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Kulipa

Kulipa

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About Kulipa

Kulipa enables crypto wallets to launch branded debit cards with Visa/Mastercard support, Apple & Google Pay integration, compliance layers, and a custom admin dashboard.

wallet debit card crypto payments

Kulipa is a next-generation crypto payment infrastructure platform that enables crypto wallets to issue branded debit and prepaid cards to their users. The platform is specifically designed to solve one of the biggest challenges in the crypto ecosystem — real-world utility. Through its powerful and flexible API, Kulipa makes it possible for wallets to integrate seamless card issuance, enabling users to spend crypto anywhere Mastercard or Visa is accepted.

With a vision to bring mainstream adoption of stablecoins and make non-custodial wallets a part of everyday life, Kulipa is transforming how payments work across the globe. Its holistic approach to financial infrastructure — including support for Apple Pay®, Google Pay™, and instant settlements — means wallets can now offer full banking-like experiences without compromising on security, self-custody, or regulatory compliance. Kulipa is trusted by industry leaders like Argent, Circle, Fabric, White Star Capital, and GSR, showing strong momentum in both crypto and fintech sectors.

Kulipa was created to tackle the inefficiencies and limitations of the traditional financial system — especially for crypto users. The problems it addresses are profound: high costs for cross-border transactions, slow settlement times, lack of banking access for over a billion people, and rising inflation in emerging markets. By enabling crypto wallets to offer payment cards directly connected to users’ crypto balances, Kulipa effectively turns wallets into modern banks.

The project’s flagship features include white-label card programs, robust API support, and full compliance management. This all-in-one solution covers everything from KYC and regulatory onboarding to card design and transaction processing. Wallet developers can launch their own card products in just a few simple steps — integrating the API, designing a frontend, customizing cards, and going live. This system drastically reduces time to market and simplifies technical integration. One of the most notable implementations is with Argent, which partnered with Kulipa to launch a state-of-the-art debit card product for its 2 million users.

The solution is also deeply optimized for mobile with built-in integrations for Apple Pay® and Google Pay™, offering a frictionless experience that rivals mainstream fintechs like Revolut, Crypto.com, and MoonPay. However, unlike these custodial platforms, Kulipa focuses on self-custody, privacy, and decentralization — key tenets for Web3 ecosystems.

The project is led by a team of payment and crypto veterans and is currently building at Station F, one of Europe’s leading startup campuses. Kulipa's roadmap suggests further enhancements in incentive mechanics like cashback, referral systems, and loyalty rewards. It also emphasizes the importance of global scalability and support for multiple stablecoins and blockchains. As Web3 grows, Kulipa is poised to be a foundational infrastructure provider for real-world crypto utility.

Kulipa provides numerous benefits and features that make it a standout project in the crypto payments infrastructure space:

White-labeled Card Issuance: Easily create custom-branded cards to reflect your wallet’s identity and attract new users organically.
API-first Architecture: Integrate a powerful and flexible API with full control over the payment experience, card behavior, and user flow.
Turnkey Deployment: Get a full solution with compliance, licensing, settlement, and card manufacturing all handled by Kulipa.
Mobile-Ready Integrations: Offer seamless support for Apple Pay® and Google Pay™ to compete with mainstream banks and fintechs.
Frictionless User Experience: Let users spend crypto directly with no top-up or off-ramp delays — just scan, tap, and pay.
Customizable Admin Dashboard: Monitor your card program in real time, adjust limits, track user behavior, and get expert support.
Compliance & Security: All legal, regulatory, and KYC challenges are handled out of the box, allowing you to focus on your core product.

Kulipa makes it easy to launch your own crypto card program in just a few steps:

Step 1 – API Integration: Access and integrate the Kulipa API and webhook endpoints to connect your wallet backend with the card infrastructure.
Step 2 – Frontend Development: Build the card UI directly into your wallet application, letting users easily manage and use their payment cards.
Step 3 – Card Customization: Personalize your card design, limits, regions, and user permissions to fit your wallet’s branding and audience.
Step 4 – Launch: Go live and immediately start issuing cards to your users. Kulipa handles the compliance, fulfillment, and user support.

Kulipa FAQ

Yes, Kulipa was built with flexibility in mind. Wallets can layer additional features like cashback, incentive programs, and referral bonuses on top of the core payment experience. These can be configured using the API and tailored per user, region, or transaction type, making it ideal for enhancing user retention and growth.
Kulipa is one of the few platforms that brings together traditional payment compliance with Web3 principles. All cards operate with bank-level security (including EMV, tokenization, and fraud detection), but still connect directly to non-custodial wallets. This means end-users retain full control of their assets while enjoying modern protection.
Kulipa is compatible with both custodial and non-custodial wallets, but it was especially designed to empower non-custodial setups. It supports self-custody architecture through its API, enabling wallets like Argent to offer debit cards without ever taking control of users' funds. This gives wallets complete flexibility over their integration strategy.
Absolutely. Kulipa is built with a multi-currency, multi-chain future in mind. It supports stablecoins across popular chains, and lets users pay in the currency of their choice, while handling the FX and settlement complexities on the backend. Wallets serving diverse regions and user types will find this particularly valuable.
Yes, and this is one of Kulipa’s core advantages. The platform handles all necessary compliance, licensing, and third-party integrations so you don’t have to. Whether you’re a startup or a growing wallet provider, you can launch globally-accepted Visa or Mastercard programs without becoming a licensed financial institution yourself.