Intro

Over the past decade, crypto has moved from fringe experiment to a multi-trillion-dollar asset class, but at the checkout counter, it still hits a wall: too few merchants, too many conversion steps. This gap between digital assets and everyday spending keeps mass adoption at arm’s length.

One of the most practical answers now appearing is the crypto card: a useful product that lets you pay with crypto (or any supported token) without the need to convert.

PolyFlow’s answer is the PolyFlow Crypto Card, the flagship of our “Pay with Crypto, Earn the Future” campaign, which will serve as a cornerstone of the initiative, becoming a primary vehicle for the mainstream “Pay with Crypto” movement.

Here’s how it works. The card is tied to a self-custodial wallet; the moment you tap, insert, or swipe at a terminal—or type the digits into an e-commerce site—the provider liquidates the exact crypto sum needed, swaps it into local fiat at the live market rate, and settles the transaction in milliseconds. Need cash? Stick the same card into a compatible ATM and the same instant conversion occurs before the bills come out.

Powering the back-end is Pelago Connect, our payments gateway that already on-boards thousands of online and brick-and-mortar stores. Every purchase earns instant crypto-back, so you spend digital assets and stack more at the same time.At the same time, PolyFlow is also partnering with Roam—the world’s largest decentralized wireless network—to issue the Roam Crypto Card, bringing spend-anywhere crypto payments to Roam’s 2 million+ global users.Our north star at PolyFlow is simple: fuse legacy rails with blockchain until sending value feels as frictionless—and as meaningful—as sending a text.