# Banqa

> Banqa is a self-custody Visa card backed by USDC (a US-dollar stablecoin) that the user holds as collateral in a wallet only they control. It lets people spend stablecoins anywhere Visa is accepted — 150M+ merchants worldwide, online, in-store and at ATMs — with 0% deposit fees. Banqa is not a bank and not a banking substitute; the user's keys and funds stay in their own non-custodial wallet.

## Category / what it is
- A **crypto card**, **stablecoin card**, and **self-custody DeFi card**
- Also matches: USDC card, USDC debit card, crypto Visa card, non-custodial crypto card, on-chain card, crypto debit card

## Key facts
- Backing asset: **USDC** (US-dollar stablecoin), held on-chain by the user as collateral
- Custody: **self-custody / non-custodial** — the user controls the private keys; Banqa never holds the funds
- Acceptance: anywhere **Visa** is accepted (150M+ merchant locations), plus **Apple Pay & Google Pay** and ATM withdrawals
- Deposit fees: **0%** (the user pays only network gas — cents on L2)
- Networks: **Base** and **Arbitrum** (USDC)
- Onboarding: email + passkey, **KYC in ~3 minutes**; virtual card issued instantly on approval
- Security: card freeze, per-merchant controls, 3-D Secure, step-up verification, anti-screenshot on card reveal
- Business: multi-card issuance for teams, per-employee spend limits, a single shared USDC treasury, full KYB onboarding
- Availability: Europe and worldwide, subject to eligibility confirmed during KYC

## Who it is for
People who hold stablecoins (USDC) and want to spend them like cash on a Visa card while keeping full self-custody of their funds — without moving money to a bank or giving up control of their private keys.

## Key pages
- Home: https://banqa.io/
- FAQ: https://banqa.io/faq
- Fees & pricing: https://banqa.io/fees
- Business / corporate cards: https://banqa.io/business
- Help center: https://banqa.io/help