just work. A coffee shop at 8am with a queue behind you is not the place to find out your edge case wasn't tested. Slow releases let us catch the weird ones — the merchant who keeps a $1 pre-auth for 14 days, the gas station that overcaptures by 30%, the airline that adds incremental holds — before they become someone's bad morning.
We'd rather under-promise and over-deliver to a small group than blast the whole internet on day one. Word travels.
Where it works first
We're rolling out to select regions first, with additional regions added as our partners' coverage expands. Eligibility is shown during signup. KYC is required and applies to every cardholder. If your region isn't covered yet, you can still join the waitlist — we'll release in those regions as the partner network grows.
FAQ
What's the peanut card?+
A non-custodial card funded by your stablecoin balance. Accepted wherever Visa is accepted. Top it up, tap, done.
Where does it work?+
Accepted at approximately 150 million Visa-accepting merchants. Online, in-store contactless, ATMs, manually added to Apple Pay and Google Pay.
Is my money safe?+
Your balance is yours. Non-custodial — your stablecoins stay in your wallet until a payment is funded. We don't hold custody. We don't lend it out.
What's the $10?+
A welcome reward. KYC + first $100 in card spend unlocks $10 to your balance — subject to eligibility and program terms. Same trigger whether you signed up yourself or got referred. If you referred someone, you also are eligible for $10 when they activate. Full terms are in the reward T&Cs in the app.
How long is the waitlist?+
About 50 people a week during closed beta. Order matters. Whitelisted badges skip the line entirely.
Where can I get the card?+
We're rolling out to select regions first and adding more as our partners' coverage expands. Eligibility is shown during signup. KYC is required.
Any fees?+
No monthly fees. No annual fees. Standard fees and limits apply per the cardholder terms.
Which stablecoins can I top up with?+
Top up your peanut balance the way you do today — supported stablecoins on supported networks. The card is funded from the same balance.
The card is the part of peanut that finally works the same way wherever Visa is accepted. Up to now we've been bounded by local payment rails — useful inside specific markets, but the moment our users left, peanut stopped being useful exactly when they needed it most. The card extends a peanut balance into a payment at every Visa-accepting merchant.
