Card-issuing rail · 1 card
What is WebBank?
WebBank is a Utah-chartered industrial bank that issues consumer fintech cards — it is the regulated issuer behind products like the Gemini Credit Card, while the crypto platform supplies the rewards and the app.
FDIC-insured Utah-chartered industrial bank1 card on this rail
Same-rail KYC: if you've already completed identity verification on one card powered by WebBank, onboarding another card on the same rail is usually lighter — the compliance record sits with the issuer, not the app.
Crypto cards powered by WebBank
Every card in our database issued on this rail — including ones you'd never guess share the same back-end.
Pros of WebBank
- Regulated US issuer with real credit-card experience
- Enables actual credit products, not just prepaid/debit
- Familiar underwriting and rewards-card mechanics
Cons of WebBank
- US-only
- Credit products require standard credit checks and KYC
- The crypto layer is entirely the partner's responsibility
Frequently asked questions
- What is WebBank?
- WebBank is the regulated entity that actually issues the card — it provides the banking licence, BIN range and settlement plumbing while the crypto brand supplies the app and funding mechanism. If your card "just works", it's WebBank doing the regulated part.
- If I did KYC on one WebBank card, is it faster on another?
- Often yes — the compliance record lives with the issuer, so onboarding a second card on the same rail is frequently lighter-touch than starting fresh on a different one. Approval is never guaranteed, but the prior relationship helps.
- What happens if WebBank loses its licence or goes down?
- Every card on the rail is affected at once — that's the hidden concentration risk of shared infrastructure. If a rail stops operating, partner programmes usually migrate cardholders to a replacement issuer, but there can be an interruption.
- Are cards on the same rail identical?
- No. The rail supplies the licence and the plumbing; the front-end brand decides fees, limits, rewards and KYC depth. Two cards on WebBank can have very different terms — compare the cards, not just the issuer.