Card Generations

The WIrex Pay Card APIs supports two card generations, enabling partners to choose between isolated wallet flows or unified abstraction models for simplified fund management.

Generation 1 (Gen1) Cards

Gen1 cards use a dedicated smart wallet per card. Users must fund the wallet directly to use their card for payments.

Each card issuance results in a unique smart wallet.
Manual user transfers are required to fund the wallet before use.
Transactions are processed based on the card-specific balance.

⚠ Deprecation Notice: Support for Generation 1 (Gen1) Cards will be deprecated. Partners are strongly
encouraged to transition to Generation 2 (Gen2) Cards to ensure continued support and access to enhanced features.

Generation 2 (Gen2) Cards

Gen2 cards connect to a unified Account Abstraction model, streamlining fund management by using a single wallet per user.

A unified Account Abstraction is created for the user to support Gen2 cards.
If unavailable, the system automatically falls back to the Gen1 model.
All Gen2 payments are deducted from the user's Account Abstraction wallet.

Key Points:

Recommended for partners seeking seamless, low-friction card usage.
Simplifies wallet funding and improves user experience at scale.

With the WIrex Pay Card API, partners can deliver modern card experiences for retail users—whether issuing thousands of cards, integrating KYB/KYC flows, or enabling secure, blockchain-backed payments in a non-custodial environment.