Modern Card Issuance Platform for B2C & B2B
Virtual & Physical Cards
- Instant virtual Mastercard (ready in seconds)
- Physical cards delivered worldwide (5-7 days)
- Create multiple cards for different purposes
- Freeze/unfreeze cards instantly from dashboard
Multi-Currency Wallet
- Hold 150+ currencies (USD, EUR, GBP, NGN, KES, ZAR, etc.)
- Crypto support (Bitcoin, Ethereum)
- Real-time currency conversion at competitive rates
- Spend in any currency, we auto-convert
Smart Spending Controls
- Set daily, weekly, or monthly limits
- Block specific merchant categories (gambling, adult content)
- Restrict card usage by country/region
- Real-time transaction alerts (push, email, SMS)
Privacy & Security
- Disposable virtual cards for one-time purchases
- Two-factor authentication (2FA)
- Biometric login (fingerprint, Face ID)
- Zero balance on card (JIT funding = stolen card can't be drained)
Team Card Management
- Bulk card issuance via CSV upload (create 100+ cards at once)
- Per-employee spending limits and budgets
- Role-based access control (5 user roles)
- Real-time visibility into all company spending
Expense Management
- Automatic transaction categorization
- Receipt capture and attachment
- Approval workflows for large purchases
- Merchant whitelisting/blacklisting
Financial Operations
- Virtual account numbers for payroll deposits
- Automated reconciliation with accounting systems
- Monthly statements (PDF/CSV export)
- Multi-currency contractor payments
Enterprise Features
- API access for programmatic card issuance
- Custom integrations (QuickBooks, Xero, NetSuite)
- Dedicated account manager
- SSO integration (Google Workspace, Okta)
| Feature | Basic (Free) | Standard (Free) | Turbo ($9.99/mo) |
|---|---|---|---|
| Monthly Limit | $100 | $1,000 | $10,000 |
| Virtual Cards | 3 | 10 | Unlimited |
| Physical Cards | No | 1 | 5 |
| Crypto Funding | No | No | Yes |
| ATM Withdrawals | No | $2.50/tx | $1.50/tx |
| Priority Support | No | No | Yes (2hr response) |
| KYC Required | None | ID Upload | Full Verification |
| Feature | Starter ($29/mo) | Growth ($99/mo) | Enterprise (Custom) |
|---|---|---|---|
| Employee Cards | 10 | 50 | Unlimited |
| Monthly Volume | $10,000 | $100,000 | Unlimited |
| Bulk Issuance | No | Yes | Yes |
| API Access | No | Yes | Yes |
| Reconciliation | Manual | Automated | Automated + Custom |
| Support | Email (24hr) | Priority (4hr) | Dedicated Manager |
| Custom Integrations | No | No | Yes |
- Physical Card Issuance: $5 one-time
- Currency Conversion: 0.5% (fiat), 2% (crypto)
- ATM Withdrawals: $2.50 + operator fees
- International Transfers: $3 flat fee
- No Hidden Fees: No monthly maintenance, no inactivity fees
Your card has $0 balance. When you make a purchase:
1. Merchant swipes card → 2. Authorization request (<50ms) →
3. Check wallet balance → 4. Apply spending rules →
5. Approve/Decline → 6. Fund transaction if approved
Benefits:
- Security: Stolen card = $0 risk (no balance to steal)
- Flexibility: Use any currency in your wallet
- Control: Real-time limit enforcement
You have: €500 in wallet
You spend: $100 USD at Amazon
We convert: €500 → $100 (at live rate + 0.5% spread)
Result: €91.50 deducted, transaction approved
┌─────────────────────┐
│ User Dashboard │
│ (Next.js + React) │
└──────────┬──────────┘
│
┌──────────▼──────────┐
│ API Gateway │
│ (Node.js/Express) │
└──────────┬──────────┘
│
┌────────────────┼────────────────┐
│ │ │
┌─────────▼────────┐ ┌───▼────┐ ┌───────▼────────┐
│ JIT Funding │ │ Redis │ │ PostgreSQL │
│ Service (Go) │ │ Cache │ │ Database │
│ <100ms latency │ │ │ │ (Multi-AZ) │
└─────────┬────────┘ └────────┘ └────────────────┘
│
┌─────────▼────────┐
│ Marqeta API │
│ (Card Issuer) │
└──────────────────┘
Data Flow:
- User Action → Dashboard sends request
- API Gateway → Validates, authenticates, routes
- JIT Service → Checks balance, applies rules (<100ms)
- Database → Stores transactions, user data
- Cache → Fast lookups for auth, rates
- Marqeta → Physical card network integration
- Encryption: AES-256 at rest, TLS 1.2+ in transit
- Authentication: JWT tokens + Redis session caching
- Authorization: Role-based access control (RBAC)
- 2FA: SMS, authenticator app, biometric
- Fraud Detection: AI-powered anomaly detection
- PCI-DSS Level 1: Highest payment security standard
- GDPR Compliant: Data export, deletion, privacy rights
- SOC 2 Type II: (In progress) Security audit
- FDIC Insured: Funds held at partner bank (up to $250K)
- 99.9% Uptime SLA: Multi-AZ deployment
- Sub-100ms Authorization: High-performance Go service
- Auto-Scaling: Kubernetes handles traffic spikes
- Real-Time Updates: WebSocket for live balance changes
- API-First: RESTful APIs for all operations
- Online Shopping: Amazon, Netflix, Spotify subscriptions
- Travel: Hold multiple currencies, no foreign fees
- Crypto Spending: Convert Bitcoin to USD, spend anywhere
- Privacy: Disposable cards for untrusted websites
- Budgeting: Strict limits prevent overspending
- Remote Teams: Issue cards to employees worldwide
- Marketing Spend: Track ad spend across platforms (Google, Meta)
- Travel & Expenses: Employees book flights/hotels on company cards
- Vendor Payments: Pay SaaS subscriptions (AWS, Salesforce)
- Contractor Payouts: Pay freelancers in their local currency
Frontend: Next.js 14, React 18, TypeScript, Tailwind CSS, Socket.io
Backend: Node.js (Express), Go (JIT Service)
Database: PostgreSQL 15 (Multi-AZ), Redis 7
Queue: RabbitMQ (Amazon MQ)
Infrastructure: Kubernetes (EKS), Terraform, AWS
Integrations: Marqeta (cards), Stripe (payments), Paystack (Africa), OpenExchangeRates
Core Platform: Complete (13,306 lines of code, 96 test files)
Infrastructure: Code Complete (Terraform + Kubernetes ready)
Production: Pre-Production (awaiting AWS provisioning)
Launch Target: 12 weeks from infrastructure deployment
See COMPREHENSIVE_ROADMAP.md for detailed timeline.
- Admins/Businesses:
- Card issuance (virtual & physical), JIT funding, multi-currency wallet
- Budget tracking, approval workflows, dispute handling
- Business Analytics (Spending by category/employee/trends)
- Accounting Integrations (QuickBooks/Xero/NetSuite - Mocked)
- Mobile App (Alpha):
- Real-time Dashboard & Spending Insights
- Card Management (Freeze/Unfreeze)
- Receipt Capture (Camera + OCR)
- Push Notifications
- Onboarding:
- Automated KYC (Onfido Integration - Mocked Backend)
- Real-time policy enforcement and spending controls
- Accounting integrations (QuickBooks, Xero, NetSuite)
- Mobile app (iOS/Android) with OCR receipt capture
- Advanced analytics and scheduled reports
- Automated KYC and instant funding (Plaid)
- AI-powered spend optimization and fraud detection
- Real-time collaboration tools and shared workspaces
- Developer platform (GraphQL API, SDKs, webhooks)
- No-code integrations (Zapier, Make.com, n8n)
- Crypto features (1% BTC cashback, staking, DeFi integration)
- Global payment methods (UPI, PIX, M-Pesa, Alipay)
- Banking services (checking, savings, credit lines, loans)
- Enterprise features (SSO, white-label, advanced RBAC)
- Treasury management and spend optimization tools
- AI assistant, voice commands, and marketplace ecosystem
Detailed roadmaps: TIER 1 | TIER 2 | TIER 3 | TIER 4 | TIER 5
- Product Brief - Complete feature overview and pricing
- Comprehensive Roadmap - 12-week production roadmap
- Infrastructure Guide - Deployment instructions
- Enterprise Readiness Gap Analysis - Production checklist
- Marqeta API Assessment - Integration details
- Task List - Development progress
- API Documentation - REST API reference
- Subscription Fees: $9.99/mo (Personal Turbo), $29-99/mo (Business)
- Transaction Fees: 0.5% currency conversion, 2% crypto conversion
- Card Fees: $5 per physical card issuance
- ATM Fees: $2.50 per withdrawal
- Enterprise Licensing: Custom pricing for white-label partners
- Personal: 18-45 year olds, crypto enthusiasts, digital nomads, privacy-conscious users
- Business: Remote-first companies, marketing agencies, e-commerce businesses, startups
- Geographic: US, UK, EU, Nigeria, Kenya, South Africa (expanding to 50+ countries)
- JIT Funding: More secure than Revolut/Wise pre-funded cards
- Crypto-Native: Unlike traditional banks, we embrace Bitcoin/Ethereum
- Bulk Issuance: Faster than Brex for large teams (1000+ cards in minutes)
- Transparent Pricing: No hidden fees unlike legacy banks
We welcome contributions! See CONTRIBUTING.md for guidelines.
Code Standards: ESLint + Prettier, Conventional Commits, 75%+ test coverage
This project is licensed under the MIT License - see LICENSE file for details.
- Marqeta (Nasdaq: MQ) - Card issuing platform (trusted by Square, DoorDash, Uber)
- Stripe - Payment processing infrastructure
- Paystack - African payment gateway (Nigeria, Kenya, South Africa)
- OpenExchangeRates - Real-time currency conversion (150+ currencies)
- AWS - Cloud infrastructure (EKS, RDS, ElastiCache)
- Website: https://atlanticfrewaycard.com
- Email: support@atlanticfrewaycard.com
- Live Chat: Available 24/7 in dashboard
- Help Center: https://help.atlanticfrewaycard.com
- GitHub Issues: Report bugs
- API Docs: docs/API.md
- Developer Portal: (Coming soon)
Built with ❤️ by the Atlantic Freeway Team
Last Updated: February 10, 2026 See PHASE_1_MVP_LAUNCH.md for current implementation status.
- Crypto-Native: Unlike traditional banks, we embrace Bitcoin/Ethereum
- Bulk Issuance: Faster than Brex for large teams (1000+ cards in minutes)
- Transparent Pricing: No hidden fees unlike legacy banks
We welcome contributions! See CONTRIBUTING.md for guidelines.
Code Standards: ESLint + Prettier, Conventional Commits, 75%+ test coverage
This project is licensed under the MIT License - see LICENSE file for details.
- Marqeta (Nasdaq: MQ) - Card issuing platform (trusted by Square, DoorDash, Uber)
- Stripe - Payment processing infrastructure
- Paystack - African payment gateway (Nigeria, Kenya, South Africa)
- OpenExchangeRates - Real-time currency conversion (150+ currencies)
- AWS - Cloud infrastructure (EKS, RDS, ElastiCache)
- Website: https://atlanticfrewaycard.com
- Email: support@atlanticfrewaycard.com
- Live Chat: Available 24/7 in dashboard
- Help Center: https://help.atlanticfrewaycard.com
- GitHub Issues: Report bugs
- API Docs: docs/API.md
- Developer Portal: (Coming soon)
Built with ❤️ by the Atlantic Freeway Team
Last Updated: February 3, 2026