Deserve vs Lithic
Deserve and Lithic compete in the same bracket: coverage, certifications and integration time-to-market decide it. On compliance Lithic documents more certifications (2 vs 0). For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
| Deserve | Lithic | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.4 | ★ 4.3 |
| Service type | Card issuing / BaaS | Card issuing / BaaS |
| Pricing model | Monthly SaaS | Not disclosed |
| Card networks | Mastercard | Visa, Mastercard |
| Card types | credit, virtual | virtual, physical, debit, prepaid |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| KYC | Full | Full |
| Supported countries | US · 1+ countries | US · 1+ countries |
| Regulator | OCC (via partner banks) | FinCEN / State regulators |
| OAM Italy registration | No | No |
| Segment | B2B | B2B |
| Per-card fee | — | $0.05 virtual |
| Fiat rails | — | ACH, Wire |
| Stablecoins | — | USDC, USDT |
| Certifications | — | SOC2-T2, PCI-DSS-L1 |
| SDK | — | Node, Python, Go, Java, Kotlin, Ruby |
| Regions | US | US |
| Licences & safety | Sponsor bank (Celtic Bank / Evolve Bank) | MSB / Money Transmitter (state-level) |
Frequently asked questions
Deserve vs Lithic: which is better?
Deserve and Lithic compete in the same bracket: coverage, certifications and integration time-to-market decide it. On compliance Lithic documents more certifications (2 vs 0). For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
Is Deserve custodial or self-custody?
Deserve is self-custody: you keep the keys, while Lithic is self-custody.