# Overview

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Our product is a fast and simple crypto-backed card issuance solution designed for everyday spending.

It allows users to instantly issue virtual payment cards backed by cryptocurrency balances and use them for online and offline payments, including mobile wallet and NFC payments where supported.

StarPay offers different types of virtual cards to support both short-term and long-term payment use cases, including prepaid cards and reusable cards with a crypto-backed balance.

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## Key features

* **Instant card issuance**\
  Users can issue a virtual payment card within seconds, without lengthy procedures or manual approval.
* **Immediate use**\
  Once issued, the card is immediately ready and can be added to **Apple Pay** or **Google Pay**.
* **NFC payments supported**\
  Pay with a smartphone or smartwatch anywhere NFC payments are accepted.
* **Crypto-backed balances**\
  Each card is connected to a cryptocurrency balance. When a payment is made, the required amount is automatically converted, allowing users to spend crypto as easily as fiat.
* **Everyday use cases**\
  Suitable for daily purchases, subscriptions, and travel-related expenses without typical cryptocurrency complexity.
* **Designed for different user types**\
  Works for individuals, freelancers, teams, and businesses that need fast access to crypto-powered payments.

{% hint style="info" %}
**The core idea of the product is simplicity and speed:** instant card issuance, immediate availability in major mobile wallets, and seamless conversion of crypto to cover payments.
{% endhint %}

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## Cost and issuance

{% hint style="success" %}
Card issuance is based on a transparent percentage-based fee model.

* **0.2% issuance fee** applied to the card amount
* **Minimum fee:** $5
* **Maximum fee:** $500
  {% endhint %}

### Benefits

* Bridges the gap between blockchain assets and everyday payments by enabling direct card-based spending.
* Allows users to spend and manage cryptocurrency in real-life scenarios without additional complexity.
* Instant card availability, mobile wallet support, and a simple interface create a smooth and reliable payment experience.


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