Crypto Card Program Settlement

Crypto card programs accumulate cross-border treasury exposure every time a cardholder spends in a currency different from their wallet’s stablecoin. At end of day, the program holds net positions across multiple corridors (e.g. $2.3M net to Brazil, €450K net to Germany) and needs to settle them efficiently.

DPX handles the treasury settlement layer — compliance-gated, oracle-priced, stablecoin-routed — so card programs don’t build their own cross-border stack.

How it works

Card program daily close
    │
    │  Net positions per corridor
    │  (e.g. USD-BRL: $2.3M, USD-EUR: €450K, USD-SGD: $180K)
    ▼
POST /card/positions   ← planning call — no settlement executed
    │
    │  Returns: optimal stablecoin per corridor, settle-now vs. hold,
    │           estimated all-in fee, corridor health from Stability Oracle
    ▼
POST /card/settle      ← executes all positions via DPX batch
    │
    ├── Compliance Oracle (AML, sanctions, FATF R16 per corridor)
    ├── Stability Oracle (macro gate — holds if UNSTABLE)
    ├── ESG Oracle (counterparty scoring)
    └── On-chain settlement (USDC / EURC on Base mainnet)

Step 1 — Plan your positions

Call /card/positions at the end of your settlement window. No settlement is executed — this returns the optimal plan.

POST https://agent.untitledfinancial.com/card/positions
Content-Type: application/json

{
  "settlementDate": "2026-08-09",
  "positions": [
    { "corridor": "USD-BRL", "netAmountUsd": 2300000, "recipientAddress": "0xYourBrazilWallet" },
    { "corridor": "USD-EUR", "netAmountUsd": 450000,  "recipientAddress": "0xYourEurWallet" },
    { "corridor": "USD-SGD", "netAmountUsd": 180000,  "recipientAddress": "0xYourSGDWallet" },
    { "corridor": "USD-GBP", "netAmountUsd": 320000,  "recipientAddress": "0xYourGBPWallet" }
  ]
}

Response:

{
  "settlementDate": "2026-08-09",
  "oracleStatus": "STABLE",
  "chaosScore": 18,
  "summary": { "total": 4, "settleNow": 3, "hold": 0, "monitor": 1 },
  "plan": [
    {
      "corridor": "USD-BRL",
      "netAmountUsd": 2300000,
      "recommendedAsset": "USDC",
      "corridorStatus": "OPTIMAL",
      "recommendation": "SETTLE_NOW",
      "estimatedFee": { "total": { "usd": 46805 } },
      "quoteId": "qid_abc123",
      "quoteExpiresIn": "300s"
    },
    {
      "corridor": "USD-EUR",
      "netAmountUsd": 450000,
      "recommendedAsset": "EURC",
      "corridorStatus": "OPTIMAL",
      "recommendation": "SETTLE_NOW",
      "estimatedFee": { "total": { "usd": 9153 } }
    },
    {
      "corridor": "USD-SGD",
      "netAmountUsd": 180000,
      "recommendedAsset": "USDC",
      "corridorStatus": "CAUTION",
      "recommendation": "MONITOR"
    },
    {
      "corridor": "USD-GBP",
      "netAmountUsd": 320000,
      "recommendedAsset": "USDC",
      "corridorStatus": "OPTIMAL",
      "recommendation": "SETTLE_NOW"
    }
  ]
}

recommendation values:

SETTLE_NOW — oracle conditions optimal, corridor healthy, proceed
MONITOR — conditions acceptable but elevated risk; settle or hold based on your policy
HOLD — oracle conditions UNSTABLE or corridor ADVERSE; DPX will hold automatically anyway

Step 2 — Execute

Once you’ve reviewed the plan, call /card/settle. DPX fans out all positions in parallel via the batch settlement engine.

POST https://agent.untitledfinancial.com/card/settle
Content-Type: application/json

{
  "sandbox": false,
  "positions": [
    { "corridor": "USD-BRL", "netAmountUsd": 2300000, "recipientAddress": "0xYourBrazilWallet" },
    { "corridor": "USD-EUR", "netAmountUsd": 450000,  "recipientAddress": "0xYourEurWallet" },
    { "corridor": "USD-GBP", "netAmountUsd": 320000,  "recipientAddress": "0xYourGBPWallet" }
  ]
}

Response:

{
  "cardSettle": true,
  "sandbox": false,
  "corridors": 3,
  "summary": { "total": 3, "succeeded": 3, "failed": 0 },
  "results": [
    { "index": 0, "status": 200, "data": { "settlementId": "dpx_...", "txHash": "0x..." } },
    { "index": 1, "status": 200, "data": { "settlementId": "dpx_...", "txHash": "0x..." } },
    { "index": 2, "status": 200, "data": { "settlementId": "dpx_...", "txHash": "0x..." } }
  ]
}

Stablecoin routing

DPX automatically selects the optimal stablecoin per corridor:

Destination	Asset	Reason
EUR corridors	EURC	Native euro stablecoin, no FX conversion
All other corridors	USDC	Dominant liquidity on Base (58% of crypto card volume)

MCP — run from any AI agent

npx @untitledfinancial/dpx-mcp

Two tools available:

card.positions — plan settlement (free, no payment required):

Plan my card program treasury settlement for today.
Positions: USD-BRL $2.3M, USD-EUR €450K, USD-SGD $180K

card.settle — execute:

Execute card treasury settlement:
USD-BRL $2.3M to 0xYourBrazilWallet
USD-EUR €450K to 0xYourEurWallet
Use sandbox mode.

Settlement limits

Parameter	Limit
Max corridors per call	20
Max amount per corridor	No hard limit (oracle gate applies)
Batch parallelism	All corridors settle simultaneously
Quote TTL	300 seconds from `/card/positions`

What DPX handles automatically

Oracle gate — settlement holds if Stability Oracle returns UNSTABLE
Compliance screen — AML, sanctions, FATF R16 on every corridor
ESG scoring — counterparty score determines ESG fee component
Stablecoin selection — EURC for EUR corridors, USDC elsewhere
Receipts — ISO 20022 pacs.002 returned per settlement, webhook delivery available

Sandbox

Add "sandbox": true to any call. Oracle checks and compliance screens run against live data; settlement returns a mock settlementId without on-chain execution.

POST https://agent.untitledfinancial.com/card/positions
# sandbox mode: same response, no settlement executed on /card/settle