In the rapidly evolving world of digital finance, stablecoins have emerged as a critical bridge between traditional financial systems and the decentralized future of Web3. Designed to minimize volatility by pegging their value to fiat currencies like the U.S. dollar, stablecoins are transforming how value moves across borders and ecosystems. According to ARK Invest’s Big Ideas 2025 report, stablecoin transaction volume reached an astonishing $15.6 trillion in 2024—highlighting their explosive growth and increasing relevance in global finance.
Yet, despite this surge in transactional use, stablecoins remain largely disconnected from everyday consumer spending. While they dominate in trading, remittances, and DeFi protocols, their adoption for routine purchases—like groceries, subscriptions, or travel—has been slow. The core issue? A fragmented user experience that forces crypto holders to navigate cumbersome exchange processes just to spend their digital assets.
But what if you could spend your USDC or USDT as easily as swiping a credit card?
Enter Interlace, a next-generation financial infrastructure platform redefining how stablecoins integrate into real-world commerce through the convergence of stablecoin technology and Card-as-a-Service (CaaS).
The Stablecoin Paradox: High Volume, Low Utility
Stablecoins were created to solve one of crypto’s biggest challenges: price volatility. By maintaining a 1:1 peg with fiat currencies, they enable fast, low-cost transfers without the risk of sudden value swings. VanEck forecasts that by 2025, global stablecoin daily settlement volume could hit $300 billion—a testament to their growing role in international finance.
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However, this widespread transactional use hasn’t translated into mass consumer adoption. Why?
First, merchant hesitation persists due to concerns over compliance, fraud, and technical integration. Most point-of-sale systems aren’t built to accept cryptocurrency payments directly, and integrating blockchain rails requires significant backend overhaul.
Second, user friction remains a major barrier. To spend stablecoins today, users typically must:
- Transfer funds from a wallet to a centralized exchange
- Sell stablecoins for fiat currency
- Withdraw to a bank account
- Load funds onto a debit card
This multi-step process can take hours or even days, defeating the purpose of instant digital money. It also introduces unnecessary fees and currency conversion losses—discouraging practical usage.
The result? Millions of dollars in "idle" crypto assets sitting unused in wallets, while users revert to traditional cards for daily spending.
CaaS Revolution: Bridging Web3 and Real-World Payments
Interlace tackles these challenges head-on by merging stablecoin functionality with modern Card-as-a-Service (CaaS) architecture. At the heart of its solution is the Infinity Card—a virtual and physical card ecosystem that enables seamless conversion from crypto to fiat at the point of sale.
More than just a spending tool, Interlace offers a full-stack CaaS API that allows businesses to issue branded cards—virtual or physical—in as little as two weeks. This empowers fintechs, exchanges, and Web3 platforms to embed real-time spending capabilities directly into their services.
Two key innovations power this transformation:
1. Interlace CryptoConnect: Instant Liquidity & Price Locking
CryptoConnect is the engine behind Interlace’s real-time settlement system. It supports major assets like USDT, USDC, BTC, and ETH, enabling secure storage and instant conversion during transactions.
One standout feature is its 15-second price lock mechanism. When a user initiates a purchase, the system scans liquidity across hundreds of exchanges and locks in the exchange rate for 15 seconds—ensuring no slippage even during high volatility. This eliminates one of the biggest pain points in crypto spending: unpredictable pricing during checkout.
Behind the scenes, advanced routing algorithms optimize trade paths across liquidity pools, guaranteeing fast execution and minimal spread costs.
2. Multi-BIN Card Support: Flexibility Meets Security
Interlace supports over 30 BIN (Bank Identification Number) ranges, allowing businesses to tailor cards based on region, network (Visa/Mastercard), and use case. Whether issuing virtual cards for SaaS subscriptions or physical cards for business travel, organizations can customize controls down to merchant category codes (MCCs), spending limits, and geolocation restrictions.
Cards can be linked to Apple Pay and Google Wallet for contactless mobile payments, enhancing convenience without compromising security.
👉 See how businesses are turning crypto into usable spending power overnight.
Unified Financial Infrastructure: Global Accounts + Infinity Cards
Interlace goes beyond payments by integrating its Global Accounts platform with Infinity Cards—creating a unified financial operating system for businesses.
Imagine this scenario:
A European startup receives payment in USD from a U.S.-based client. Using Interlace Global Accounts, those funds are instantly converted into USDC and held securely on-chain. Later, the company uses an Infinity Card to pay a developer in Singapore—all within the same dashboard, with no need to move money between banks, exchanges, or wallets.
This end-to-end workflow streamlines cash flow management, reduces operational overhead, and accelerates cross-border transactions—all while maintaining full regulatory compliance.
Built for Trust: Compliance and Security by Design
Security isn’t an afterthought at Interlace—it’s embedded into every layer of the platform.
- KYC/KYB verification is supported via API or hosted solutions
- KYT (Know Your Transaction) tools monitor on-chain activity for suspicious behavior
- AML screening ensures adherence to global anti-money laundering standards
These features help enterprises meet regulatory requirements across jurisdictions—including the U.S., EU, and Southeast Asia—without sacrificing speed or scalability.
Additionally, Interlace holds top-tier certifications such as PCI-DSS Level 1, the highest standard for payment data security. It’s also licensed under Hong Kong TCSP, U.S. MSB, and Lithuania VASP frameworks—proving its commitment to合规 operation worldwide.
Since its founding in 2019, Interlace has issued over 6 million cards, served more than 7,500 businesses, and processed over 60 million transactions annually—a clear signal of growing trust in its infrastructure.
Unlocking Financial Inclusion Through Practical Innovation
Interlace’s approach represents a shift from speculative crypto use toward practical financial utility. By lowering the barrier to entry for crypto spending, it enables small businesses, freelancers, and underbanked populations to participate in the global economy more freely.
This aligns with the broader vision of PayFi—the fusion of payments and decentralized finance—which aims to make financial services accessible, transparent, and borderless.
Unlike radical DeFi experiments that operate outside traditional systems, Interlace chooses integration over disruption. By working within existing payment networks and regulatory frameworks, it delivers innovation that’s not only powerful but sustainable.
Frequently Asked Questions (FAQ)
Q: What is Card-as-a-Service (CaaS)?
A: CaaS is a platform model that allows companies to issue payment cards—virtual or physical—through APIs. It enables fintechs, crypto platforms, and enterprises to launch branded card programs quickly and at scale.
Q: Can I spend stablecoins directly with Interlace?
A: Yes. With the Infinity Card, your stablecoin balance (e.g., USDC or USDT) is automatically converted to fiat at the point of sale—no manual trading required.
Q: Is Interlace available globally?
A: Interlace operates internationally and supports multi-currency accounts and cards across regions including North America, Europe, and Southeast Asia.
Q: How does Interlace handle exchange rate fluctuations?
A: Through its 15-second price lock feature, Interlace freezes the conversion rate during checkout—protecting users from volatility during transactions.
Q: Do I need technical expertise to use Interlace’s CaaS API?
A: While some development knowledge helps, Interlace provides comprehensive documentation and support to enable rapid integration—even for non-technical teams.
Q: Are there consumer cards available for individuals?
A: Currently, Interlace focuses on B2B solutions and partners with financial institutions that offer consumer-facing products using its infrastructure.
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By merging stablecoins, CaaS, and global banking infrastructure, Interlace is paving the way for a new era of digital finance—one where crypto isn’t just held, but used. As adoption grows and user expectations evolve, platforms like Interlace will play a crucial role in making cryptocurrency truly spendable—and ultimately, indispensable.