Payactiv’s new card is built on PACT
Payactiv pioneered earned wage access and has served millions of American workers. Now its users can get their whole paycheck early and spend it instantly.
Everything You Need to Launch a Card
Multi-currency core ledger
$
$Collateral managementSelf-custody, user-set limits, holds, and automated liquidation.
Privacy-enhanced spendBatched holds instead of per-purchase allowance pulls.
Cooperative authReal-time authorization via i2c. Use our fraud tools or bring your own.
Stablecoin or fiat settlementLower reserve requirements.
FDIC-insured sponsor bank, or BYOBWe bring the bank, or plug into yours.
The Best of Both Worlds
Your Brand
Paying with {{payWith}}
Aave · USAT4.1% APY6,040.00
Morpho · USDT5.3% APY6,368.21BTC collateral0.4200
Gold collateral2.5000 ozLoan-to-valueLiquidation
USDT8,120.00USAT4,288.21
FDIC-InsuredUSD deposit account
Banking services provided by CBKC, Member FDIC.
$USD5,200.00
Give Users Real Utility
Spend anywhere Visa is accepted, just like a bank account, with far more flexibility in what funds each purchase.
Talk to Sales →Card activityLive
Improve Your Unit Economics
24/7/365 settlement means less cash parked in reserves and more capital working for your program, plus competitive interchange on every swipe.
Talk to Sales →Program capitalSame program, two ways to settle2.5× capital working
Bank settlement30% working
24/7 stablecoin settlement75% working
Locked in reserveWorking capital
Card program