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In the wave of the digital economy, enterprise payment management faces numerous challenges: high costs of cross-border transactions, complex multi-currency settlements, a disconnect between cryptocurrencies and traditional finance, and cumbersome employee reimbursement processes… To address these pain points, corporate bank cards have gradually become one of the important ways to optimize fund management and expand payment scenarios.

As business upgrades, corporate silver cards are not just a transaction tool but have also become a brand asset for companies—helping to enhance customer loyalty and unlock new revenue opportunities. Therefore, white-label card solutions that support brand customization have emerged. As a financial technology innovation platform bridging Web2 and Web3, Interlace has launched a CaaS (Card as a Service) + white-label card customization issuance solution, which helps Web3 enterprises, exchanges, OTA travel platforms, AI teams, and cross-border trade companies reshape the payment experience through its fast, user-friendly, and secure solutions.

1. What is a white-label card?

A white-label card refers to a card that allows enterprises to personalize the design, such as adding a brand logo and customizing the card face design, adding differentiated styles to corporate bank cards. The core value of white-label cards lies in:

• Brand Sovereignty: Cultivating User Loyalty

White-label cards support enterprises in customizing card face designs and brand logos, which helps enhance user recognition. For team employees, using cards printed with the company brand can enhance their sense of belonging and loyalty; for end users, white-label cards can showcase the brand image, thereby boosting transaction confidence.

• Growth: Increasing Brand Exposure and Business Growth

White-label cards not only provide a secure and reliable brand payment experience but also simplify financial transactions and strengthen partnerships. As a daily payment tool for enterprises, using physical cards printed with the company logo in high-frequency business consumption scenarios can provide continuous brand exposure opportunities, helping to expand the customer base and achieve business growth.

2. Traditional Issuance Model: The Invisible Barriers to Personalized Payments for Enterprises

Despite the significant advantages of white-label cards, enterprises still face technical, qualification, and operational barriers and requirements when trying to achieve personalized card issuance through traditional paths:

1. Dual Barriers of Qualification and Compliance:

• Card organization and bank barriers: Enterprises need to connect with card organizations like Visa and Mastercard to apply for membership or find issuing banks to cooperate, which involves strict qualification reviews, high security deposits, and lengthy negotiation periods. Additionally, building an in-house card issuance system is not only technically complex but also limited by the bank's own system capabilities, service scope, and scheduling, making it difficult to meet the needs for flexible customization and rapid launch;
• High compliance costs: When dealing with multiple currencies and cross-border transactions, enterprises must independently cope with the financial regulatory laws of different countries and regions, as well as requirements such as AML and KYC, and must establish real-time and effective anti-fraud and risk management systems, leading to a sharp increase in compliance costs;

2. Heavy Burden of Technology and Operations:

• High costs of building systems in-house: From card lifecycle management (application, card production, issuance, loss reporting/replacement), transaction clearing and settlement, to building a risk control engine and user account system, significant funds are required to assemble a technical team for development and long-term maintenance;
• Lack of core financial infrastructure: The inability to connect directly with card organizations, clearing networks, and bank payment systems results in low transaction processing efficiency, long settlement cycles, and opaque fees;

3. Lack of Agility and Innovation:

• Slow response speed: Traditional model processes are lengthy, often taking months from the proposal of a need to the final delivery of the card to the user, making it difficult to quickly respond to market changes and business innovation needs;
• Low degree of customization: Standardized products offered by issuing banks or card organizations are often unable to meet enterprises' personalized needs in card face design, card BIN selection, specific benefit configurations, and API integration depth;

These pain points act like high walls, keeping many enterprises that desire personalized payment capabilities, optimized cash flow, and enhanced user experience at bay. Enterprises urgently need a lighter, more agile, and more cost-effective way to quickly realize their vision of personalized payments.

Interlace White-Label Issuance Solution: The Power of Brand + CaaS

Interlace, an innovative platform deeply engaged in financial infrastructure, profoundly understands enterprises' pain points and needs for personalized payments. It has innovatively launched a CaaS (Card as a Service) + white-label card solution, empowering enterprises with personalized card issuance and payment experiences through open and user-friendly API interfaces and deep customization capabilities.

1. Full-Stack Financial Infrastructure, Ready to Use:

• As a Principal Member of Visa in Hong Kong, Interlace has card issuance qualifications and ensures efficient, stable, and compliant transactions through deep integration with global card organization clearing networks like VISA. Additionally, Interlace provides over 30 card BINs and accounts and clearing capabilities covering multiple currencies such as USD and EUR, effectively solving cross-border payment settlement challenges;
• Developer-Friendly API: Interlace offers a complete and clear Open API interface and technical documentation, allowing enterprises to easily access the card issuance system in as little as fourteen days and integrate core capabilities such as recharge, transaction management, billing inquiries, and risk control compliance, achieving seamless integration of payment and business flows;

2. Brand White-Label Customization, Empowering Business Innovation:

• Through the Interlace white-label card solution, enterprises can gain control over card face design, adding brand logos and customizing visual elements (in compliance with card organization design specifications), creating a unique brand identity. Whether for employee cards or cards issued to end customers, they can become mobile brand communication carriers;
• After integrating with Interlace CaaS, enterprises can discover virtual or physical cards as needed, which can be linked to mainstream e-wallets like Apple Pay and Google Wallet for online consumption, as well as used for offline POS transactions, covering all user payment scenarios and greatly enhancing card convenience and brand exposure frequency;

3. Intelligent Risk Control and Global Compliance, Safe and Worry-Free:

• In terms of security mechanisms, Interlace has embedded compliance reviews, intelligent risk control, and fund custody technologies, as well as AML/KYC processes and data privacy protection mechanisms covering multiple jurisdictions, achieving PCI DSS Level 1 security standards. With the support of Interlace's compliance resources, enterprise users can reduce the technical, time, and financial costs of compliance investments, allowing them to focus their energy on business aspects.

Using Cards as a Medium to Drive a New Engine for Brand Growth

As payments increasingly become a core aspect of user experience today, a white-label card that carries the imprint of a company's brand is far more than just a transaction tool. It is a symbol of identity that enhances employee belonging, a business card that builds customer trust, a key hub that connects online and offline payment scenarios, and an invisible engine driving business growth.

Interlace's CaaS + white-label card solution, through full-stack financial infrastructure, flexible brand design, secure compliance, and an open and user-friendly API ecosystem, helps enterprises build personalized payment experiences in the Web3 era, optimizing payment management, strengthening brand image, and gaining new growth drivers with lower costs, more flexibility, and faster speeds.

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