Card & FX covers the card issuing and multi-currency payment features connected to your Onyx account.
Depending on account eligibility and regional support, your account can provide:
- virtual cards
- physical cards
- wallet-funded spending
- FX conversion
- multi-currency balances
- transaction activity
- card controls
- payment verification
Availability depends on:
- region
- verification state
- wallet readiness
- supported payment rails
- issuer availability
- supported currencies
- active account state
Not every account or region supports the same card or FX features.
Card & FX
Card and conversion review
Check card state, funding source, quote details, and settlement status before an action continues.
Card state
Active, frozen, suspended, expired
Eligibility
Region and verification
Controls
Freeze, replace, review
Card and FX actions require an eligible account state.
How Card Features Work
Card features are attached to the same account used for:
- mobile service
- wallet activity
- identity verification
- account recovery
- payment history
Depending on eligibility, your account may support:
- instant virtual card issuance
- physical card requests
- wallet-backed settlement
- multi-currency spending
- digital wallet provisioning
- recurring merchant payments
Some regions support wallet functionality without supporting card issuance.
Card Availability
Before a card becomes available, your account may require:
- identity verification
- wallet setup
- backup confirmation
- supported funding balance
- payment eligibility review
Card availability can appear as:
- available
- pending verification
- pending review
- unavailable
- suspended
- expired
Some features remain hidden until eligibility requirements complete successfully.
Virtual Cards
Virtual cards can become available immediately after approval.
Depending on issuer support, virtual cards may support:
- online purchases
- recurring payments
- mobile wallet provisioning
- international transactions
- merchant authorization holds
Some virtual cards can be:
- frozen
- replaced
- reissued
- restricted to specific transaction types
Card controls can vary by issuer and region.
Physical Cards
Physical card support depends on:
- delivery region
- issuer support
- verification state
- active funding configuration
Depending on the region, physical card issuance may require:
- address verification
- identity review
- shipping confirmation
- regulatory approval
Delivery timing can vary by:
- region
- carrier availability
- issuer processing time
Funding And Settlement
Card transactions can settle from:
- wallet balances
- supported stablecoins
- supported fiat balances
- FX-converted balances
Settlement behavior depends on:
- merchant type
- issuer configuration
- supported payment rails
- regional banking support
- FX conversion requirements
Some transactions may appear:
- pending
- authorized
- partially settled
- completed
- reversed
Merchants can place temporary authorization holds before final settlement completes.
FX Conversion
FX features allow supported balances to convert between supported currencies.
Before confirming a conversion, the app can show:
- source currency
- destination currency
- quoted exchange rate
- estimated fees
- spread where applicable
- quote expiration timing
FX support depends on:
- supported currency pairs
- issuer availability
- regional restrictions
- payment rail support
- account verification
Rates can change before confirmation depending on:
- market movement
- liquidity
- banking settlement timing
- provider availability
Some quotes expire if confirmation takes too long.
Transaction States
Card and FX activity can appear as:
- created
- pending
- awaiting approval
- authorized
- submitted
- settled
- completed
- failed
- cancelled
- reversed
- expired
Settlement timing can vary depending on:
- merchant processing
- banking rails
- FX conversion timing
- regional processing windows
- network conditions
Some merchants finalize transactions immediately. Others can take several days before settlement completes.
Verification And Restrictions
Card and FX actions can require:
- identity verification
- address verification
- wallet confirmation
- transaction review
- payment eligibility checks
Verification requirements can change depending on:
- region
- transaction amount
- issuer policy
- settlement rail
- fraud review
- local regulation
Your account may show:
- verification required
- pending review
- restricted activity
- temporary hold
- additional information required
Some actions remain unavailable until verification completes successfully.
Digital Wallet Support
Depending on issuer and region support, cards may support:
- Apple Pay
- Google Wallet
- tokenized mobile payments
Digital wallet provisioning can require:
- device verification
- issuer approval
- wallet confirmation
- biometric authentication
Availability varies by:
- device
- region
- issuer support
- payment network support
What Can Affect Availability
Card and FX features can become unavailable because of:
- unsupported region
- unsupported currency
- issuer restrictions
- wallet disconnect
- failed verification
- funding failure
- provider outage
- transaction review
- regulatory restrictions
The app should show the current restriction before a transaction begins.
Privacy And Security
Sensitive card and payment information is protected through issuer security controls, wallet authentication, and tokenized payment flows.
Some actions can require:
- biometric confirmation
- device approval
- reauthentication
- wallet signing approval
Never share:
- recovery phrases
- private signing approvals
- one-time verification codes
- wallet backup material