Security & Trust

Self-Custodied Funds

Your funds stay in your own self-custodied wallet, and only you hold the keys. When you fund a card, the money goes straight from your wallet to your dedicated sub-account with our licensed card provider — it never passes through Cardfornia.

How Your Funds Are Held

Custody

You Hold the Keys

Your funds sit in your own self-custodied wallet, and only you control its private keys. Cardfornia never holds your keys and cannot move the funds in your wallet.

Direct Funding

Straight to Your Card Account

When you fund a card, you send stablecoins from your wallet directly to your dedicated sub-account with our licensed card provider. The funds never pass through Cardfornia.

No Reuse

Never Lent or Repurposed

Card funds are held by a licensed provider in your dedicated sub-account and are used only to settle your card spend. Cardfornia does not lend them out, use them as working capital or apply them to any other obligation.

No Investment

No Investment, No Yield

We do not invest your funds, do not seek yield on them and do not advance funds against them — whether they are in your wallet or on your card.

On-Chain

Verifiable On-Chain

Your wallet balance lives on the blockchain, so you can verify it at any time with any public block explorer — no need to trust our records alone.

Transparency

Visible to You

Every top-up, authorisation, settlement and refund is recorded in your account in real time, giving your finance team a complete, auditable trail.

Questions about how funds are held? Our team is happy to walk through the details.