Overview
Laso Finance prepaid cards go through a simple lifecycle: order, wait for details, spend, and deplete. Cards are non-reloadable — once the balance is used up, the card is done. But you can make multiple purchases until the balance hits zero.
Lifecycle stages
Order card Poll for details Spend Depleted
───────────► ──────────────────► ──────────────► ────────────►
/get-card /get-card-data Use card Balance = 0
(pay USDC) (status: pending details at Card is
→ ready) any US merchant finished
1. Order
Call GET /get-card?amount=50 with an x402 payment. The amount you pay in USDC is the amount loaded onto the card (between $5 and $1,000).
The response returns immediately with:
card.card_id — Unique identifier for this cardcard.status — Always "pending" at this pointauth.id_token — Bearer token for polling
2. Pending
The card has been ordered but the details aren’t ready yet. This stage lasts ~7-10 seconds while the card is being issued by the card network.
During this time, poll GET /get-card-data?card_id=X with your Bearer token every 2-3 seconds.
{
"card_id": "O-01ABC123",
"usd_amount": 50,
"country": "US",
"status": "pending"
}
3. Ready
Once status changes to "ready", the response includes full card details:
{
"card_id": "O-01ABC123",
"usd_amount": 50,
"country": "US",
"status": "ready",
"card_details": {
"card_number": "4111111111111111",
"exp_month": "12",
"exp_year": "2027",
"cvv": "123",
"available_balance": 50.00
}
}
4. Spending
Use the card number, expiry, and CVV to make purchases. The card works at any US-based merchant — online, in-store, or via mobile wallets.
You can make multiple purchases until the balance is depleted. Each purchase reduces the available_balance.
5. Depleted
When the balance reaches zero, the card can no longer be used. Order a new card with another /get-card call.
6. Expired
Cards expire 6 months after issuance. After the expiration date the card stops working even if it still has a balance, and any remaining funds are forfeited. Forfeited funds are retained by the card issuer and cannot be recovered or returned by Laso Finance. Spend the full balance before the expiration date.
Expiration is independent of the balance. A card with money still on it becomes unusable once it expires, and that remaining balance is lost permanently. Always spend a card down to zero well before its 6-month expiration.
Key details
| Property | Value |
|---|
| Card type | Prepaid |
| Currency | USD |
| Region | U.S. only (see international card below for non-U.S. merchants) |
| Minimum load | $5 |
| Maximum load | $1,000 |
| Reloadable | No |
| Multiple purchases | Yes, until balance is depleted |
| Time to issue | ~7-10 seconds |
| Expiration | 6 months after issuance; remaining balance is forfeited |
Restrictions
The USA prepaid card ordered via /get-card is U.S. only. It can only be used at U.S.-based merchants for USD purchases, and physical goods must ship to a U.S. address. For non-U.S. merchants or non-USD purchases, use the international prepaid card instead — see below. All cards are intended for the caller’s own use and are non-transferable.
Polling best practices
- Poll every 2-3 seconds — don’t hammer the endpoint
- The card is typically ready within 7-10 seconds
- If still pending after 30 seconds, something may be wrong — log the
card_id and contact support
- Always check the
status field before reading card_details
International non-reloadable cards
International cards (/order-intl-card) follow a similar lifecycle but with different timing and an admin-fulfillment step:
Order card Queued (admin fulfills) Ready Depleted
───────────► ───────────────────────► ──────────────► ────────────►
/order-intl-card ~up to 24 hours Card details Balance = 0
(pay USDC) /get-card-data available via Request refreshes
status: queued /get-card-data via /refresh-card-data
(1 per 24h)
- Amount: $100 minimum, $1,000 maximum on-card (U.S. cards go as low as $5)
- Fee: 3.8% on top of the on-card amount
- Fulfillment: Queued until an admin manually orders the card (typically within 24 hours). During this window the card is in
state: "queued" / status: "queued".
- Cancellation: While queued, you can cancel via
POST /cancel-intl-order. The charged amount is credited back to the account balance. Once fulfilled (state moves out of queued), cancellation is no longer possible.
- Balance refresh: International card balances aren’t re-scraped automatically. Call
POST /refresh-card-data with card_type: "Non-Reloadable International" to request an admin balance update (returns 409 if a balance update is already pending for that card).
card_id after fulfillment: When an admin fulfills the order, the card is reissued and the card_id changes to the issuer’s transaction id. The original queue id is preserved on the card as queued_order_card_id, and /get-card-data?card_id=<original-queue-id> keeps resolving to the fulfilled card, so you can keep polling with the same id.- Status values:
queued (waiting for admin fulfillment), ready (card details available), complete (card fully spent), refund-requested / refunded / archived (refund flow states).
- Expiration: Like U.S. cards, international cards expire 6 months after issuance. Any balance remaining on an expired card is forfeited to issuer (not Laso Finance) and cannot be recovered. Spend the full balance before the expiration date.
