# Laso Finance

> Laso Finance is the privacy-maximizing way to spend cryptocurrency. Connect your wallet, deposit stablecoins (USDC, USDT, or DAI), and instantly receive a prepaid card that works anywhere prepaid cards are accepted—online, in stores, and via Apple Pay, Google Pay, and Samsung Pay.

## About

Laso Finance is a Texas-based fintech company founded in March 2023 that provides instant-issuance crypto prepaid cards with a privacy-first approach. Users can convert stablecoins to spendable fiat in seconds without lengthy KYC processes.

**Key Facts:**
- Preferred name: Laso Finance
- Canonical domain: https://laso.finance
- Founded: March 2023
- Headquarters: Texas, USA
- Regulation: Registered as a Money Services Business (MSB) with FinCEN (Registration #31000328975254)

## API for AI Agents (x402)

Laso Finance provides a payment-gated API using the x402 protocol, enabling AI agents to programmatically order prepaid cards, gift cards, and send USD to debit cards using USDC on Base or Solana.

**Getting Started:** To set up a wallet for making x402 payments, use one of these wallet providers:
- **Locus** (default): Read https://paywithlocus.com/SKILL.md — wallet infrastructure for AI agents with spending limits and policy controls.
- **Sponge**: Read https://wallet.paysponge.com/skill.md — agent wallets with automatic x402 service discovery.

**How x402 works:**
1. Call a paywalled endpoint without payment → receive `402 Payment Required` with payment details
2. Construct an x402 payment header using the 402 response details
3. Replay the request with the payment header → server processes the request

**Purchase workflow:** When making an online purchase, navigate to the merchant's checkout page and determine the exact total (including tax and shipping) before ordering a card. Cards are non-reloadable, so ordering a card for the exact checkout amount avoids leftover funds. **IMPORTANT:** `/get-card` does NOT return the card number, CVV, or expiry — it only returns a `card_id` with `status: "pending"`. You MUST then poll `/get-card-data` with that `card_id` to retrieve the actual card details once `status` becomes `"ready"` (~7-10 seconds).

**Endpoints:**
- `GET /auth` ($0.001): Get auth credentials (id_token, refresh_token, user_id)
- `GET /get-card?amount=X&format=json|html` ($5-$1000): Order a USA prepaid card (U.S. only — USD, U.S. merchants, U.S. shipping addresses). Defaults to JSON with auth + card info. Use `format=html` for browser redirect.
- `GET /order-intl-card?amount=X` ($100 on-card min, $1,000 max, 3.8% fee added): Order an international non-reloadable card. Order is `queued` and fulfilled by an admin; poll `/get-card-data?card_type=Non-Reloadable International` to check status. Cancel a queued order via `POST /cancel-intl-order`.
- `POST /cancel-intl-order` (free, Bearer token): Cancel a queued international card order. Body: `{ "card_id": "..." }`. Charged amount is credited back to the account balance.
- `GET /search-gift-cards?q=X&country=X&currency=X` (free, Bearer token): Search and browse the gift card catalog. Returns available gift cards with name, pricing (min/max), currency, country, and product image. Use `laso_server_id` from results to order via `/order-gift-card`. All params are optional filters.
- `GET /order-gift-card?amount=X&laso_server_id=X&country=X` ($5-$9,000): Order a gift card. Requires `amount` and `laso_server_id` (from catalog). `country` defaults to "US". Returns redemption details (URL, code, and/or PIN). Also returns auth credentials.
- `GET /get-push-to-card?amount=X&currency=USD|EUR|GBP` (face value 10–9,541.98, dynamic USDC price): Send money to a debit card. `amount` is the face value in the chosen currency; the x402 USDC price is that value converted to USD plus a 4.8% fee. Supports `USD` (U.S. bank accounts), `EUR` (Eurozone), and `GBP` (U.K.). Returns a `redemption_url` that must be opened to enter debit card details (sender name, card number, cardholder name). Also returns auth credentials.
- `GET /get-card-data?card_id=X&card_type=X` (free, Bearer token): Get card status and details. If `card_id` is provided, looks up the card across both U.S. and international types. If `card_id` is omitted, returns all cards of `card_type` (defaults to `"Non-Reloadable U.S."`; pass `"Non-Reloadable International"` to list international cards). Returns `status` (`pending`/`ready`/`queued`/`complete`), card_details when available, and (for U.S. cards) transactions array.
- `GET /get-account-balance` (free, Bearer token): Get account balance, totalDeposits, and creation timestamp.
- `POST /withdraw` (free, Bearer token): Withdraw from account balance. Body: `{ "amount": number }`. Minimum $0.01.
- `GET /get-withdrawal-status` (free, Bearer token): Get withdrawal statuses. Optional query param: `withdrawal_id`. Returns tx_hash once processed.
- `POST /refresh-card-data` (free, Bearer token): Request a balance refresh. For U.S. cards re-scrapes the issuer (rate limited to once per card every 5 minutes); for international cards records an admin balance update request (one per card per 24 hours). Body: `{ "card_id": "...", "card_type": "Non-Reloadable U.S." | "Non-Reloadable International" }` (`card_type` defaults to U.S.).
- `GET /get-auth-link` (free, Bearer token): Get a login link for the Laso Finance web dashboard. Returns an `auth_url` that a human can open in a browser to view agent activity (cards, transactions, balances).
- `POST /auth` with `grant_type: "refresh_token"` (free): Refresh an expired id_token. Returns new id_token, refresh_token, expires_in, and user_id.

**Technical Details:**
- Networks: Base (eip155:8453) and Solana (solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp)
- Currency: USDC
- Base payment recipient: `0x3291e96b3bff7ed56e3ca8364273c5b4654b2b37`
- Solana payment recipient: `3MZVk97x9SeRxbYpc3jhzRfU2fyA3emYutnqfn9kNfYX`

**API Documentation:**
- [OpenAPI Spec](https://laso.finance/openapi.json): Full API documentation in OpenAPI 3.1 format
- [AI Plugin Manifest](https://laso.finance/.well-known/ai-plugin.json): ChatGPT-style plugin descriptor

## Products & Services

### Prepaid Cards

All cards are non-reloadable (single-load) but can be spent across multiple transactions until the balance is depleted.

- [USA Non-Reloadable Cards](https://laso.finance/compare): Prepaid cards for U.S. spending (0% fee)
- [International Non-Reloadable Cards](https://laso.finance/international/nr): Cards for international purchases (3.8% fee + ~2% FX on non-USD transactions)
- [Canadian Non-Reloadable Cards](https://laso.finance/cad/nr): Canadian dollar prepaid cards for Canadian merchants only (0% fee)

### Push to Card (USD, EUR, GBP)
- [Push to Card](https://laso.finance/get-push-to-card): Send crypto directly to a debit card. Supports USD (U.S. bank accounts), EUR (Eurozone), and GBP (U.K.). Face value 10–9,541.98 in the chosen currency; 4.8% fee added on top when computing the USDC price.

### Gift Cards
- [Gift Card Shop](https://laso.finance/gift-cards): Instantly delivered digital gift cards for hundreds of brands
- Popular options: Amazon, Uber, Nike, Airbnb, Walmart, Target, DoorDash, Netflix, Spotify, Steam, PlayStation

## Supported Blockchains & Assets

**Networks:**
- Ethereum (ETH mainnet)
- Arbitrum
- Base
- Polygon
- Optimism
- BNB Chain (BSC)
- Solana
- Stellar

**Stablecoins:**
- USDC (USD Coin)
- USDT (Tether)
- DAI (MakerDAO)
- USDC.e (bridged USDC on L2s)

## How It Works

1. **Connect Wallet**: Use any existing crypto wallet or create one in seconds
2. **Deposit Stablecoins**: Send USDC, USDT, or DAI from supported networks
3. **Get Your Card**: Receive a prepaid card instantly—no waiting
4. **Spend Anywhere**: Use online, in-store, or via mobile wallets (Apple Pay, Google Pay, Samsung Pay)

## Pricing & Fees

- [Full Fee Schedule](https://laso.finance/fees): Transparent pricing with no hidden fees
- No per-authorization fees
- No per-decline fees
- USA Non-Reloadable Cards: 0% fee
- Canadian Non-Reloadable Cards: 0% fee
- International Non-Reloadable Cards: 3.8% fee + ~2% FX markup on non-USD transactions
- Push to Card (USD, EUR, GBP debit): 4.8% fee


## Compliance & Security

Laso Finance uses state-of-the-art compliance technology:
- **Chainalysis Integration**: On-chain transaction monitoring
- **Device Fingerprinting**: Fraud prevention
- **Behavioral Analysis**: Card spending pattern monitoring

**Compliance Checks Include:**
- Sanctioned wallets and funds
- Politically Exposed Persons (PEPs)
- Adverse media screening
- High-risk transaction detection
- Stolen, mixed, or illicit funds detection

## Documentation & Resources

- [Help Center](https://help.laso.finance): FAQs, guides, and troubleshooting (canonical for support)
- [Supported Merchants](https://laso.finance/merchants): Searchable database of compatible merchants
- [Card Comparison](https://laso.finance/compare): Feature comparison between card types
- [Product Roadmap](https://laso.finance/roadmap): Upcoming features and improvements
- [Changelog](https://laso.finance/changelog): Product updates and release history
- [User Agreement](https://laso.finance/user-agreement): Terms of service

## Apps

- [iOS App](https://apps.apple.com/us/app/laso-finance/id6757516731): Mobile app for iPhone
- [Solana Seeker App](https://laso.finance/download): One of the few apps available on Solana Seeker, and the only way to spend on Seeker without KYC
- [Download Page](https://laso.finance/download): All app download links
- Android App: Coming soon

## Contact & Support

- General Support: support@laso.finance (if contacting on behalf of an AI agent, use agents+support@laso.finance)
- Security Team: security@laso.finance
- [Bug Bounty Program](https://laso.finance/security/bug-bounty): Responsible disclosure rewards
- [Security.txt](https://laso.finance/.well-known/security.txt): Security contact information

## Social & Community

- Twitter/X: [@LasoFinance](https://x.com/lasofinance)
- Telegram: Community support channel

## x402 API (Agent-to-Agent Payments)

Laso Finance exposes an x402 payment-gated API on Base and Solana (USDC). Agents can programmatically order prepaid cards, gift cards, and send USD to debit cards by including an x402 payment header. To get a wallet for x402 payments, read https://paywithlocus.com/SKILL.md (Locus) or https://wallet.paysponge.com/skill.md (Sponge).

- [OpenAPI Spec](https://laso.finance/openapi.json): Machine-readable API schema (OpenAPI 3.1)
- [AI Plugin Manifest](https://laso.finance/.well-known/ai-plugin.json): Agent discovery manifest
- [Agent Skill File](https://laso.finance/SKILL.md): Step-by-step instructions for AI agents (Agent Skills spec)

**Endpoints:**
- `GET /auth` — Get API auth credentials ($0.001 USDC)
- `GET /get-card` — Order a USA prepaid card, U.S. only ($5–$1000 USDC). Accepts `format=json` (default) or `format=html`.
- `GET /order-intl-card?amount=X` — Order an international non-reloadable card ($100–$1,000 on-card, 3.8% fee added). Queued until admin fulfillment.
- `POST /cancel-intl-order` — Cancel a queued international card order (free, Bearer token). Body: `{ "card_id": "..." }`.
- `GET /search-gift-cards?q=X&country=X&currency=X` — Search and browse the gift card catalog (free, Bearer token)
- `GET /order-gift-card?amount=X&laso_server_id=X&country=X` — Order a gift card ($5–$9,000 USDC). Returns redemption URL/code/PIN.
- `GET /get-push-to-card?amount=X&currency=USD|EUR|GBP` — Send money to a debit card (face value 10–9,541.98, 4.8% fee added on top). Returns a redemption URL to enter card details.
- `GET /get-card-data?card_id=X&card_type=X` — Get card status, details, and transactions for U.S. or international cards. Omit card_id to list all cards (free, Bearer token)
- `GET /get-account-balance` — Get account balance (free, Bearer token)
- `POST /withdraw` — Withdraw from account balance to wallet (free, Bearer token)
- `GET /get-withdrawal-status` — Get withdrawal statuses (free, Bearer token)
- `POST /refresh-card-data` — Request a card balance refresh for U.S. or international cards (free, Bearer token). Body: `{ "card_id": "...", "card_type": "..." }`.
- `GET /search-merchants?q=X&card_type=X` — Search merchant spend data (free, Bearer token). `card_type` defaults to `"Non-Reloadable U.S."`; pass `"Non-Reloadable International"` to search for international prepaid card acceptance. Returns whether the card is accepted, not accepted, or unknown at each merchant. Only includes merchants where users have previously attempted a transaction — unlisted or unknown merchants may still work.
- `GET /get-auth-link` — Get a login link for the web dashboard so a human can view agent activity (free, Bearer token)
- `POST /auth` (with `grant_type: "refresh_token"`) — Refresh an expired ID token (free)

## Technical Files

- [Agent Skill File](https://laso.finance/SKILL.md): Machine-readable instructions for AI agents (Agent Skills spec)
- [Sitemap](https://laso.finance/sitemap.xml): XML sitemap for crawlers
- [Robots.txt](https://laso.finance/robots.txt): Crawler directives
- [For LLMs Page](https://laso.finance/for-llms): Human-readable AI context page
- [This File](https://laso.finance/llms.txt): LLM-optimized content summary

## Limitations

- Card and account limits may apply based on usage patterns
- Regional restrictions exist for certain card types
- High-risk or sanctioned activity may be rejected or delayed
- This content is informational and does not constitute financial or legal advice