Soren PaySoren Pay
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Spend your wallet without selling

Link MetaMask, Rainbow, Phantom, or Ledger. Verify once with Persona. Get a Visa card that swipes anywhere — auto-converting your USDC, USDT, ETH, SOL, or BTC at the moment of swipe. Your keys stay on your device.

🚧 Status: Phase D scaffold shipped (account creation + KYC flow live). Wallet linking + card mint UI lands next.

How it works

You hold crypto in MetaMask / Phantom / Ledger
                    ↓
Sign in to Soren Pay (Personal account)
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Verify identity once (Persona — ID + selfie + liveness)
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Link wallet (SIWE — Sign-In With Ethereum)
                    ↓
Mint a Visa card scoped to your linked balance
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Swipe anywhere Visa accepted
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At swipe: USDC auto-debited from your wallet OR routed through swap
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Merchant gets paid in fiat. You keep your custody.

Why this beats centralized alternatives

| | Coinbase Card | Crypto.com | Soren Pay | |---|---|---|---| | Custody | Coinbase holds your crypto | CDC holds | You hold (MetaMask/Ledger) | | Liquidation risk | Yes | Yes | None — keys on your device | | Bankruptcy exposure | Yes | Yes | None | | Chains supported | Limited | Limited | Ethereum, Polygon, Arbitrum, Base, Optimism, Solana, Bitcoin | | Card design | Standard | Standard | 6 templates incl. gold Bitcoin |

Get started (when Phase D fully ships)

1. Sign up

sorenpay.com/signup → pick Personal → create account with Google or email.

2. Verify identity

Persona hosted flow — ID + selfie + liveness — takes ~2 minutes. Most users get auto-approved.

3. Link your wallet

We use SIWE (Sign-In With Ethereum) for EVM wallets and signMessage for Solana:

// Inside your wallet button handler
const message = await fetch("/api/personal-accounts/wallets/siwe-message").then(r => r.text());
const signature = await wallet.signMessage(message);
await fetch("/api/personal-accounts/wallets", {
method: "POST",
body: JSON.stringify({ address, signature, chain: "ethereum" }),
});

Your private key never leaves the wallet. We verify the signature; we never see the key.

4. Mint your card

Pick your design (obsidian, aurora, cyber, magenta, chrome, gold Bitcoin), finish (virtual instant or metal $99 ships 5-7 days), and denomination (USD or your local currency).

5. Swipe

The card works everywhere Visa is accepted (100M+ merchants worldwide). At swipe, our auth engine + Visa issuing partner decides in under 200ms.

In the background:

  • Funded by your wallet's USDC → instant approve
  • Funded by ETH/SOL/BTC → swap-at-auth quotes via 1inch / Jupiter, then approve

You can also pre-convert your volatile assets to USDC manually to avoid slippage at swipe — your call.

Apple Pay + Google Pay

The card provisions instantly into your phone's wallet via built-in In-App Provisioning. Tap-to-pay anywhere contactless is accepted.

Cashback

Coming in Phase D.2: cashback rules by MCC. E.g., 3% on travel (MCC 4511, 7011), 2% on groceries (MCC 5411), 1% everywhere else. Paid in USDC, swept to your linked wallet weekly.

Related

← All docsEdit on GitHub →