Lithic
Lithic
Data verified on unchanged since the sources
Worth it if you're a US developer or company and want to issue cards via a self-serve API, going live in hours with an interchange revenue share.
Avoid it if you're an everyday user or operate outside the United States: it's a B2B service focused on the US market, not available in Italy.
Lithic is a self-serve card-issuer BaaS platform that lets you start in hours, with an excellent developer API and an interchange revenue-share model. Its weak point is scope: it is a B2B service focused on the US market.
Data & conditions
| Service type | Card issuing / BaaS |
|---|---|
| Pricing model | Not disclosed |
| Per-card fee | $0.05 virtual |
| Card networks | Visa, Mastercard |
| Card types | virtual, physical, debit, prepaid |
| Fiat rails | ACH, Wire |
| Stablecoins | USDC, USDT |
| Certifications | SOC2-T2, PCI-DSS-L1 |
| SDK | Node, Python, Go, Java, Kotlin, Ruby |
| Fund custody | Self-custody (funds in your control) |
| KYC | Full |
| Supported countries | US · 1+ countries |
| Regulator | FinCEN / State regulators |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | MSB / Money Transmitter (state-level) OCC (US) |
Strengths
- Self-serve (inizia in ore); API excellent developer experience; interchange revenue share.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- B2B; focus US.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (OCC (US)): reporting to authorities and freezes on order.
Verdict
Tier A rewards a self-serve card-issuer BaaS that goes live in hours, with an excellent API and a clear interchange revenue-share model: low friction and good operational transparency for integrators. What holds back a top score is the B2B, US-focused scope, out of reach for the ordinary European user.
Through this lens Lithic scores low: it is OCC-regulated with full KYC and intermediated custody via a partner bank, with no self-custody or on-chain component. Its excellent developer experience, a virtue for builders, does not affect the end user's sovereignty.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Lithic, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
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App Store ↗
4.5/5
7,149 reviews
Reviews of the consumer product Privacy.com (virtual cards), not of the B2B Lithic platform: same company, different product. Exact count from itunes.apple.com/lookup (id 1040298266).
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Trustpilot ↗
4.5/5
3,344 reviews
Reviews of the consumer product Privacy.com, not of the B2B Lithic platform. Exact count read from uk.trustpilot.com (the .com domain returns 403).
Weighted average across 2 public review platforms (10,493 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
What service does Lithic offer?
Lithic is a Card Issuing & BaaS service with a hybrid model pricing.
What compliance does Lithic hold?
Certifications: SOC2-T2 and PCI-DSS-L1.
How much does it cost to integrate Lithic?
Pricing model: a hybrid model. Per-unit fees are not published: they depend on volume and contract.
Does Lithic support stablecoins?
Supported stablecoins are not documented.
Who is Lithic for?
Target: B2B. SDKs and integrations are not publicly documented.
Sources
- Official service page Pricing model · Compliance · Volume · Founders · +4 Data verified on Jul 19, 2026
- docs.lithic.com Settlement times · Fiat rails Data verified on Jun 14, 2026
- fintech.global Valuation Data verified on Jun 14, 2026
- sacra.com Company profile · Sdk languages Data verified on Jun 14, 2026
Show 2 more sources
- salespeak.ai Third-party audit Data verified on Jun 14, 2026
- startupintros.com Processed volume · Investors Data verified on Jun 14, 2026