Built on Solana · Devnet beta
Spend what you own. Never sell it.
A credit card backed by tokenized stocks, graded cards, watches and art notes. Lock your assets, borrow against them, spend — and keep everything you own.
•••• •••• •••• ••••
In development · Devnet beta
In development · Devnet beta · Not available yet
What you can lock
Real items, already tokenized on Solana.
Tokenized stocks, graded cards — including cards pulled from Solflare Packs — luxury watches and art notes.
Rolex "John Mayer" Daytona
Wristcheck 10$106,000
Rolex "Tiffany" Daytona
Wristcheck 10$102,820
Patek Philippe Aquanaut – Black Strap
Wristcheck 10$101,101
Audemars Piguet Royal Oak – Silver Dial
Wristcheck 10$51,315
Rolex "Pikachu" Daytona
Wristcheck 10$74,200
1999 Charizard 1st Edition Base Set
PSA GEM-MT 10$550,000
2002 Pikachu Reverse Foil Legendary Collection
PSA GEM-MT 10$400,000
2011 Lugia Holo Call of Legends
PSA GEM-MT 10$250,000
2002 Charizard Reverse Foil Legendary Collection
PSA GEM-MT 10$220,000
1999 Gengar Holo Japanese Vending
PSA GEM-MT 10$207,000
2002 Lugia Holo 1st Edition Wind From the Sea
PSA GEM-MT 10$54,000
2026 Monkey.D.Luffy SEC Treasure Cup Top 8 Prize
Beckett g10b$105,000
Rolex "John Mayer" Daytona
Wristcheck 10$106,000
Rolex "Tiffany" Daytona
Wristcheck 10$102,820
Patek Philippe Aquanaut – Black Strap
Wristcheck 10$101,101
Audemars Piguet Royal Oak – Silver Dial
Wristcheck 10$51,315
Rolex "Pikachu" Daytona
Wristcheck 10$74,200
1999 Charizard 1st Edition Base Set
PSA GEM-MT 10$550,000
2002 Pikachu Reverse Foil Legendary Collection
PSA GEM-MT 10$400,000
2011 Lugia Holo Call of Legends
PSA GEM-MT 10$250,000
2002 Charizard Reverse Foil Legendary Collection
PSA GEM-MT 10$220,000
1999 Gengar Holo Japanese Vending
PSA GEM-MT 10$207,000
2002 Lugia Holo 1st Edition Wind From the Sea
PSA GEM-MT 10$54,000
2026 Monkey.D.Luffy SEC Treasure Cup Top 8 Prize
Beckett g10b$105,000
Example of a tokenized item on Solana (Collector Crypt marketplace). Not affiliated with StockCard.
Lock. Borrow. Spend.
01
Lock
Deposit tokenized stocks, a graded card, a watch or an art note into the on-chain vault. You keep ownership — the program holds it, not us.
02
Borrow
Get a USDC credit line against what you locked. Borrow less, pay less — rates start at 9.9% APR.
03
Spend
Pay anywhere with your StockCard. Cashback from every purchase buys more of the asset you chose.
04
Repay anytime, take it back
No fixed schedule, no lock-ups. Repay and your collateral is yours again, immediately.
Credit, made legible
See exactly what you can borrow.
Lower LTV, lower rate. The safety rules are enforced by the on-chain program — the same math runs here.
Credit line
$5,000
APR at this LTV
12.9%
Daily interest
$1.24/day
Liquidation below
$5,385
At $3,500 borrowed against $10,000 of stocks, the price can fall 46% before liquidation.
In development · Devnet beta · Not available yet. Borrowing against assets carries the risk of liquidation.
Cashback
Every purchase buys you more of what you own.
Cashback is paid in the real asset you pick — and lands straight in your collateral position, so spending grows the thing you never wanted to sell.
Highest cashback on spend up to a quarter of the credit you use.
Example · Plus tier
In development · Devnet beta · Not available yet
Membership
Pick your finish.
Cashback is paid in the real asset you pick. Max LTV and liquidation terms never depend on tier.
•••• •••• •••• ••••
In development · Devnet beta
Black · €39.99/month · €399/year
In development · Devnet beta · Not available yet
- Cashback 2.5%, paid in the real asset you pick
- Top rate applies to spend up to 25% of credit in use, max €4,000 (then 0.75%)
- Credit APR from 9.9%
- Savings APY +1 pt
- Metal card
- Lock stocks, cards, watches, art notes
Planned benefits
- Alerts before liquidation: in-app + push, + SMS
- Art drops: priority allocation
- Airport lounges: card-network lounge program
- Travel & purchase insurance included
- Grading & vault credits included
- FX markup: 0%
- Fast Track security: 4 per year
- Trip / event cancellation: up to 70%, max €5,000/year
- Global eSIM data: monthly allowance
- Subscriptions: pick 2 of Financial Times, Perplexity Pro, NordVPN, Headspace, MasterClass
Benefits depend on partner and issuer agreements and may change.
Founding member offer
Founding APR
−2 pt for 12 months on the first €5,000 of balance — first 1,000 waitlist members who activate within 90 days of launch.
Plus on us
3 months of Plus for every referral.
Founding saver
+1 pt APY on your first $10,000 for 6 months.
Founders metal card
Numbered design for the first 250 Black members.
Savings
Earn ~6% on USDC.
Your savings fund the credit lines. Borrowers pay interest; 60% of it goes to savers. The rate is variable — it moves with real borrowing demand, not a subsidy.
Savings is in development and not available in the EU until regulatory approval.
How we compare.
| StockCard (proposed) | KAST | Nexo | Revolut Ultra | Crypto.com Visa | ether.fi Cash | |
|---|---|---|---|---|---|---|
| Membership price | Free / €9.99 / €39.99 per month | Free / $1,000 per yr / $10,000 per yr | Free (tier = share of NEXO held) | €65/month (NL, Sept 2026) | Subscription $4.99–29.99/month or CRO lock-up | Free Core; paid tiers |
| Top cashback | 2.5% in the real asset you pick (on spend up to 25% of credit in use) | 3% (Private tier) | Up to 2% in NEXO (0.5% in BTC) | Not the headline benefit | 2–5% in CRO with lock-ups (8% Prime) | 3% up to $2,000/month, paid in wETH |
| Borrow against | Stocks, graded cards, watches, art | — | Crypto | — | — | Crypto (Borrow Mode) |
| Borrow rate | 9.9–14.9% (from 8.9% with discounts) | — | 2.9%–18.9% by tier and LTV | — | — | Lending-market rate (not checked) |
| Earn on stablecoins | ~6% variable, funds loans | Earn product (rate not checked) | Up to 13% (by tier) | — | Not compared | Not compared |
| Custody of collateral | On-chain program | Not checked | Custodial | Bank | Custodial | Self-custodial (per its site) |
Competitor details from their public sites and reviews, September 2026. Check the provider for current terms.
Try the demo
It already runs on devnet.
The full loop works today with test assets: claim test money, buy in the Demo Shop, lock it, spend. Nothing is real — that’s the point of a beta.
Open the devnet app ↗In development · Devnet beta · Not available yet
- 01Claim test money from the faucet
- 02Buy a stock, card or watch in the Demo Shop
- 03Lock it in the vault
- 04Spend with the card
Built so you sleep at night.
A buffer before anything happens
Your borrowing limit sits well below the liquidation threshold. There's room for prices to move before you're at risk.
Alerts before liquidation
In-app and web push alerts warn you as your position weakens, so you can add collateral or repay in time. Liquidation is a last resort, never a surprise.
Your collateral stays on-chain
Assets sit in an on-chain Solana program, not with us. The safety rules are code — StockCard can't move your collateral.
Real assets, not memecoins.
A credit line is only as good as what stands behind it. We back spending with things that hold value: company shares, graded collectibles, watches, art.
What we never accept: memecoins, governance tokens, or anything whose price exists because of a joke. If it can’t be appraised, graded or audited, it isn’t collateral.