Cards Overview
Agio Cards are crypto-collateralized credit cards backed by stablecoin deposits (such as USDC). Depositing stablecoins into an Agio Card smart wallet establishes a credit limit, and cardholders can spend up to that limit using virtual or physical cards wherever the card network is accepted.
All card operations are performed via GraphQL through the Agio Platform API.
Card Lifecycle
Virtual vs Physical Cards
| Feature | Virtual | Physical |
|---|---|---|
| Availability | Available once issued | Ships to supported regions (no shipping fee) |
| Use cases | Online purchases, subscriptions | In-person, ATM, tap-to-pay |
| Shipping | Not required | Required (address + phone number) |
| PIN | Set at creation | Staged at creation, activated on receipt |
| Replacement | replaceVirtualCard — issues a new card number | replaceCard with shipping address |
| Spending limits | Configurable (rolling period) | Configurable (rolling period) |
| Cancellation | Permanent, irreversible | Permanent, irreversible |
Quick Reference
| Action | GraphQL Operation | Type |
|---|---|---|
| List cards | vwCards | Query |
| Apply (individual) | createCardApplication | Mutation |
| Apply (corporate) | createCardCorporateApplication | Mutation |
| Apply (partner-provisioned) | createCardApplicationForPartnerUser | Mutation |
| Provision customer org (partner) | createPartnerCustomerOrganization | Mutation |
| Provision cardholder (partner) | createPartnerCardUser | Mutation |
| Fix cardholder PII (partner) | patchPartnerCardUser | Mutation |
| Create card | createCard | Mutation |
| Freeze card | freezeCard | Mutation |
| Unfreeze card | unfreezeCard | Mutation |
| Cancel card | cancelCard | Mutation |
| Replace virtual card | replaceVirtualCard | Mutation |
| Replace any card | replaceCard | Mutation |
| Update spending limit | updateCardLimit | Mutation |
| Set PIN | setCardPin | Mutation |
| Reveal PIN | getCardPin | Mutation |
| Reveal card secrets | revealCardSecrets | Mutation |
| Rename card | updateCardNickname | Mutation |
| Star/unstar card | update_AgioCard_card_by_pk (Hasura) | Mutation |
| Fund card (in-app user) | smartWalletSwapQuote → smartWalletExecuteSwapQuote | Mutation |
| Fund card (partner) | cardFundSubClientFromTreasury — or send stablecoin to card deposit_address | Mutation / On-chain |
| Bulk-fund cardholders (partner) | multiSendFromWallet | Mutation |
| Withdraw collateral (in-app user) | cardWithdraw | Mutation |
| Withdraw collateral (partner) | cardWithdrawForPartner | Mutation |
| Card balance | cardBalance | Query |
| View transactions | UserCardTransactions | Query |
| Real-time transactions | CardTransactionUpdates | Subscription |
| Application updates | CardApplicationUpdates | Subscription |
| Subscribe webhook (partner) | subscribePartnerWebhook | Mutation |
| Unsubscribe webhook (partner) | unsubscribePartnerWebhook | Mutation |
| Rotate webhook secret (partner) | rotatePartnerWebhookSecret | Mutation |
Amounts in Cents
All monetary amounts in the Agio Card API are in cents (smallest currency unit). 50000 = $500.00. Two exceptions: cardWithdraw accepts human-readable token amounts (e.g., "100.5"), and requestedLimitAmount on card applications is in whole dollars (e.g., 25000).