LiveWith OneVault

Run a card programme under your brand.

Visa or Mastercard cards for your customers, employees or community — consumer, corporate, prepaid or virtual — issued under an EU e-money licence and a principal membership you don’t have to earn yourself.

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At a glance

Licence: EU EMI, Central Bank of Cyprus
Scheme: Visa and Mastercard principal membership
Contract with: OneVault
Models: White-label, hybrid, technology only
Markets: EEA; GCC via Bahrain; others case by case
Time to pilot: The sandbox tells you

Who this is for

Six businesses that start here.

A neobank for a nicheStudents, expats, gig workers, a diaspora: an account and a card built around one group.
Corporate expense cardsCards with spend controls for SMEs, inside your accounting or HR product.
A club or festival cardA supporters’ card that pays at the ground, earns with the brand and carries their stake.
Payroll and gig payoutsPay drivers, creators or contractors onto a card the same day.
A gold cardSpend from a gold-backed balance; the metal is converted at the moment of payment.
Travel and remittance cardsMulti-currency cards for travellers and families who send money home.

What we provide, what you bring

The licence, the service, the technology. You bring the brand and the customers.

We provide

Included

The EU e-money licence and the Visa and Mastercard principal membership.
BIN sponsorship, physical and virtual cards, Apple Pay and Google Pay tokenisation, spend controls, 3-D Secure, disputes and chargebacks.
The ledger and accounts behind the card.
KYC and KYB.
Card APIs and a sandbox.
Compliance monitoring and scheme reporting.

You bring

Yours

The brand and the card design.
The customers and the distribution.
The product: who gets a card, what it does, what it earns.
Support in your channels.
Compliance under your own licence, or ours as agent or distributor.

How it works

From first call to live.

Scope the programme

Step 01

Due diligence

Step 02

Agreement

Step 03

Build in the sandbox

Step 04

Pilot

Step 05

Launch

Step 06

No timelines are stated; the sandbox tells you how ready you are.

Economics

Where the money is.

Nothing here is a projection. Commercials are set after scoping and depend on volume and market.

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Where the money is

01 · Economics

Interchange

A share of what merchants pay on every transaction, split under the agreement.

02 · Economics

Fees you set

Issuance, subscriptions, FX, ATM, premium tiers.

03 · Economics

What you pay

Setup, per-card and per-transaction costs, set after scoping.

Businesses that pair with this one.

IBAN issuing Merchant acquiring Conversion and FX Precious-metal banking Community bank Owners’ card and loyalty-to-ownership

Your cardholders are verified investors: the KYC that issued the card is the KYC the market uses.

An owners’ card links the card to a holding on the register: supporters pay with it and hold their equity in the same place.

A card business with a community is an issuer in waiting.

How this connects to the market

A card on BlockMaze can hold a stake.

FAQ

What people ask first.

Do we need our own e-money licence?

No. Under white-label, OneVault is the issuer and you operate the programme as its agent or distributor. If you hold a licence, we run the technology and the scheme membership only.

Which countries can we issue in?

The EEA under the EU licence; the GCC through the Bahrain entity; elsewhere case by case against the licence table.

Who handles disputes and fraud?

The issuer handles scheme disputes, chargebacks and fraud monitoring; you handle first-line support.

Can the card carry a stake in a club or a business?

Yes. The owners’ card links a card to a holding registered on BlockMaze.

Your card. Our licence and scheme.

Tell us the card you want to issue and we’ll tell you on the first call how it can be structured.

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