USD Wallets
Use our standard USD funding component to allow users to top up cards via ACH, direct deposit, cash, or PayPal/Venmo.
Hydrogen Crypto
Offer crypto collateralized debit cards for your wallet, exchange, Web3 app, or fintech app.
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Crypto Features
Hydrogen allows companies to launch a ready-to-go debit card program that can act as a traditional USD wallet and use crypto to make purchases. Everything below comes in a single integration with Hydrogen. Disclaimer: cryptocurrency custody services and the purchase, sale, or exchange of fiat funds for cryptocurrency are not offered or endorsed by Pathward, N.A.
Reserve Ledger
You can transfer money from our reserve account ledger to a debit card in seconds. Tie this to any crypto held by the user.
Collateralized Spending
You can provide spending power to users based on the balance in their crypto wallet. We can even help with off-ramps.
Program Funded Rewards
Use our rewards engine to calculate and disburse your own custom rewards to users. Run your own rewards program on Hydrogen!
Card-Linked Rewards
Use our integrated card-linked rewards network with merchant funded rewards. Offer up to 10% cash back at 100+ merchants.
Spending Boosts
Automatically reward cardholders when they meet spending criteria. The more they spend, the more interchange you earn!
Custom Reward Periods
Set rewards payouts on a monthly, quarterly, or annual schedule. Want users to only qualify in the initial period? You can do that too.
Reward Thresholds
Set thresholds with max dollar payouts. Thresholds can be set with either a tiered or absolute structure, with multiple levels.
Instant Bonuses
Instantly disburse bonuses to users when they create an account. You can also disburse bonuses at the end of a defined period.
Balance Incentives
Incentivize larger balances on your cards with rewards payouts based on average balances over a defined period.
Spending Controls
Add rules for Merchant Category Codes (MCCs), or for more granular and user-friendly attribution, use our own proprietary categories.
Integrated ACH
Fund your reserve and enable consumer loads via ACH. Authenticate user bank accounts to confirm ownership and balances.
Direct Deposit Wallets
USD wallets are insured up to $250,000 by the FDIC, with routing and account numbers enabled for direct deposit.
Referrals
Automatically configure and disburse bonuses to users or partners for successful referrals, with built-in referral links.
No-Code UI
Embed no-code UI components on both web and mobile apps, to display pending and earned rewards to cardholders.
Notifications
Configure white labeled SMS and email alerts that can be sent to cardholders for any earned bonuses and rewards.
Orchestrated No-Codes
We provide all of the UI you need to launch a world-class crypto debit card product! You can configure and deploy UI on the Hydrogen portal, with no-coding. Change logos, colors, fonts, and images. Our UI will always be white labeled. Program Options below explains card branding options.
Program Options
We support two options for companies, depending on their internal compliance procedures, VC funding received, complexity of the offering, and targeted customer base.
Crypto Lite
In this option, we roll up your users underneath the standard Hydrogen white labeled program. We manage the ledger at the bank, and the cards will have no branding. You have access to our admin portal and no-code libraries.
We recommend Lite for companies requiring a fast go-to-market.
Crypto Moon
In this option, we create a custom cardholder agreement for you with the bank and network. You have your own ledger at the bank, and the cards will have your branding.
Moon requires approval under the bank's high-risk process, so we only recommend it for very well-funded companies that have long time horizons for a go-to-market.
Frequently Asked Questions
How long do approvals take?
If you choose our "Crypto Lite" option, we can get you to market in 2-3 weeks. If you choose our "Crypto Moon" option, it will take 3-6 months (and we can't guarantee that the sponsor bank will approve you).
Is the Hydrogen Crypto no-code UI white labeled?
Yes! All of our no-code UI is white labeled and can be configured on our portal.
Does my company need to be based in the U.S. to use Hydrogen Crypto?
Yes. Your company must be registered in the U.S., you must have a U.S. based control person, and your users must be in the U.S. as well.
How does the ledger work?
In "Crypto Lite, Hydrogen controls the ledger at the bank and you settle up with us daily. In "Crypto Moon," you run your own ledger at the bank.
Does Hydrogen offer Just-In-Time funding?
Yes. This is only available in the "Crypto Moon" option. In the "Crypto Lite" option, cards can't have a $0 USD balance at the point of sale; users can request that USD be loaded to the cards from the ledger.
Still have questions?
