01 — What is SWYP Pass
A crypto-native spending account built on one balance
Most crypto spending starts with friction. You load one card, then another, move funds between them, and watch a handful of separate balances just to pay for everyday things. Each card is its own island, and topping them up is the tax you pay to spend.
SWYP Pass removes that. You fund a single account balance with crypto, then create passes that all draw from it. A pass is simply a set of rules for spending the same money — not another balance to manage.
“One crypto balance. Multiple passes. Cleaner spending.”
03 — The Top-Up Problem
Separate cards fragment your money
In most crypto card products, every card is a separate wallet. To use a card, you fund that specific card. Need a card for subscriptions and another for shopping? You now fund and monitor two balances.
The result is fragmentation: money scattered across cards, idle funds stuck where you don't need them, and constant transfers just to keep each card usable.
SWYP Pass treats spending differently. One balance backs every pass, so your money is always available wherever a pass allows it — no pre-funding, no reshuffling.
04 — Passes & Rules
Every pass carries its own rules
A pass is a controlled way to spend the shared balance. You decide what each pass is for and how strictly it behaves — a loose everyday pass, a tightly capped budget, or a single-use payment.
Because all passes draw from the same account, you get flexibility without fragmentation. Create as many as you need; they never split your money.
Unified Balance
Fund one account with crypto. Every pass spends from the same shared balance — no more topping up cards one by one.
Multiple Passes
Create passes for purchases, subscriptions, one-time payments, or capped spending. Each has a purpose; all draw from the same account.
Spending Rules
Give every pass its own limits, expiry, merchant rules, or one-time use. Control how money moves without splitting it up.
Guarded Payment Sessions
Every payment runs as a limited session with pre-set rules. Funds are exposed only for what you approved, nothing more.
Real-Time Controls
Freeze, delete, reissue, or re-limit any pass instantly. Your account adapts the moment your needs change.
Transaction History
Every charge across every pass lands in one clear view. See where the balance goes without stitching statements together.
05 — How It Works
Fund. Create. Set rules. Spend.
Fund
Create your SWYP Pass account and fund one shared balance with crypto. This is the only balance you top up. Everything you spend later comes from here, so there is nothing else to pre-load or transfer between.
Create
Spin up passes for the ways you actually spend — everyday purchases, recurring subscriptions, a single payment, or a capped budget. Each pass is created against the same account, not a new balance to fund.
Set rules
Give each pass limits, an expiry, merchant rules, or one-time use. The rules decide how much of the shared balance a pass can reach and where it can spend. Tight rules keep exposure small; looser rules keep everyday spending frictionless.
Spend
Pay at checkout. The charge runs as a guarded session bound by the pass's rules and settles from the shared balance. Every expense across every pass lands in one history you can read at a glance.
06 — Pass Format
Pass. Limit. Rules. Status.
A pass reads like a compact spending contract: what it's for, how much it can spend, the rules it enforces, and whether it's active. That makes SWYP Pass feel closer to a set of programmable spending accounts than a stack of separate cards.
Recurring merchants only. Auto-declines anything over the monthly cap. Draws straight from your account balance — no separate top-up.
| Field | Description |
|---|---|
| pass | The name and purpose of the pass. |
| limit | Maximum the pass can draw from the shared balance. |
| rules | Merchant, expiry, or one-time constraints on spending. |
| status | Whether the pass is active, frozen, or expired. |
07 — Spending Controls
Control the money without splitting it
One balance does not mean one blunt setting. SWYP Pass lets you shape how each pass behaves, so a single account can cover very different spending needs safely.
Each pass can be tuned across independent controls:
- → Limits: how much of the shared balance the pass can spend.
- → Expiry: when the pass automatically stops working.
- → Merchants: which categories or merchants a pass is allowed at.
- → One-time use: a pass that closes itself after a single payment.
- → Real-time state: freeze, reissue, or delete a pass instantly.
Because the controls live on the pass and the money lives on the account, you can change how you spend without ever moving funds. Adjust a limit, freeze a pass, or issue a new one — the balance stays put.
08 — Guarded Sessions
Payments run as limited sessions
Every payment through a pass is a guarded session. Instead of exposing your whole balance at checkout, the pass opens a session bound by its rules and only for the amount you approve.
If a charge falls outside the pass's limits, merchant rules, or expiry, the session simply doesn't authorize. Nothing spills over to the rest of your balance.
This keeps everyday spending safe by default: the shared balance funds the payment, but each session sees only the slice its pass allows.
09 — Non-Custodial by Design
Your balance stays yours
SWYP Pass is built to keep control with you. The shared balance is funded with crypto and settles on-chain; passes are permissions over that balance, not custodians of it.
No fragmented custodial cards, no funds stranded across products. You hold one balance, define how it can be spent, and reclaim or reallocate it whenever you want.
The account model is simple on purpose: one place for your money, many controlled ways to spend it.
10 — Why SWYP Pass
Spending should be one balance, not many
Crypto spending today is fragmented. Multiple cards, multiple balances, constant top-ups, and funds sitting where you can't use them. The friction isn't paying — it's keeping every card funded.
SWYP Pass collapses that into one account: fund once, create passes, set rules, and spend. The balance is shared; the control is per pass.
The result is cleaner spending. One crypto-funded balance, flexible passes built for real-world checkout, and every expense visible in a single place.
One crypto balance. Multiple passes. Cleaner spending.