Lava has launched its Lava Card, a secured Visa bank card that pays Bitcoin rewards on each transaction and accepts stablecoins as a funding supply — a product the corporate says is constructed to convey stablecoin funds into the mainstream with out asking customers or retailers to vary how they spend.
The cardboard pays 3% again in Bitcoin for US-based customers and 1% for worldwide customers on all purchases and 5% again via Lava’s rising community of Bitcoin-aligned retailers. To mark the launch, cardholders earn the elevated 5% charge on Amazon, Apple, and Netflix purchases, Lava instructed Bitcoin Journal.
There is no such thing as a annual price, no overseas transaction price, and no markup on Visa’s official change charge, making the cardboard viable for each home and worldwide use.
Lava is positioning the rewards construction as a deliberate break from the complexity that defines most card packages. Fairly than accumulating factors that require transfers, conversions, or price math, customers obtain Bitcoin — a stability they will monitor and maintain. The use case is fairly easy: spend {dollars}, earn Bitcoin, construct financial savings.
The cardboard is secured, which means cardholders spend from a USD stability they fund themselves reasonably than borrowing. Customers can transfer cash onto the cardboard by way of financial institution switch, direct deposit, or by sending stablecoins equivalent to USDC on to Lava.
That stablecoin pathway is likely one of the product’s extra bold bets. Stablecoin adoption has grown quickly on the infrastructure degree, however on a regular basis spending has lagged — partially as a result of swiping a card at checkout stays the default conduct for customers and retailers alike.
Lava Card routes stablecoin balances via customary Visa rails, which means neither aspect of the transaction has to adapt.
Customers who maintain Bitcoin can even fund their spending via Lava’s Bitcoin Line of Credit score, borrowing towards their BTC reasonably than liquidating it.
The service provider rewards community, which is able to supply further Bitcoin again and unique financial savings to cardholders, is about to increase with companion bulletins rolling out over the approaching months.
The cardboard is on the market to customers in almost each nation and accepted anyplace Visa is.
Lava’s line of credit score and fundraise
Again in November 2025, Lava introduced it raised $200 million in a funding spherical combining enterprise and debt capital to increase its bitcoin-backed lending platform.
The corporate additionally launched a brand new Bitcoin Line of Credit score (BLOC), designed to let customers borrow towards bitcoin with out mounted phrases or obligatory month-to-month funds.
The product provides rates of interest beginning at 5%, plus further charges, with loans permitting as much as 50% loan-to-value towards posted bitcoin collateral.