Executive Hub
NAKA+ is a B2B payment card infrastructure. It lets crypto exchanges, wallets, and fintechs that work with stablecoins launch a branded, Visa-accepted card funded by users’ on-chain balances, without needing to obtain their own issuing licenses or building out compliance in-house.
End users access the card inside your existing app; NAKA provides the rails and compliance stack in partnership with an issuer that is a Visa Principal Member.
For end users, the benefit is self-custody with everyday spend:
the card connects to a user-controlled Safe (smart account) on the NAKA network so balances stay on-chain in the user’s name. When a purchase is made, the on-chain balance (typically in a dollar-denominated stablecoin such as USDT) is seamlessly settled behind the scenes, enabling everyday spending without manual conversion while still preserving transparency, lower fees, and user control compared to typical crypto cards.
For businesses, NAKA+ is a turnkey way to embed a branded, Visa-accepted card that draws directly from your customers’ or employees’ self-custodied stablecoin balances.
It lets crypto exchanges, wallets, and fintechs that work with stablecoins launch a branded, Visa-accepted card funded by users’ on-chain balances, without needing to obtain their own issuing licenses or building out compliance in-house. End users access the card inside your existing app; NAKA provides the rails and compliance stack in partnership with an issuer that is a Visa Principal Member.
NAKA+ lets you extend your product
into everyday spending, reward programs, or employee benefits while keeping funds in users’ control, and aligning your brand with transparent, next-generation payment technology. You keep the customer relationship and UX; we handle the card rails, compliance stack, and settlement, so you don’t need to build these functions.
Why It Matters Now
- Accepted everywhere: usable wherever Visa is accepted, including Apple Pay and Google Pay where supported, combining crypto utility with the familiarity of card payments.
- User-Controlled Value: Funds remain under user control, enabling a self-custodial model aligned with regulatory standards.
- Go live fast: No need to build your own card-issuing infrastructure or obtain your own licenses; deploy branded cards inside your existing app or product.
The program is designed for LATAM operators who want to deliver digital-asset payments at scale without obtaining their own crypto or issuing licenses.
Built for B2B partners in LATAM - Crypto exchanges, custodial/self-custodial wallets, and fintechs operating with stablecoins - who want to launch branded Visa-accepted cards without obtaining their own crypto or issuing licenses.
How NAKA+ Visa Platinum Card works
(Cardholder Perspective)
1.
Cardholder Payment
3.
Settlement & Merchant Payout
2.
Authorization & Balance Check
4.
Outcome for Distributors (You)
When the cardholder is ready to pay for goods or services, they simply tap to pay with their NAKA+ Card like any other payment card. They can top up their connected wallet beforehand to ensure the card balance covers the purchase.
The transaction request routes to the partner that is a Visa Principal Member. NAKA’s Balance Service checks available balance, prompts the user to sign the authorization, and instantly reserves the required amount in the cardholder’s smart contract for settlement.
Upon settlement, the reserved USDT is transferred to the partner’s settlement wallet. The network then completes merchant payout in fiat - fully automated.
- End users are already familiar with a card experience.
- Crypto-to-fiat settlement happens entirely behind the scenes automatically.
- No client crypto float appears on your balance sheet.
- Integrate value-added DeFi services, reward and loyalty programs, and other incentive schemes directly into the rails to boost user retention and engagement.
How NAKA+ Visa Platinum Card works
(Card Distributor Perspective)
1.
Program Integration
4.
User Acquisition & UX
2.
Regulatory & Operational Coverage
5.
Automated Settlement
3.
Network & Clearing
You (the distributor) integrate NAKA’s EMV-compatible card infrastructure into your existing app or product and launch a fully branded NAKA+ Visa Platinum Card for your users. This includes updating your app UI and card design, integrating NAKA and Visa services, onboarding users, providing first-level support, and handling virtual card distribution.
NAKA runs the entire regulated stack so you don’t need to obtain new crypto or issuing licences. NAKA provides the USDT payment rail, cardholder smart contract and Balance Service, safety collateral for payment processing, KYC service (via SumSub), AML checks, SAR, real-time transaction monitoring, and second-level support for you.
The issuer that is a Visa Principal Member provides card technology services, network administration and clearing, and the settlement with the Visa network that is required for merchant payout. They also handle third-level support for you.
With the hard parts handled by NAKA and Visa, you can focus on acquiring customers, designing the user experience, and building retention or rewards around the card within your own ecosystem.
All crypto-to-fiat conversion and merchant payouts happen automatically behind the scenes, with no client crypto float on your balance sheet.
Governance and responsibility
The onboarding and integration process is straightforward and typically takes only a few months end to end, subject to Principal Member onboarding and your requested project scope. Project approval and internal integration timelines vary by jurisdiction, feature set, and team capacity to integrate and test the solution. To find out more about the process contact us with your request for a detailed brief.
Trust, compliance, and consumer protection
KYC & onboarding
NAKA embeds full end-to-end Know Your Customer (KYC) verification directly inside your app. This means your users complete legally required identity checks without leaving your environment, while all regulatory obligations and record-keeping are handled within NAKA’s issuing stack.
Financial crime controls
Anti-Money Laundering (AML) screening, ongoing sanctions checks, real-time transaction monitoring, and Suspicious Activity Reporting (SAR) are embedded into the program by default. Every transaction is automatically screened against global watchlists, helping you meet local and international compliance standards without building your own compliance operation.
Insurance & safety collateral
To safeguard both distributors and cardholders, NAKA provides program-level insurance and safety collateral that satisfy the requirements of traditional card networks and settlement banks. This ensures that funds are protected throughout the payment cycle and that merchant payouts are guaranteed.
Operational posture
Whether the payout flows to distributors or directly to merchants (depending on where cardholders use the card), funds are released immediately after settlement. NAKA’s infrastructure is built to mirror the rigor of established payment-security practices, aligned with PCI DSS standards and EMV expectations, while adding the transparency and auditability of blockchain. This gives all parties the speed of on-chain settlement combined with the reliability and consumer protections of global card networks.
Built for how LATAM really pays
Money in LATAM lives on the phone and crosses borders every payday. Businesses that recognize this shift early are redefining how money moves: launching their own card programs, connecting to programmable payment rails, and giving customers the freedom to transact instantly and securely in a currency that holds its value.
Give users the dollar value they already hold and the tap-to-pay acceptance they expect - without rebuilding your product.