# Card Usage Ribbit will issue a payment card that is directly linked to the user’s wallet balance. This card will allow users to spend their stablecoins at any merchant that accepts Visa or Mastercard. It brings crypto into everyday spending, letting users pay for both online and offline purchases with the same ease as a regular debit card. Users can request a virtual card for instant online use. This is useful for e-commerce, subscriptions, and mobile services. Those who prefer physical spending can order a physical card that works at retail stores, restaurants, or ATMs. The card will draw funds from the user’s USDC or other supported stablecoins. Ribbit will handle real-time conversion from crypto to fiat using regulated off-ramp partners. The user sees the amount in their local currency at checkout, while the crypto balance adjusts automatically in the app. All card activity will be tracked inside the Ribbit dashboard. Users can view recent transactions, check spending limits, and receive alerts for each payment. The app will also allow controls such as: * Freezing or unfreezing the card * Setting daily or monthly spending limits * Managing which wallets are linked to the card No separate apps or transfers are needed. Everything works from within Ribbit. By introducing payment cards, Ribbit gives users a smooth and reliable way to spend their digital assets. It removes the technical steps that usually make crypto hard to use and brings the entire experience closer to what users already know and expect from a modern financial app. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://ribbit-wallet.gitbook.io/ribbit-wallet-whitepaper/roadmap-and-features/phase-4-payments/card-usage.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.