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Overview

This is the state reference behind both card products. How to order each one lives on its own page: USA prepaid card and international prepaid card. What follows is what the states mean and what /get-card-data returns at each one. Non-reloadable cards go through a simple lifecycle: order, wait for details, spend, and deplete. Once the balance is used up the card is done, but you can make multiple purchases until it hits zero.

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Lifecycle stages

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1. Order

Call GET /get-card?amount=50 with an x402 payment. The amount you pay in USDC is the amount loaded onto the card (between $5 and $1,000). The response returns immediately with:
  • card.card_id — Unique identifier for this card
  • card.status — Always "pending" at this point
  • auth.id_token — Bearer token for polling

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2. Pending

The card has been ordered but the details aren’t ready yet. This stage lasts ~7-10 seconds while the card is being issued by the card network. During this time, poll GET /get-card-data?card_id=X with your Bearer token every 2-3 seconds (the examples write it as $LASO_ID_TOKEN, exported from your saved credentials).
International cards insert a queued state here instead of pending. The order waits for manual admin fulfillment, typically up to 24 hours, and can be cancelled while it is queued. See the international prepaid card page.

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3. Ready

Once status changes to "ready", the response includes full card details:

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4. Spending

Use the card number, expiry, and CVV to make purchases. The card works at any US-based merchant — online, in-store, or via mobile wallets. When a merchant asks for a billing address or ZIP code, use the billing_address from card_details. The billing name is always Laso Finance. For USA cards no specific address is enforced, so any valid U.S. billing address works and the returned address is a known-good default (ZIP 91723). International non-reloadable cards are different: their billing_address has required: true and the merchant AVS check is validated against exactly that address, so use it as-is. You can make multiple purchases until the balance is depleted. Each purchase reduces the available_balance.

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5. Depleted

When the balance reaches zero, the card can no longer be used. Order a new card with another /get-card call.

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6. Expired

Cards expire 6 months after issuance. After the expiration date the card stops working even if it still has a balance, and any remaining funds are forfeited. Forfeited funds are retained by the card issuer and cannot be recovered or returned by Laso Finance. Spend the full balance before the expiration date.
Expiration is independent of the balance. A card with money still on it becomes unusable once it expires, and that remaining balance is lost permanently. Always spend a card down to zero well before its 6-month expiration.

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Reloadable cards

Reloadable cards follow a different lifecycle: the account holder links the card issuer once, the balance is topped up as it runs low, and one card serves many purchases. Setup, top-ups, card creation, spend history, and withdrawals are all covered in the reloadable card guide.