Interlace Customer Case | Echobit: A ceramic card that brings stablecoins from trading accounts into daily consumption

Stablecoin payments are transitioning from the digital asset market to broader real-world applications, with a notable increase in associated card consumption. A recent report from Allium shows that from January to September 2026, the consumption amount of stablecoin associated cards reached 3.9 billion USD, approximately ten times that of the same period last year; among them, small transactions with a single amount below 50 USD contributed to 84% of the newly added card transaction numbers during the same period. This means that stablecoin cards are no longer just tools for "spending coins," but are becoming entry points for trading platforms to extend service boundaries and establish daily connections with users.

For cryptocurrency trading platforms, the real question is no longer "whether to issue cards," but "how to do it and what differences to create." The collaboration between Interlace and Echobit provides a great case for the market: how a growing global trading platform can leverage Interlace's card issuance API and custom ceramic card capabilities to expand the usage scenarios of digital assets from trading to real consumption scenarios through stablecoin issuance, and create more distinctive payment products tailored to different user groups.

Interlace Helps Echobit Build Financial Scenarios for On-chain Assets and Real Consumption

Founded in 2024, Echobit is a global cryptocurrency trading platform dedicated to connecting global value flows in a safer, more transparent, and efficient manner. As the business continues to develop, Echobit is constantly exploring the application possibilities of digital assets beyond trading, further expanding into products like stablecoin payments. For exchanges, if users' stablecoin balances remain only in trading accounts, the relationship between the platform and users becomes highly dependent on market conditions; however, if users can bring stablecoins into daily consumption through the platform's payment products, the trading account is no longer just a place for buying and selling digital assets, but an entry point for continuous financial activities. For users, the platform is not just a trading product for digital assets, but a financial platform that connects on-chain asset trading with real-world consumption.

Echobit's needs go beyond just "issuing a card"; it encompasses two aspects. First is a stable and flexible card issuance infrastructure. Building a complete card issuance system from scratch typically involves multiple aspects such as compliance integration, card organization cooperation, BIN configuration, account systems, and subsequent operations, which places high demands on the platform's technical investment and resource allocation. Echobit hopes to leverage mature card issuance services to reduce infrastructure investment during product development and implementation, allowing more resources to be focused on product design, user service, and business expansion. Additionally, for VIP clients, Echobit hopes that the card can reflect brand characteristics through material, design, and tactile experience beyond just payment functionality, becoming a more recognizable product in VIP services. This card cannot merely be a stablecoin payment card; it needs to embody the brand and identity of the trading platform.

Solution ------ Cards as a Service (CaaS) Combined with Custom Ceramic Cards

In response to Echobit's needs, Interlace provides a Cards as a Service (CaaS) card issuance solution and custom high-end ceramic cards, addressing Echobit's multiple requirements for creating stablecoin payment products and VIP card experiences.

1. Expand Stablecoin Issuance Capabilities through API Integration

Interlace's card issuance API supports Echobit in developing virtual and physical card products based on its brand and business needs. Multi-currency cards, a rich selection of card BIN options, and scalable technical infrastructure also provide extensive support for product configuration in different business scenarios.

At the same time, Interlace's card issuance solution includes compliance and risk management support such as KYC/KYB, AML, and fraud monitoring, and complies with PCI DSS Level 1 standards, helping partners meet the technical integration, security, and compliance management requirements in card issuance operations.

With Interlace's API and underlying infrastructure, Echobit can quickly advance the launch of stablecoin card products without building a complete card issuance system from scratch, allowing more resources to be allocated to user service and business expansion.

2. Custom Ceramic Cards to Integrate Brand Characteristics into Physical Payment Experience

Physical cards are not only payment tools but also product carriers for users to engage with the brand. For Echobit, the material and design of the card are very important for the payment experience of VIP clients and can reflect Echobit's differentiated brand characteristics.

The custom ceramic cards provided by Interlace, with their unique materials, craftsmanship, and delicate touch, offer Echobit a product choice that distinguishes them from conventional cards. Combined with brand customization, ceramic cards also provide space for the platform to present its characteristics in physical products. More importantly, this is not just a "generic card with a different logo." From material selection and card face design to brand expression, the ceramic cards are customized around Echobit's VIP product positioning, making the card itself a tangible embodiment of VIP benefits. For VIP users, the "sense of possession" and "sense of identity" beyond payment functionality are precisely where the differentiation lies.

Echobit Feedback: Making Digital Assets More Than Just Trading, Creating More Distinctive Payment Products

We firmly believe that the value of digital assets should not be limited to trading but should also be integrated into daily payments and real-world application scenarios. With the expansion of stablecoin payment services, we hope to bring users a richer and more distinctive product experience. Interlace's card issuance API provides the technical support for our product implementation, while the custom ceramic cards further enhance the product's quality and brand recognition. After the first batch of cards was delivered for trial use, we have received positive feedback from some users. In the future, we also look forward to continuously optimizing the card experience based on user needs and actual usage feedback, and exploring more digital asset payment scenarios with Interlace.

Interlace Provides Differentiated Card Issuance Solutions for Trading Platforms, Wallets, and Neobanks

The collaboration between Interlace and Echobit essentially fills a key capability gap for trading platforms: entrusting underlying card issuance, compliance, and operations to infrastructure partners while leaving user operations and business expansion to the platform itself. For other platforms, wallets, and neobanks with card issuance needs, there are two key takeaways:

Issuing cards does not have to start from scratch. Choosing a mature infrastructure partner can delegate complex aspects such as compliance, card BIN, accounts, and physical card delivery to professional teams, allowing the platform to concentrate resources on user operations and business expansion.

Differentiation lies not in functionality but in experience. As "being able to swipe a card" gradually becomes standard, the real differentiation comes from card materials, card design, brand expression, and the embodiment of VIP benefits. Custom ceramic cards are a specific entry point, and it is reported that Interlace will soon launch stablecoin ring payment cards.

From card issuance capability integration to custom physical card delivery, Interlace is committed to helping partners develop payment products based on their business positioning and customer needs, bringing stablecoin payments from business concepts to actual use. From card issuance capabilities to physical card innovations, Interlace helps trading platforms, wallets, and neobanks create differentiated stablecoin payment products.

About Interlace

Interlace is building stablecoin banking infrastructure to help enterprises connect on-chain assets with real-world financial networks, allowing stablecoins to circulate freely in scenarios such as cross-border payments, card issuance, global accounts, fund management, and acquiring, just like fiat currency. Our core capability is card issuance infrastructure. With the Principal Membership qualification of the card group, Interlace can help exchanges, wallets, fintech platforms, brokerages, and financial institutions quickly launch their own branded card projects within weeks through API and white-label solutions, rather than taking months. We support customized card face designs, virtual and physical cards, Apple Pay, Google Wallet, and flexible card project configurations.

Founded in 2019, Interlace currently has offices in Singapore, Hong Kong, the United States, Japan, and Brazil, with over 120 employees. The company processes over 10 billion USD in transactions annually, serving more than 20,000 enterprise clients and has issued over 10 million cards.