# Overview

The Venzo Card is the physical manifestation of the Venzo ecosystem. It is a Mastercard-branded debit card that allows users to spend their Venzo balances anywhere Mastercard is accepted, which covers over 100 million merchants worldwide.

***

### Virtual and Physical Cards

Users can instantly generate a virtual Venzo Card for online purchases and mobile wallet integration (Apple Pay, Google Pay, Samsung Pay). The virtual card is available immediately upon account approval, with no waiting period. Users can also order a physical card for in-store transactions and ATM withdrawals. The physical card features a premium design and contactless payment capability.

***

### Earn Yield While Spending

Unlike traditional debit cards where funds sit idle in a checking account earning zero interest, the funds backing the Venzo Card can remain deployed in Venzo Earn vaults until the moment of purchase. This means users continue to earn yield on their capital right up until they spend it, which is a fundamental advantage over every traditional banking product.

Consider this example: A user holds $10,000 in a Venzo Earn vault generating 8% APY. Over the course of a month, they spend $2,000 on everyday purchases. With a traditional bank, the entire $10,000 would earn 0.01% APY in a checking account. With Venzo, the user earns yield on the full $10,000 until each purchase is made, and continues earning on the remaining balance afterward.

***

### Global ATM Access

Venzo Pay users can withdraw cash from global ATMs using their physical Venzo Card. The system automatically handles the conversion from the user's crypto or stablecoin balance to the local fiat currency dispensed by the ATM. ATM withdrawal limits and fees vary by membership tier.

<br>


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://venzofinance.gitbook.io/venzofinance-docs/venzo-card/overview.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.