Payments & Cards

Introduction

JamFi cards bring DeFi utility into the real economy, allowing users to spend their digital assets directly through virtual and physical cards. Integrated with Visa and Mastercard networks, they connect crypto deposits, lending rewards, and staking incentives to everyday financial activity. With JamFi Cards, users can use stablecoins or protocol-generated income for online payments, point-of-sale transactions, and ATM withdrawals around the world.

The card program is an essential utility layer of JamFi. It translates on-chain participation into real-world benefits and helps bridge the gap between DeFi users and traditional payment systems. For new users, JamFi Cards simplify entry into the ecosystem, while for experienced participants they maximize the value of staking and governance.

Types of Cards

Virtual Cards are instantly issued via the JamFi app and are ideal for online purchases, subscriptions, and e-commerce. They are also the entry point for staking-related bonuses, such as higher cashback tiers.

Physical Cards extend the same account into the offline world. They can be used globally wherever Visa and Mastercard are accepted, support contactless payments, and provide ATM access for fiat withdrawals.

Both types of cards are linked to the JamFi app, where users can manage balances, track transactions, and instantly top up cards using assets from their JamFi accounts.

Integration with $JAMI

JamFi Cards are tightly linked to $JAMI and convert token ownership into practical advantages. Stakers unlock higher cashback multipliers, reduced FX spreads, lower network and service fees, and access to premium card tiers with higher limits and priority support. Reward tables and fee schedules are parameterized so that DAO can adjust thresholds, multipliers, and eligibility in a transparent way.

Card rewards are funded from protocol revenues and a dedicated rewards pool that may include $JAMI buybacks. Spending and staking form a positive loop: active cardholders who lock $JAMI receive better terms, and protocol activity reinforces the value of these terms over time. Card balances can be topped up from jamiUSDC or jamiUSDT, which keeps the experience chain-agnostic and consistent with unified liquidity.

Privileges and Bonuses for Stakers

Stakers receive boosted cashback on online and in-store purchases, reduced card and FX fees, and access to premium designs and higher limits. Virtual card users who maintain staking thresholds can unlock recurring loyalty drops in $JAMI and temporary APY boosts on eligible JamFi products. Usage-based milestones can grant seasonal perks such as fee holidays, travel benefits, or partner discounts.

Cross-Border Usage

JamFi Cards are seamlessly connected with the protocol’s cross-border payment layer. This means that users can deposit stablecoins, convert them into local currencies, and spend abroad directly through their JamFi Card. Instead of dealing with high spreads and delays of traditional remittance systems, users benefit from instant settlement and lower fees, with card transactions serving as the final spending instrument. In practice, this allows JamFi Cards to act as both a payment tool and a gateway for international value transfer.

Security and Compliance

Cards are issued with regulated banking partners under a licensed BIN. All users complete KYC and ongoing AML screening with sanctions and PEP checks. Processing follows PCI DSS, 3DS2 and strong customer authentication. The app supports instant freeze and unfreeze, dynamic spend limits, merchant category controls, and country restrictions.

Fraud prevention includes tokenized PANs, device binding, velocity rules, anomalous-behavior flags, and real-time risk scoring. Settlement partners provide reporting and dispute handling that align with card-network rules. Governance can publish compliance updates and parameter changes in advance so business users can adjust their flows without surprises.

Long-Term Vision

JamFi’s card program is planned to evolve into a global payment layer that routes on-chain liquidity into everyday spending with minimal friction. The near-term focus is deeper settlement integration, richer reward logic that adapts to protocol performance, and enterprise features for programmatic issuance. This positions Cards as a strategic bridge between decentralized markets and familiar retail payments.

Future iterations will include:

• Direct crypto-to-fiat settlement with minimal reliance on intermediaries.

• Dynamic rewards that adjust in real time to protocol activity and staking tiers.

• Institutional integrations for businesses to issue JamFi-powered cards to teams or customers.

• NFT-linked cards that provide unique identity and unlock premium utilities.

By combining liquidity, staking, governance, and real-world spending, JamFi Cards become a powerful adoption driver for the ecosystem. They extend protocol utility beyond wallets into daily transactions and create a clear path for value to flow back to committed users. This combination of on-chain yield and off-chain convenience makes Cards a cornerstone of JamFi’s expansion strategy.