Spend crypto without selling

Other crypto cards and finance apps require you to sell your crypto to pay for expenses. Quartz lets you stay holding all your investments by paying for transactions through a secured line of credit, backed by your crypto assets. Other lending protocols require you to actively manage your loans to avoid liquidation fees, but Quartz handles all of this for you automatically.

Instead of selling, Quartz takes out a DeFi loan to cover the transaction whenever you pay with your card. DeFi loans are an on-chain, overcollateralized line of credit secured by your crypto assets. With traditional crypto cards, you have to sell your investments for stablecoins or fiat in order to spend, but Quartz lets you stay holding. Since you don't sell, you keep all the gain if your assets increase in value.

Quartz loans are protected from liquidation fees, unlike other DeFi lending providers which charge up to 10%. If your assets drop too low in value, they are automatically sold at market rate to pay off your loan.

You can order a virtual or physical Quartz card, which can be used for both in-person and online transactions anywhere Visa is accepted. The card also supports Apple/Google Pay and can be managed in the app and website.

Yes! We won 5th place in Payments for the Colosseum Radar hackathon, the largest hackathon in crypto history. We also won 3rd place in Mercuryo's "Best Consumer Use Cases" hackathon.

Quartz currently takes no fees. We don't charge any spend, top-up, maintenance, or hidden fees. There is a 1.5% + $0.30 foreign exchange fee on non-USD card transactions, which we pass on from our card-issuing partner.

While the Quartz protocol can be used by anyone permissionlessly, regulation requires that the card is only used by users who pass KYC verification.

Our private beta is available to select members of your early-access Discord community, with more spaces available as we update the product. There are a limited number of spots, so join the waitlist to secure yours!

If you'd like to learn more about Quartz, check out our docs.

If you can't find what you're looking for there, we’re always happy to answer any questions you may have! You can reach out to us on X, join our Discord community, or send an email to diego@quartzpay.io.