Crypto card top-ups
Use 0Gate as a hosted funding path for approved crypto card or spend-account top-up experiences.
Crypto card top-ups are a good fit for 0Gate when your product needs a hosted funding flow before a user can spend from a card, wallet, or spend account. 0Gate should handle the hosted ramp or swap journey; your product should handle card-program eligibility, account state, limits, and the final ledger update after verified events.
Pattern
Implementation model
| Step | Owner | Rule |
|---|---|---|
| Card or spend-account eligibility | Your platform | Confirm the user can top up before opening 0Gate. |
| Funding session | Your backend and 0Gate | Create a session with amount, currency, flow, return URL, and user reference. |
| Hosted funding UX | 0Gate | Keep the payment/ramp journey inside the hosted surface. |
| Completion | Your backend | Verify webhook events before crediting the card or spend ledger. |
| Support | Both teams | Store session id, user reference, transaction ref, event id, and request id. |
Good fit
- Wallets that let users add stablecoin balance before card spend.
- Fintech apps that need a hosted funding path for an approved card program.
- Consumer apps that want to start from a "Top up" button and return to a balance screen.
Do not claim
- That 0Gate issues cards or approves card programs.
- That every country, fiat currency, card product, or asset is supported.
- That browser success is enough to credit spendable balance.
- That partner card economics, fees, limits, or dispute rules are part of the public 0Gate contract.