Lava has launched its Lava Card, a secured Visa credit 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 by 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 informed Bitcoin Journal.
There isn’t any annual charge, no overseas transaction charge, 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. Relatively than accumulating factors that require transfers, conversions, or charge math, customers obtain Bitcoin — a stability they’ll observe and maintain. The use case is fairly easy: spend {dollars}, earn Bitcoin, construct financial savings.
The cardboard is secured, that 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 reminiscent of USDC on to Lava.
That stablecoin pathway is likely one of the product’s extra formidable 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 habits for customers and retailers alike.
Lava Card routes stablecoin balances by customary Visa rails, that means neither facet of the transaction has to adapt.
Customers who maintain Bitcoin can even fund their spending by Lava’s Bitcoin Line of Credit score, borrowing in opposition to their BTC reasonably than liquidating it.
The service provider rewards community, which can supply further Bitcoin again and unique financial savings to cardholders, is about to broaden with associate bulletins rolling out over the approaching months.
The cardboard is obtainable to customers in almost each nation and accepted wherever Visa is.
Lava’s line of credit score and fundraise
Again in November 2025, Lava announced it raised $200 million in a funding spherical combining enterprise and debt capital to broaden its bitcoin-backed lending platform.
The corporate additionally launched a brand new Bitcoin Line of Credit score (BLOC), designed to let customers borrow in opposition to bitcoin with out fastened phrases or necessary month-to-month funds.
The product affords rates of interest beginning at 5%, plus further charges, with loans permitting as much as 50% loan-to-value in opposition to posted bitcoin collateral.
