# Laso Finance

> Laso Finance is the privacy-maximizing way to spend cryptocurrency. Connect your wallet, deposit stablecoins (USDC, USDT, or DAI), and instantly receive a prepaid card that works anywhere prepaid cards are accepted—online, in stores, and via Apple Pay, Google Pay, and Samsung Pay.

## About

Laso Finance is a Texas-based fintech company founded in March 2023 that provides instant-issuance crypto prepaid cards with a privacy-first approach. Users can convert stablecoins to spendable fiat in seconds without lengthy KYC processes.

**Key Facts:**
- Preferred name: Laso Finance
- Canonical domain: https://laso.finance
- Founded: March 2023
- Headquarters: Texas, USA
- Regulation: Registered as a Money Services Business (MSB) with FinCEN (Registration #31000249413002)

## API for AI Agents (x402)

Laso Finance provides a payment-gated API using the x402 protocol, enabling AI agents to programmatically order prepaid cards and send payments using USDC on Base.

**How x402 works:**
1. Call a paywalled endpoint without payment → receive `402 Payment Required` with payment details
2. Construct an x402 payment header using the 402 response details
3. Replay the request with the payment header → server processes the request

**Endpoints:**
- `GET /auth` ($0.001): Get auth credentials (idToken, refreshToken, userId)
- `GET /get-card?amount=X` ($5-$1000): Order a prepaid Visa card (US only, for caller's own use). `/paid-data` is a deprecated alias.
- `GET /send-payment?amount=X&platform=venmo|paypal&recipient_id=X` ($5-$1000): Send Venmo/PayPal payment
- `POST /refresh` (free): Refresh an expired idToken

**Technical Details:**
- Network: Base (eip155:8453)
- Currency: USDC
- Payment recipient: `0x3291e96b3bff7ed56e3ca8364273c5b4654b2b37`

**API Documentation:**
- [OpenAPI Spec](https://laso.finance/openapi.json): Full API documentation in OpenAPI 3.1 format
- [AI Plugin Manifest](https://laso.finance/.well-known/ai-plugin.json): ChatGPT-style plugin descriptor

## Products & Services

### Prepaid Cards

All cards are non-reloadable (single-load) but can be spent across multiple transactions until the balance is depleted.

- [USA Non-Reloadable Cards](https://laso.finance/compare): Prepaid cards for U.S. spending (0% fee)
- [International Non-Reloadable Cards](https://laso.finance/international/nr): Cards for international purchases (3.8% fee + ~2% FX on non-USD transactions)
- [Canadian Non-Reloadable Cards](https://laso.finance/chrome-extension): Canadian dollar prepaid cards for Canadian merchants only (0% fee) - available in Chrome extension

### Payment Platform Funding

Fund your payment platform accounts instantly with crypto via [pay.laso.finance](https://pay.laso.finance):

- [Venmo Funding](https://pay.laso.finance): Send crypto directly to any Venmo account (4.9% fee, $10-$9,500 range)
- [PayPal Funding](https://pay.laso.finance): Send crypto directly to any PayPal account (4.9% fee, $10-$9,500 range)

### Gift Cards
- [Gift Card Shop](https://laso.finance/gift-cards): Instantly delivered digital gift cards for hundreds of brands
- Popular options: Amazon, Uber, Nike, Airbnb, Walmart, Target, DoorDash, Netflix, Spotify, Steam, PlayStation

## Supported Blockchains & Assets

**Networks:**
- Ethereum (ETH mainnet)
- Arbitrum
- Base
- Polygon
- Optimism
- BNB Chain (BSC)
- Solana
- Stellar

**Stablecoins:**
- USDC (USD Coin)
- USDT (Tether)
- DAI (MakerDAO)
- USDC.e (bridged USDC on L2s)

## How It Works

1. **Connect Wallet**: Use any existing crypto wallet or create one in seconds
2. **Deposit Stablecoins**: Send USDC, USDT, or DAI from supported networks
3. **Get Your Card**: Receive a prepaid card instantly—no waiting
4. **Spend Anywhere**: Use online, in-store, or via mobile wallets (Apple Pay, Google Pay, Samsung Pay)

## Pricing & Fees

- [Full Fee Schedule](https://laso.finance/fees): Transparent pricing with no hidden fees
- No per-authorization fees
- No per-decline fees
- USA Non-Reloadable Cards: 0% fee
- Canadian Non-Reloadable Cards: 0% fee
- International Non-Reloadable Cards: 3.8% fee + ~2% FX markup on non-USD transactions
- Venmo/PayPal Funding: 4.9% fee

## Compliance & Security

Laso Finance uses state-of-the-art compliance technology:
- **Chainalysis Integration**: On-chain transaction monitoring
- **Device Fingerprinting**: Fraud prevention
- **Behavioral Analysis**: Card spending pattern monitoring

**Compliance Checks Include:**
- Sanctioned wallets and funds
- Politically Exposed Persons (PEPs)
- Adverse media screening
- High-risk transaction detection
- Stolen, mixed, or illicit funds detection

## Documentation & Resources

- [Help Center](https://help.laso.finance): FAQs, guides, and troubleshooting (canonical for support)
- [Supported Merchants](https://laso.finance/merchants): Searchable database of compatible merchants
- [Card Comparison](https://laso.finance/compare): Feature comparison between card types
- [Product Roadmap](https://laso.finance/roadmap): Upcoming features and improvements
- [Changelog](https://laso.finance/changelog): Product updates and release history
- [User Agreement](https://laso.finance/user-agreement): Terms of service

## Apps & Extensions

- [iOS App](https://apps.apple.com/us/app/laso-finance/id6757516731): Mobile app for iPhone
- [Solana Seeker App](https://laso.finance/download): One of the few apps available on Solana Seeker, and the only way to spend on Seeker without KYC
- [Chrome Extension](https://laso.finance/chrome-extension): Browser extension for easy access (includes Canadian cards)
- [Download Page](https://laso.finance/download): All app download links
- Android App: Coming soon

## Contact & Support

- General Support: support@laso.finance
- Security Team: security@laso.finance
- [Bug Bounty Program](https://laso.finance/security/bug-bounty): Responsible disclosure rewards
- [Security.txt](https://laso.finance/.well-known/security.txt): Security contact information

## Social & Community

- Twitter/X: [@LasoFinance](https://x.com/lasofinance)
- Telegram: Community support channel

## x402 API (Agent-to-Agent Payments)

Laso Finance exposes an x402 payment-gated API on Base (USDC). Agents can programmatically order prepaid Visa cards or send Venmo/PayPal payments by including an x402 payment header.

- [OpenAPI Spec](https://laso.finance/openapi.json): Machine-readable API schema (OpenAPI 3.1)
- [AI Plugin Manifest](https://laso.finance/.well-known/ai-plugin.json): Agent discovery manifest

**Endpoints:**
- `GET /auth` — Get API auth credentials ($0.001 USDC)
- `GET /get-card` — Order a prepaid Visa card, US only ($5–$1000 USDC)
- `GET /paid-data` — Deprecated alias for `/get-card`
- `GET /send-payment` — Send a Venmo or PayPal payment ($5–$1000 USDC)
- `POST /refresh` — Refresh an expired ID token (free)

## Technical Files

- [Sitemap](https://laso.finance/sitemap.xml): XML sitemap for crawlers
- [Robots.txt](https://laso.finance/robots.txt): Crawler directives
- [For LLMs Page](https://laso.finance/for-llms): Human-readable AI context page
- [This File](https://laso.finance/llms.txt): LLM-optimized content summary

## Limitations

- Card and account limits may apply based on usage patterns
- Regional restrictions exist for certain card types
- High-risk or sanctioned activity may be rejected or delayed
- This content is informational and does not constitute financial or legal advice