> For the complete documentation index, see [llms.txt](https://docs.valeo.one/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.valeo.one/valeo-cards/cards-overview.md).

# Cards Overview

#### **Card Product Suite**

Valeo Cards bridge cryptocurrency and traditional payment infrastructure, enabling users to spend digital assets anywhere Visa is accepted.

<figure><img src="/files/wItCMlrG98KRKVIAI3kR" alt=""><figcaption></figcaption></figure>

**Card Types:**

| Card Name       | Form          | Availability | Features                                                        |
| --------------- | ------------- | ------------ | --------------------------------------------------------------- |
| **Valeo One**   | Virtual Card  | Q1 2026      | Instant issuance, online payments, subscription management      |
| **Valeo Mille** | Physical Card | Q1 2026      | Most exclusive crypto card, limited to 1,000 pieces, VIP perks. |

#### **How Valeo Cards Work**

**Transaction Flow:**

```
1. Card Presented at Merchant (Physical/Virtual)
        ↓
2. Merchant Requests Authorization (Visa Network)
        ↓
3. Valeo Receives Authorization Request
        ↓
4. Real-Time Crypto → Fiat Conversion
        ↓
5. Balance Check & Fraud Detection
        ↓
6. Authorization Approved/Declined
        ↓
7. Crypto Debited from User Wallet
        ↓
8. Fiat Settled to Merchant (T+1/T+2)
        ↓
9. Transaction Appears in App Instantly
```

**Conversion Mechanism:**

| Step             | Process                  | Time      | Example         |
| ---------------- | ------------------------ | --------- | --------------- |
| Merchant charges | USD amount               | Instant   | $50.00 purchase |
| Spot rate check  | Crypto/USD pair          | <100ms    | 1 USDC = $1.00  |
| Crypto debit     | Wallet balance reduction | <1 second | -50 USDC        |
| Fiat settlement  | Merchant receives USD    | 1-2 days  | $50.00 credited |

#### **Supported Currencies**

**Spending Currencies:**

| Asset        | Conversion          | Fees | Supported   |
| ------------ | ------------------- | ---- | ----------- |
| USDC         | 1:1 to USD          | 0%   | ✓ Primary   |
| SOL          | Real-time spot rate | 0.5% | ✓           |
| USDT         | 1:1 to USD          | 0%   | ✓           |
| Other tokens | Via auto-swap       | 1%   | Coming soon |