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Bridging Crypto and Card Payments: Digital Infrastructure Powered by Finpace

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Founded: 2013

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Headquarters: Hong Kong

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Industry: Cryptocurrency, Payments

The client is a Hong Kong–based fintech company specializing in crypto-native financial services for high-net-worth individuals and institutional investors. In 2024, the firm launched the Key Consensus Project, designed to provide seamless access to fiat and stablecoin assets through modern payment infrastructure.

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To bring this vision to life, the company partnered with Finpace. The initiative leveraged a mobile application for end users and a web-based administrative portal, supported by Finpace’s Core Banking System (CBS) and wallet infrastructure. This integrated approach combined crypto custody, fiat card payments, and real-time transparency across all transactions.

The challenge

The Key Consensus Project was developed to address a fundamental gap in digital finance: the absence of direct infrastructure connecting crypto wallets with global card payment systems.

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The firm required a platform that would:​

  • Allow users to fund and transact with cards directly from crypto wallets.

  • Ensure real-time transaction visibility alongside automated compliance reporting.

  • Support custom fee structures to preserve profitability and flexibility.

  • Enable seamless integration with custodial partners (e.g., Fireblocks) and card issuers (e.g., REAP).

"Finpace’s modular platform provided the core infrastructure we needed to realize our vision for card-based crypto payments. Their technical expertise and flexibility enabled us to go to market quickly, with full confidence in compliance, security, and long-term scalability." — Chris Lee, CIO

The solution

Finpace delivered a tailored implementation of its wallet and CBS infrastructure, designed specifically for crypto-to-fiat payment scenarios.

Key features included:

 

Integrated Crypto-Fiat Bridge: Direct connectivity with Fireblocks for custodial wallets and REAP for credit card issuance, enabling card funding directly from crypto balances.

 

Customizable Fee Structures: Administrators could configure conversion fees, spreads, and transaction charges within Finpace’s CBS—ensuring adaptability to evolving business models.

 

Automated Oversight: Real-time monitoring of transactions, conversions, and fees, providing full compliance and transparent reporting.

 

Scalable Architecture: Future-ready infrastructure supporting additional modules such as staking, asset visibility, and advanced role-based access controls.

The impact

With Finpace’s infrastructure, the client launched its MVP for the Key Consensus Project, achieving:

  • First-of-its-kind Card Integration: Crypto balances seamlessly linked to global card networks for fiat spending.

  • Enhanced Administrative Control: Comprehensive, exportable transaction data available in real time.

  • Improved Customer Experience: A mobile-first platform offering intuitive balance visibility and funding flows.

  • Accelerated Market Entry: Rapid deployment with enterprise-grade security, scalability, and compliance.

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