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# 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.
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### 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.
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### 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.
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### 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.
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