⌘ 01 — Calculator

Stablecoin Card ROI

A reduced simple model to quickly assess how your stablecoin card program can generate ROI. It uses a lot of assumptions for simplicity sake.
Advanced calculator available upon request.

Inputs

Active cardholders

5000

Avg monthly spend / user(+)

$600

Avg transactions / user / month

(Estimated avg ticket: $33.33 per purchase)

CAC per acquired user

$12

Net monthly revenue

$7,400

$88,800 annualized

ARPU / month

$1.48

CAC payback

8.1 mo

Interchange

$45,000

FX spread

$9,600

Cashback cost

-$30,000

Issuer cost

-$7,200

User maintenance

-$10,000

Reality check. Interchange is rarely a clean take rate — it's tiered by MCC and capped in some markets. Additionally, most card issuers charge upfront setup fees and enforce monthly minimums that this basic calculator does not include. That is why I have built the advanced calculator below.

For real builders

Want to use the advanced fully-customizable ROI calculator?

↓

Advanced ROI Calculator

Stop guessing your margins.

Get near-certainty on your stablecoin card's profitabilty. Accurately forecast user growth, monthly spend, custom fees, and physical card manufacturing costs so you know exactly how and when your card program becomes profitable.

Click to zoom

The Simple Model

✗Static user and monthly spend (no growth forecasting)
✗No program or setup implementation fees accounted for
✗Flat issuer cost per transaction (no complex fee schedules)

Best for extremely quick, high-level feasibility checks only.

Recommended

The Advanced Model

✓Regional Logic: Accurate interchange fees for USA vs. Europe vs. LATAM.
✓Granular Funnel: Independent overrides for registered, approved, and active spenders.
✓Physical Cards: Unit economics including manufacturing, personalization, and shipping costs.
✓Detailed Projections: Cohort heatmaps and monthly financial planning views.

Used by fintech founders to back up board meetings and pricing sheets.

The bundleCalculator + Onboarding

You don't just get the tool. We get on a 60-minute 1-on-1 call to plug in your actual vendor quotes, configure your regional settings, and find the hidden fees in your term sheets.

$250$150

40% Off Early User Discount — Use Coupon: EARLY40

You will receive access to the tool immediately after payment.