Benefits
OneSphere is designed to help eligible customers spend, borrow, protect collateral, reduce costs, and benefit from ecosystem rewards through one intelligent financial control system.
Traditional crypto cards focus on spending. OneSphere goes further by combining card access, collateral-backed credit, smart liquidity routing, treasury-aligned rewards, fee offsets, verification-based benefits, and real-time risk intelligence.
Benefits, rewards, collateral credit, limits, insurance eligibility, and product access are subject to jurisdiction, account status, verification, risk review, treasury performance, and applicable terms.
Benefits overview
OneSphere benefits are built around a simple idea: customers should have more control over how they access liquidity from digital assets. Instead of forcing users to sell crypto, manually manage collateral risk, or rely on basic cashback, OneSphere gives eligible users tools that help them make smarter financial decisions before, during, and after every transaction.
Choose whether your card uses balance, conversion, stablecoins, collateral credit, or a hybrid funding route.
Get real-time recommendations designed to help avoid unnecessary asset sales or increased collateral risk.
Receive timing intelligence before large purchases, including whether to spend now, hold, borrow, or convert later.
Build a dedicated reserve that can help reduce future conversion fees, card costs, or loan interest.
Eligible customers may benefit when the OneSphere ecosystem generates approved treasury rewards.
Access borrowing power backed by approved crypto collateral without automatically selling long-term holdings.
Eligible balances may qualify for rewards, subject to product terms, account status, and jurisdiction.
Eligible cardholders may receive coverage up to 120,000 per card through TokenInsurance, subject to policy terms.
01 · Liquidity Shield
Liquidity Shield is designed to help customers avoid poor funding decisions before they happen.
OneSphere Liquidity Shield is a built-in protection layer that monitors a customer’s card spending, collateral health, loan exposure, rewards balance, verification level, and account status in real time. Before a transaction is funded, Liquidity Shield can recommend the safest available route: balance, conversion, stablecoin, collateral credit, or hybrid funding.
The goal is simple: help users access liquidity without blindly selling assets or accidentally increasing liquidation risk.
Recommendation
Use stablecoin balance first, then account balance. Avoid collateral credit for this transaction to preserve collateral health.
Customer benefit
Liquidity Shield makes OneSphere feel less like a crypto card and more like an intelligent financial control system for digital assets. It helps users make safer, more informed funding decisions before each transaction.
Liquidity Shield provides decision-support tools and recommendations only. It does not guarantee protection against losses, liquidation, market volatility, fees, or declined transactions.
02 · Exit Velocity
Exit Velocity helps customers think before making large liquidity decisions.
OneSphere Exit Velocity is a card and loan intelligence system that helps customers plan when not to spend, when not to convert, and when borrowing may or may not be the better route. Instead of only enabling transactions, OneSphere can analyse market movement, collateral position, loan cost, rewards balance, Treasury Share credits, and user goals before large purchases.
Before a major transaction, Exit Velocity can show a clear recommendation: Spend Now, Hold, Borrow, Convert Later, or Split Funding.
The transaction can be funded without materially affecting collateral health or long-term liquidity goals.
The system identifies that spending now may weaken liquidity, reduce reserve strength, or conflict with user goals.
Approved collateral credit may be a more suitable route than selling selected assets, subject to loan terms and risk.
The system identifies that immediate conversion may not be optimal based on market movement, user settings, or liquidity preferences.
The transaction may be best funded using a blend of balance, stablecoins, conversion, and collateral credit.
Example use case
A customer wants to make a $5,000 purchase. Exit Velocity checks market movement, available balance, stablecoin reserves, collateral health, existing loan exposure, current LTV, rewards available, Treasury Share credits, loan cost, and the user’s preferred hold assets.
System recommendation
“Split Funding: Use $1,500 stablecoin balance, $1,000 account balance, and $2,500 collateral credit. Avoid selling protected long-term assets.”
Customer benefit
Exit Velocity positions OneSphere as the first crypto card concept focused on financial timing intelligence. It helps customers avoid bad liquidity decisions, not just gives them another way to spend crypto.
Exit Velocity does not provide financial advice. Recommendations are based on platform settings, user preferences, account data, and available product options. Customers remain responsible for their own financial decisions.
03 · Fee Offset Reserve
Fee Offset Reserve is designed to make rewards practical, visible, and financially useful.
Every time an eligible customer uses OneSphere, a portion of eligible rewards, cashback, Treasury Share credits, or approved yield-derived benefits can be automatically set aside into a dedicated Fee Offset Reserve. This reserve can then be applied toward future conversion fees, card fees, or loan interest.
Instead of rewards feeling like points with limited value, OneSphere turns them into a direct cost-reduction engine.
Rewards should not just look good. They should reduce real costs.
Customer benefit
The customer gets a clear financial benefit: the more responsibly they use the platform, the more they may reduce the effective cost of spending and borrowing.
Fee Offset Reserve benefits are subject to eligibility, reward availability, account status, programme terms, and product availability. Offsets are not guaranteed and may vary.
04 · OneSphere Treasury Share
Treasury Share is designed to align customer activity with approved ecosystem rewards.
OneSphere Treasury Share is a platform-aligned rewards programme that allows eligible customers to benefit from approved ecosystem earnings. When the OneSphere treasury generates eligible rewards from activities such as staking, validator operations, liquidity-fee participation, partner rebates, protocol incentives, or ecosystem airdrops, a defined portion may be allocated into a customer benefit pool.
Active users can earn from this pool through card spending, verified account activity, and responsible collateral-loan repayments. Rewards may then be applied toward fee offsets, card benefits, loan-interest credits, or repayment support.
Core idea
As the OneSphere ecosystem performs, eligible customers can receive financial benefits that help reduce the real cost of spending and borrowing.
Treasury Share sources
How customers earn weight
How rewards may be used
Illustrative dashboard. Pool size, activity score, and individual allocations are examples only.
Customer benefit
Treasury Share makes customers feel like aligned participants in the OneSphere ecosystem. They are not just using a card — their activity may help unlock benefits funded by approved ecosystem performance.
Treasury Share is a discretionary customer rewards programme. It is not an equity interest, investment product, dividend, profit share, security, ownership right, or guaranteed return. Rewards may vary, may not be available in all jurisdictions, and are subject to account status, eligibility, treasury performance, programme terms, and platform approval criteria.
05 · Crypto-Collateral Credit
Access liquidity from approved crypto collateral without automatically selling selected long-term holdings.
OneSphere collateral credit gives eligible customers the ability to use approved crypto assets as collateral for flexible borrowing power. Instead of forcing every card transaction to rely on crypto conversion, users may be able to draw from a collateral-backed credit line and use that liquidity through their OneSphere card account.
Access liquidity without automatically selling selected digital assets.
Available credit adjusts based on approved collateral, account status, LTV, verification level, and risk controls.
Track collateral health, loan exposure, and risk zones from the dashboard.
Manage repayments, top-ups, and credit usage from one account.
Eligible rewards may help offset loan interest or support repayment activity.
Borrowing against crypto involves risk. If collateral value falls, customers may be required to add collateral, repay part of the loan, or face liquidation under applicable loan terms.
06 · Verification-based benefits
OneSphere uses verification levels to balance access, flexibility, security, and compliance.
OneSphere is designed with tiered access. Selected lower-tier features may be available without KYC where legally permitted, while higher limits, enhanced benefits, collateral credit, Treasury Share features, and premium card tiers may require verification. Elite card access requires KYC verification. Business access may require KYB and additional review.
Lower-tier access where legally available, with reduced limits and selected features.
Higher limits, enhanced benefits, wider product access, and improved account controls.
Premium personal tier with KYC required.
Business-focused card and credit access, with KYB/KYC review where required.
Verification requirements may change based on jurisdiction, transaction activity, risk review, product selection, account behaviour, and regulatory obligations.
07 · Rewards on Eligible Balances
Eligible balances may qualify for rewards that can support card benefits, fee offsets, or account value.
OneSphere may allow eligible customer balances to qualify for compound rewards, depending on account status, jurisdiction, balance type, verification level, and product terms. These rewards can integrate with the wider OneSphere benefits system, including Fee Offset Reserve and Treasury Share.
Rewards are not guaranteed. Rewards may vary and are subject to product terms, account status, balance type, jurisdiction, and availability. Cryptoasset values may fluctuate.
08 · Pathways
OneSphere helps individuals access card spending, collateral credit, smart routing, rewards, verification-based benefits, and Treasury Share features from one dashboard.
OneSphere helps businesses access operational card products, higher-volume review, collateral-backed liquidity options, KYB/KYC pathways, business spend controls, and Treasury Share participation where eligible.
OneSphere combines crypto cards, collateral credit, smart funding, liquidity protection, fee offsets, Treasury Share rewards, and verification-based benefits into one intelligent platform.
Card access, collateral credit, rewards, Fee Offset Reserve, Treasury Share allocations, insurance eligibility, verification requirements, and platform benefits are subject to jurisdiction, account status, risk review, treasury performance, product terms, and approval criteria. OneSphere does not provide financial advice.
Cryptoassets are volatile and may not be suitable for all users. OneSphere Crypto Cards does not provide financial, investment, legal, or tax advice. Collateral-backed borrowing carries risk, including possible liquidation if collateral value falls. Treasury Share is a discretionary rewards programme and does not represent equity, ownership, dividends, profit share, securities, investment returns, or guaranteed income. Benefits, rewards, insurance eligibility, collateral credit, limits, and product access are subject to jurisdiction, verification, risk review, account status, and applicable terms.
