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Use this guide to answer common questions about how QASH cards behave in production.

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Card states

QASH cards support three operational states.
StateDescriptionReversible
activeCard is fully operational—
lockedCard is temporarily frozen. No transactions are authorizedYes
canceledCard is permanently closedNo
You can switch between active and locked as many times as needed. Cancellation is permanent and cannot be reversed.

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Card transactions

Card transaction payloads include the following fields.
FieldDescription
amountCharged amount
currencyTransaction currency
localAmountAmount in local currency, when applicable
localCurrencyLocal currency code
merchantNameMerchant name
merchantCategoryMerchant category
merchantCategoryCodeMerchant category code, also known as MCC
statuspending, completed, reversed, or declined
declinedReasonReason for decline, when applicable
authorizedAtAuthorization timestamp in ISO 8601 format
postedAtSettlement timestamp in ISO 8601 format
cardTypevirtual or physical

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Funding and withdrawals

QASH card balances support bidirectional money movement.

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Bank to card

Use a payment link to fund the card balance from a bank-originated payment flow. 
POST /api/v1/payments/create-link
Once the user completes the payment, funds are reflected on the card balance immediately after provider confirmation.

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Card to crypto wallet

Withdraw supported stablecoins directly to an on-chain address on Polygon. 
POST /api/v1/payments/make-payment
Content-Type: application/json

{
  "provider": "rain",
  "asset": "USDC",
  "destination": {
    "address": "0x..."
  }
}
You can use the same flow for USDT when that asset is enabled for the destination.

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Card to bank account

Withdraw fiat funds from the card balance to a bank account through a supported provider such as irisbank, cobre, or borderless. 
POST /api/v1/payments/make-payment
Content-Type: application/json

{
  "provider": "irisbank",
  "asset": "COP",
  "destination": {
    "bankAccount": "..."
  }
}

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Ledger and settlement model

Card balances are backed by tokens held in smart contracts on Polygon and reconciled in real time with the QASH ledger.