United States and global compliant partner markets (initial proof-of-concept rollout in first half of 2027)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- An institutional BaaS partnership model: front-end card fees are determined independently by partner issuers, and the platform assesses no monthly fee (0 monthly fee) on end users. ATM cash advance policies are set by each issuing institution.
- Debit / Deduction Model
- A stablecoin backend clearing credit card (Card-as-a-Service): leveraging stablecoins as the underlying real-time settlement and collateral network
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Targeted at regulated fintechs and institutional clients; end cardholders undergo standard KYC per issuer and local banking regulations.
- Officially supported countries and regions
- United States and global compliant partner markets (initial proof-of-concept rollout in first half of 2027)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa / Mastercard partner settlement network
- Issuer Arrangement / Payment Rails
- Thredd in partnership with Bakkt stablecoin clearing platform and licensed partner banks. The card BIN is not published, and this page does not speculate on it.
- Apple Pay / Google Pay
- Thredd features native tokenization capabilities, supporting one-click push provisioning to Apple Pay and Google Wallet.
- Overseas AI Subscriptions
- Depends on specific card BIN assignments and merchant risk-management rules by individual issuers.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Partner issuers may customize stablecoin dividends or token cashback mechanisms; no uniform cashback percentage is mandated by the platform.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa / Mastercard
- Issuer arrangement / BIN
- Thredd in partnership with Bakkt stablecoin clearing platform and licensed partner banks. The card BIN is not published, and this page does not speculate on it.
- Apple Pay
- ✅ Explicitly stated in official materials: Thredd features native tokenization capabilities, supporting one-click push provisioning to Apple Pay and Google Wallet.
- Google Pay
- ✅ Explicitly stated in official materials: supports mainstream Android mobile wallets.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: depends on specific card BIN assignments and merchant risk-management rules by individual issuers.
Compatibility information for this card was verified on 2026-10-14 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 153 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- No cardholder-facing app (B2B infrastructure)
- Web Portal Support
- Pending Verification — B2B 'Credit Card as a Service' infrastructure without a direct consumer-facing app or web portal; cards will be issued by partner banks and offered to end users by adopting brands.
- Apple App Store
- No iOS App
- Google Play
- No Google Play App
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
Explicit GDPR Compliance
Bakkt Privacy Policy includes US (California CCPA) terms and a 'UK & EU Addendum': addendum operates under UK GDPR and EU GDPR with controller Bakkt Financial Solutions I, LLC, enumerating access, rectification, erasure (right to be forgotten), restriction, portability, objection, and consent withdrawal via GDPR portal; complaints to UK ICO or local regulators; consumer financial data covered by GLBA notice; Thredd acts as card processor without direct cardholder relationship
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained for the period necessary to fulfill collection purposes, taking into account legal obligations and limitation periods; specific periods available on request (UK/EU Addendum)
- App Store Privacy Label
- —
- Google Play Data Safety
- —
- Account Deletion Flow
-
No direct cardholder accounts; privacy policy provides an online request form (OneTrust) and toll-free number 1-800-322-1719, with UK/EU users able to request erasure through the GDPR Data Subject Rights Portal
Verified on 2026-10-14. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
How the BaaS model drives traditional bank adoption of stablecoins
The initiative equips regional commercial banks and non-crypto-native fintechs with an out-of-the-box tokenised credit card solution without needing to build complex on-chain settlement infrastructure. [1]
Frequently asked questions
Can individual retail consumers apply for this card directly on Bakkt's website?
No, this architecture is B2B2C infrastructure; end consumers will apply through partner banks or fintech apps that integrate the platform.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Bakkt & Thredd Stablecoin Card on X; search results may change over time.
More public discussion of Bakkt & Thredd Stablecoin Card on X
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