Self-custody · Robinhood Chain

Spend against
your stocks.
Never sell.

A self-custody Visa® card backed by your portfolio — stocks and dollars on Robinhood Chain, spendable anywhere Visa is accepted.

Launch app → See how it works

Launching across 30 EEA countries.

Scroll to explore
$1.28B
Portfolio value secured
47,210
Virtual cards issued
4.82%
Live borrow rate · APR
0%
FX markup from the issuer

You deposit.
spend. keep.

Deposit stock, tap the card, and your portfolio stays exactly where it was.

How it works

Three steps.
Zero selling.

Deposit into your own vault

Stocks and dollars go into a vault only you control — keys exportable, always.

Get a virtual Visa card in minutes

Free and instantly active; add it to your phone's wallet where supported.

An agent keeps the card funded

It tops up from your portfolio automatically — contract-bound, so it can never withdraw.

Live

See it move.
Check your numbers.

Robinhood Chain · block #1,284,102 · rate 4.82% · 0.0009 gwei
Your portfolio value
€25,000
€1k€250k
Available to spend€17,500
Live borrow rate4.82% APR
BackingFully backed
Liquidation floor€21,000

Illustrative · 70% max LTV · liquidation at 120% backing · capital at risk

Recent activity

The idea

Selling your winners to pay for lunch is a tax on conviction. So we built a card that spends against your portfolio — and leaves it invested.

01
Deposit
stocks & dollars
→
02
Vault
you hold the keys
→
03
Agent tops up
caged by contract
→
04
Tap to pay
anywhere Visa works
~130Mmerchants accept Visa
0shares sold to spend
100%of keys stay with you
24/7on-chain, inspectable

The difference

Two ways to
spend €1,000.

Selling stock
  • Your positionSold — upside gone
  • TaxTaxable disposal
  • Settlement2–3 business days
  • Getting back inRe-buy at a new price
  • CustodyBroker holds it
Stock Cards
  • Your positionStays invested
  • TaxNo sale, no disposal*
  • SettlementUnder 5 minutes
  • Getting back inYou never left
  • CustodyYour keys, always

*Borrowing against assets is generally not a taxable disposal — this is not tax advice. Capital at risk: collateral can be liquidated.

Inside the app

Every action explained.

Safety meter
Fully backed

Your spending is comfortably covered by your portfolio.

Cost breakdown
Top-up €1,000
Bridge1.12%
Rate0.26%
Fee0.10%
Total1.48% · €14.80
Agent log
Topped up €500
Buffer fell under 50% of target; rate below your ceiling. Nothing was sold.
Held funds released
A hotel hold expired and returned to your balance.

Open by default

Inspect it
yourself.

The agent can fund your card — never move funds out. Its authority lives in on-chain permission contracts, publicly readable. Try the console. →

Type help and press enter.

guard@stockcards — console
›

Security

Your money
stays yours.

Self-custody by design: your own vault and card account, with key export always available. No custodian can freeze or seize what you hold.
Permissions enforced by contracts, not promises: it can fund your card, it cannot withdraw. Transfers to outside addresses are structurally impossible — and the configuration is publicly inspectable on-chain.
Freeze and unfreeze your card in the app, any time, in one tap. Set per-merchant and per-day limits that live on-chain.
The vault, agent guard, and lending market run on audited, battle-tested contracts; the card is issued through Gnosis Pay and a regulated partner.

Pricing

One card. No tiers.

Card & monthly fee
Free
A virtual Visa at €0/month, active in minutes.
  • No sign-up or monthly fee
  • Apple Pay & Google Pay
  • Freeze / unfreeze anytime
  • No tiers, no upsells
Fee per top-up
0.9–1.5%
Charged only when you move money onto the card.
  • Bridge + rate + fee, itemized
  • 0% FX markup from the issuer
  • Shown in full before you confirm
Borrow rate (APR)
Live
What you pay to spend against your stocks.
  • Set by the on-chain market
  • Shown in-app, in real time
  • Liquidation floor at 120% backing

The rails

Boring where
it should be.

Drag to explore the stack your money rides on.

01

Robinhood Chain

Where your Stock Tokens and dollars live — on-chain, self-custodied, and settled in seconds.

SETTLEMENTL2 network
02

Safe

The battle-tested smart-account vault that holds your assets and card account. Audited for years.

CUSTODY$100B+ secured
03

Zodiac Roles + Delay

The cage. The agent may fund the card and manage positions — never move funds out. Publicly inspectable.

AGENT GUARDon-chain roles
04

On-chain lending

Draws liquidity against your portfolio at a transparent, live rate — you always see it before you confirm.

CREDIT4.82% APR live
05

Gnosis Pay

Turns your on-chain balance into a Visa card that works in the real world, through a regulated partner.

ISSUINGVisa member
06

Visa

Spendable anywhere Visa is accepted — around 130M merchants across 200+ markets worldwide.

NETWORK200+ markets
Visa Robinhood Chain Gnosis Pay Safe Zodiac Self-custody Visa Robinhood Chain Gnosis Pay Safe Zodiac Self-custody

Early access

Be first in line.

Launching across 30 EEA countries. Tell us where you are and we'll tell you honestly when you can use Stock Cards.

3,914 people already in line
PortugalNetherlandsGermany SpainFranceItaly IrelandAustriaBelgium FinlandGreecePoland SwedenNorwayEstonia

Email, country, and your language — nothing else. Encrypted at rest.

FAQ

Frequently asked
questions

No. Stock Cards is a technology product, not a bank. The card is issued through Gnosis Pay and its regulated partner (Monavate), pursuant to a license from Visa.
You do. Your assets sit in on-chain accounts controlled by your keys; key export is available at any time.
Stock Tokens are tokenized instruments issued by a Robinhood entity that track equity prices; they are not shares.
The agent's authority is enforced by on-chain permission contracts (Zodiac Roles + Delay): it can fund your card and manage positions inside your account; transferring funds to outside addresses is impossible for it. The configuration is publicly inspectable on-chain.
Spending against your portfolio means borrowing against it through an on-chain lending market. Your collateral can be liquidated and this is not a deposit — capital at risk. See the Risk disclosure.
EEA residents only at launch, across 30 countries. Join the waitlist and we'll tell you honestly when you can use it where you are.