# Oobit

> Pay with crypto. Pay everywhere.

Oobit is a crypto payments company that provides a mobile wallet and card connecting digital assets to everyday spending. It lets users pay at any merchant accepting Visa or Mastercard by converting crypto to fiat at checkout.

Oobit is a crypto payments company that connects digital wallets to everyday spending. Its mobile application lets users hold or connect external wallets and pay at merchants accepting Visa or Mastercard, with crypto converted to fiat currency at the moment of payment rather than in advance. The service targets individuals who hold digital assets and want to use them for daily purchases without pre-converting funds through an exchange.

The platform addresses the gap between holding crypto and spending it in traditional commerce by performing settlement in real time, so merchants receive fiat while users retain exposure to their assets until checkout. It also supports peer-to-peer transfers and sending crypto directly to bank accounts in local currency, alongside cashback rewards on card purchases.

Beyond individual users, Oobit offers business-focused products including corporate cards funded by stablecoins and card issuance for automated agents, extending its payment infrastructure to organizational treasury use cases. It also provides a white-labeled developer toolkit that lets other wallets and exchanges embed spending capability, and maintains an associated token used within its ecosystem. The service is used by individual cardholders, merchants accepting card payments, and businesses seeking crypto-funded spending tools.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2019-01-01
- Profile: https://thegrid.id/profiles/oobit

## Products

- [Oobit App](https://thegrid.id/profiles/oobit): Oobit App is a self-custody mobile wallet that lets users spend stablecoins and other crypto through NFC tap-to-pay and card-based checkout. It converts crypto to local currency at the moment of purchase, allowing payments at Visa-accepting merchants worldwide. Users can also send crypto directly to bank accounts as local currency and earn cashback rewards on purchases. (Wallet, Live, Main Product)
- [Oobit Corporate Cards](https://thegrid.id/profiles/oobit): Oobit Corporate Cards is a business card issuance product that lets companies issue unlimited stablecoin-funded cards for employees and, optionally, autonomous AI agents. Cards settle directly against a stablecoin treasury balance, avoiding banking conversions, and can be spent at Visa-accepting merchants globally through mobile wallets. A shared dashboard lets administrators set programmable spending rules and visibility across all cardholders, including agent-held cards. (Card issuance, Live)
- [DePay](https://thegrid.id/profiles/oobit): DePay is a wallet-connect payment service that lets self-custody wallet holders pay Visa-accepting merchants directly from their own wallets without moving funds into custody first. Users connect a supported wallet, set a one-time spending approval, and DePay settles the transaction on-chain while the merchant receives local currency through the Visa network. The service abstracts the underlying blockchain steps so checkout feels the same as a standard card payment, and it supports funding across several blockchain networks. (Merchant Payment Gateway, Live)
- [Oobit Plug & Pay SDK](https://thegrid.id/profiles/oobit): Oobit Plug & Pay SDK is a white-labeled developer toolkit that lets crypto wallets and exchanges embed real-world spending capability into their own applications. It connects self-custody wallets or exchange balances to merchant payment rails, handling identity verification, card issuance and activation, and fiat settlement on the wallet's behalf. Cards issued through the toolkit appear with the wallet's own branding and can be added to major mobile payment wallets for use at Visa-accepting merchants worldwide. (Developer Tooling, Live)

## Assets

- [OBT (OBT)](https://thegrid.id/profiles/oobit): OBT is the utility token of Oobit's crypto payment platform. It is used to reduce transaction fees, earn cashback rewards, and stake for additional benefits within the ecosystem. Tokens are systematically burned based on transaction volumes within the Oobit ecosystem, reducing the overall supply over time to support token value while encouraging engagement with Oobit's services. (Utility)

## Links

- [Main](https://oobit.com)
- [Blog](https://newsroom.oobit.com)
- [Documentation](https://support.oobit.com/hc/en-us)
- [Terms of Service](https://www.oobit.com/legal/terms-of-use)
- [Privacy policy](https://www.oobit.com/legal/privacy-notice)
- [Media Kit/branding](https://drive.google.com/drive/folders/1Os4wC8RAhuzLswSFZM6yWgyx_4dJQ5s5)
- [Twitter / X](https://x.com/oobit)
- [YouTube](https://www.youtube.com/@oobit)
- [LinkedIn](https://www.linkedin.com/company/oobit)
- [TikTok](https://www.tiktok.com/@oobitapp)
- [Telegram](https://t.me/OObit)
- [Instagram](https://instagram.com/oobitapp)
- [Reddit](https://reddit.com/r/Oobit)
- [Telegram](https://t.me/+zMFamz9DuCtiMmE8)

## Legal

This data is provided under two licensing models.

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Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP