A stablecoin pledge is not a cash top-up.
Only approved USDC and USDT on Ethereum are accepted. The credit limit is 100% of that collateral value. It is a credit line backed by that collateral.
- A balance-funded product spends an available balance rather than creating a collateral-backed loan.
- Conversion, network and merchant fees depend on the applicable programme terms.
- Stablecoin issuer and custody risks still apply even without a credit line.
- Approved USDC or USDT is available to pay in the same dollar amount, once the chain confirms it.
- Card payments draw that amount down. What is left is the deposit minus what you have already paid.
- Balances, activity and card controls sit in the same account.