Prepaid Mastercard Cards Can Now Be Topped Up With Stablecoins

FinTech company Kima introduced a solution that enables users to top up prepaid Mastercard cards directly from non-custodial crypto wallets using stablecoins.

Kima, a decentralized P2P payment protocol, announced its integration with the Mastercard Sandbox-as-a-Service platform. The new solution allows users to fund prepaid cards with USDC and USDT stablecoins without intermediaries. This innovation enables the use of digital assets in over 200 countries, across millions of merchants and more than 200,000 ATMs.

The integration of Kima into Mastercard’s digital sandbox showcases the real-world utility of stablecoins as a means of everyday payments. Using Kima’s SDK, card issuers can implement balance top-up functionality with stablecoins, eliminating the need for centralized exchanges, bridges, or custodial services.

The process is streamlined — users initiate a transaction via an app, confirm it in their wallet, and the funds are instantly credited to the issuer’s account and the prepaid card. The system supports interactions with over ten blockchain networks, including Ethereum, Solana, and TRON.

Targeted at both institutional and retail users, the integration is easily scalable for neobanks, payment service providers, Web3 projects, and payroll platforms. The Mastercard sandbox demo allows partners to simulate the entire user experience, from selecting a network and wallet to topping up a virtual card.

An example cited in the press release involves card issuer Pai. Kima’s solution enabled instant card top-ups from crypto wallets, compliance with AML and KYC regulations, reduced operational costs, and faster time-to-market for financial products.

Thanks to its collaboration with the Mastercard FinSec Innovation Lab, which began last year, Kima gained access to a network of financial institutions, regulators, and experts, further advancing its protocol’s integration into banks and FinTech companies.