Self-Custody vs Prepaid Crypto Cards for Business

Business teams choosing a crypto card usually face one question first: should money sit with the provider before it’s spent, or stay closer to your own wallet?

How prepaid cards work

You move assets to a custodial balance or load cards before purchases. Authorization is simple, but larger teams can end up with idle funds spread across many cards.

What self-custody means

Self-custody puts wallet permissions and key control closer to you. It doesn’t remove card issuers, compliance checks or settlement steps, and your team becomes responsible for key and approval security.

How to compare them

How much money sits idle?
Who can move funds, and who approves?
What happens if a device is lost or staff leave?
What fees apply at funding and conversion?
Do reports fit your finance process?

With Xerovan

Xerovan pairs a self-custodial MPC wallet with Visa cards, per-card limits and receipt approvals. Read the self-custodial card guide for more on funding models.

Note: This article is general information, not financial or legal advice. Xerovan is not a bank; card and payment services are provided by licensed partners. Availability and fees vary by country, and merchants and issuers decide whether to approve a payment. Digital assets involve risks, including price volatility, network disruptions and possible loss of funds.