# Crypto Balance & Payments

<figure><img src="/files/JALbT67BdflxqEQFURNg" alt="" width="188"><figcaption></figcaption></figure>

Each issued card is directly linked to a crypto-backed balance, allowing users to spend cryptocurrency in real-world payment scenarios without manual conversions or additional steps.

Users can fund the card with supported cryptocurrencies. The available balance is updated in real time and shown alongside its fiat equivalent, providing clear visibility into available funds and spending amounts.

***

## How Payments Work

When a card payment is made, the platform automatically converts the required amount of cryptocurrency into fiat currency at the moment of purchase.

The payment flow works as follows:

{% stepper %}
{% step %}

### A payment is initiated

A card payment is initiated by the user, either online or via a supported payment method.
{% endstep %}

{% step %}

### Available crypto balance is checked

The system verifies that the card’s crypto-backed balance is sufficient to cover the transaction amount.
{% endstep %}

{% step %}

### Required amount is converted

The necessary amount of cryptocurrency is automatically converted at the current rate to complete the payment.
{% endstep %}

{% step %}

### Merchant receives fiat

The merchant receives the payment in fiat currency, just like with a standard card transaction.
{% endstep %}

{% step %}

### Crypto balance is updated

The card’s crypto-backed balance is updated instantly to reflect the completed transaction.
{% endstep %}
{% endstepper %}

This process happens in seconds and feels identical to paying with a traditional card.

***

## Supported Payment Scenarios

The crypto-backed card can be used for:

* Online purchases
* In-store payments
* Contactless payments via mobile wallets
* Subscriptions and recurring charges

There is no need to pre-exchange crypto before making a payment. As long as sufficient balance is available, the card can be used seamlessly.

***

## Transaction Visibility

Each card payment is recorded with clear and transparent transaction details, allowing users to easily track spending activity.

| Detail        | Description                         |
| ------------- | ----------------------------------- |
| Date & time   | When the transaction occurred       |
| Merchant      | Where the payment was made          |
| Fiat amount   | Purchase amount in fiat             |
| Crypto amount | Amount deducted from crypto balance |

{% hint style="info" %}
Make sure your balance covers the purchase amount plus any applicable conversion fees to avoid declined transactions.
{% endhint %}


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.starpayinfo.com/welcome/crypto-balance-and-payments.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.