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CardFi makes it easy to create, trade and redeem asset attached NFT gift-cards.

Launch Partners


Blockchains Supported


Of Tokens Supported




NFT Marketplace

What is an NFT Gift Card?How can I use it?How is it built?How can I get involved?

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What is an NFT Gift Card?

NFT Gift Cards are asset attached non-fungible tokens. Each NFT has associated ERC20 tokens that the current holder of the NFT has the right to redeem.

Any Existing NFT Can be used as a Card
Any ERC20 Token can be deposited
Value can be locked for hours, days, weeks or longer.
Only the current holder can redeem some or all of the attached value/tokens
NFT can be freely traded, sold or transferred on your favorite marketplaces
3% Deposit Fee / 5% Withdrawal Fee
Free! Zero Fees when using the CardFi Token for Deposits
Card ID:  0x0000000000000000000000000000000000000000
Card ID:  0x0000000000000000000000000000000000000000

How Can I use it?

CardFi adds true verifiable value to any NFT.

Gift / Debit Cards
Setting an asset backed Floor Value of an NFT
Allocate Rewards to specific NFT Holders
Membership Cards
Loyalty & Rewards Cards
Proof of Attendance / Ownership
NFT Tickets & Access passes
Works with OpenSea, Rarible and most  NFT Marketplaces
Allocate tokens based on actions, sports, teams, and player performance via our API.

How is it built?

CardFi is layer 3 Protocol built on EVM Blockchains

All assets are locked in the contract
Only the card holder can claim the attached erc20 tokens.
Blockchains include Ethereum, Polygon, Binance, Celo with more coming.
Coming Soon: API & ABI access to deposit tokens
Open Source Code Available on Github
Formed as Swiss DAO
Built using Solidity Smart Contracts
CardFi 100ETH
Card ID:  0x0000000000000000000000000000000000000000
Card ID:  0x0000000000000000000000000000000000000000

How Can I get involved?

A Community of passionate Card Finance Geeks!

Enter the CardFi Challenge and earn tokens
CardFi Tokens control the DAO
Special Membership Rewards
Dedicated Membership Prize Pool

CardFi DAØPaper

What is CardFi

CardFi makes it easy to create, trade and redeem asset attached NFT gift-cards. CardFi is a new layer 3 NFT EVM protocol that provide NFT holders with the ability to store value associated with a particular NFT and transfer it to someone else.

What are Asset-backed and Asset-Attached NFTs?

NFTs (non-fungible tokens) is a new form of digital asset that is becoming popular. They have certain properties that make them attractive to investors and collectors, such as being unique, scarce, and immutable.

However, there are some drawbacks to NFTs that have prevented them from becoming more widely adopted. One of these is that they are not attached to any underlying asset, so their value is purely speculative.

This is about to change with the introduction of asset-backed/attached NFTs on Ethereum and related blockchains. These NFTs will be backed by real-world assets, such as property, art, or even cryptocurrency. This will give them intrinsic value and make them much more appealing to investors.

Market Opportunity For NFT Gift & Debit Cards

In a world where more and more commerce is happening online, it's no surprise that gift cards have become a popular way to give someone the perfect present. However, traditional gift cards are often associated with centralized platforms like Amazon or iTunes. Asset-attached NFT Gift cards are different. Because they're built on the decentralized web, they offer several advantages over traditional gift cards. 

For one thing, they're impossible to copy or counterfeit, each card is unique and independently verifiable. They're also more secure because the value is defined and stored on the blockchain. And because they're attached to specific crypto assets, they can buy anything from digital art to gaming items. In other words, asset-attached NFT Gift cards are the perfect way to give someone the perfect present in the web3 age.

Another study conducted by CEB TowerGroup as reported by Marketwatch claims that of the more than $166 billion currently spent on gift cards, roughly $1 billion goes unspent and is expected to reach USD $388B by 2027, growing at a CAGR of 19.12%. Global Gift Cards Market to Reach US$1.4 Trillion by the Year 2026.

How are assets managed?

The CardFi Protocol allows users to deposit ERC20 Fungible tokens to the contract. Only the current holder of the given NFT has access to the asset. This is a non custodial protocol. If you lose access to the NFT or wallet, it will be lost. CardFi DAO is not responsible for the loss of any or all of the assets, NFTs or wallets. Use at your own risk.

Marketing Strategy

CardFi is a blockchain-based platform that uses gamification to encourage the adoption of new technologies and platforms. By offering rewards in the form of nfts or gift cards, users are more likely to try out new things and come back for more. Additionally, web3 gamification can help to build a community around new projects and platforms, creating a virtuous circle of adoption and engagement. Ultimately, web3 gamification is a powerful tool for driving the adoption of new technologies, and it should be used judiciously to achieve the maximum impact.

How can CardFi help Small Business Creates Loyalty

Small businesses are always looking for ways to create loyalty. Word of mouth is how companies grow, and the best way to keep the conversation going is to create a unique experience that encourages customers to return often.  NFTs can be a creative and effective way for small businesses to incentivize loyalty and reward customers.

With CardFi, businesses can give NFTs as loyalty and rewards to their customers with NFTs that hold value they can use to purchase in the future. Small businesses can create limited-edition NFTs that loyal customers can obtain. For example, a coffee shop can make a limited-edition NFT using the CardFi protocol that can be redeemed for a free coffee after a certain number of purchases and can have an actual value attached to spend in the store. This can incentivize customers to keep coming back and make repeat purchases.

A retail store can offer a 10% discount to customers who hold an NFT earned by referring new customers to the store. That is made possible with CardFi, where value can be added to NFTs and easily redeemable using tap on a mobile phone.

Small businesses can create an NFT-based loyalty program where customers earn tokens for every purchase. Combined with a gamified reward system like Award Pool <awardpool.com> and the CardFi protocol, the NFTs can be loaded with tokens redeemed for rewards like free products or discounts on future purchases.

By creating unique tokens and offering exclusive rewards with attached verifiable value, small businesses can build a strong community of loyal customers excited to promote and support their business.

How can CardFi help Event Planners create excitement around their event tickets

Event planning is hectic and time-sensitive. When planning an event, there is a lot of focus on ticket sales and getting people to the event, but how do you keep them engaged after ticket sales? With CardFi, event planners can offer NFT tickets and POAPs that come with an attached value that attendees can use towards items at the event and future events.

POAP (Proof of Attendance Protocol) NFTs can be used as event tickets stored on a blockchain, making verifying ticket authenticity easier and preventing fraud. With CardFi, event planners can add value to those POAPs attendees can spend at the event. This gives them additional incentive to explore the venue, sponsors and offerings.

Those NFTs can also be used to grant access to exclusive content, such as backstage passes or VIP areas making the event feel exclusive and exciting. Additionally, by adding CardFI value to these NFTs, you can give them one-tap access to purchase at the event with the NFT they used to buy their ticket in the first place.

NFTs can be used as rewards for attendees who participate in certain activities or complete certain challenges. Companies such as Award Pool <awardpool.com> make this possible, where event organizers can create an NFT to award attendees who participate in a scavenger hunt or complete a survey.

With CardFi, all of these NFT action plans can have added value and give attendees a reason to be excited about purchasing at the event and load up their NFT with more value for future events.

How can CardFi enable DeFi to offer enhanced protocols  

DeFi offers enhanced protocols that can improve the functionality, efficiency, and security of financial systems. The yield generated from a protocol can be used outside of the protocol in a number of ways when attached to an NFT created on CardFi.

Reinvesting in the protocol: One option is to reinvest the yield back into the same protocol to earn even more yield. Staking in other protocols: Another option is to stake the tokens earned from the protocol in other DeFi protocols that offer yield.

Providing liquidity: The tokens earned from the protocol can also be used to provide liquidity to other DeFi protocols.

Trading or selling: The tokens earned from the protocol can also be traded or sold on a cryptocurrency exchange. If the price of the token has increased, you can sell it for a profit. Alternatively, you can hold the token and wait for its value to increase even more.

Donating or investing: Finally, the yield generated from the protocol can be donated to a charity or invested in other assets outside of the DeFi ecosystem, such as stocks, bonds, or real estate.

CardFi makes it simple to create those financial opportunities with your protocol by easily attaching the value to an NFT. You can reinvest, stake in other protocols, provide liquidity, trade, sell or donate your liquidity via asset-attached NFTs created on CardFi.

How can CardFi help Artists add additional lifetime value to their art  

As an artist, the CardFi protocol adds value to your NFT art beyond the design, thus setting an asset-backed floor value. In addition, the art can be a one-of-a-kind piece or part of a limited-edition collection, making it more valuable and desirable to collectors.

Artists can limit the number of NFTs they create, making them more scarce and valuable. By adding actual value to the NFT and creating a limited number, artists can develop a sense of exclusivity and value, increasing demand for their work.

Artists can use NFTs to create enhanced digital experiences for collectors. For example, an artist can create an NFT that includes access to exclusive content like artist commentary or a physical twin to match their phygital one and the value that is attached to the art with the CardFi protocol.

CardFi Token Economics

Digital scarcity is a concept that has been recently gaining traction in the cryptocurrency community. Digital scarcity refers to control over the abundance and existence of digital assets or resources. The idea behind it, put simply, is to somehow limit the number of digital tokens created by an algorithm at creation time itself.

The primary unit of value with CardFi ecosystem will be the various memberships that users will need to either buy or earn. These all grant various privileges and rewards based on the membership tier. 

At the heart of our concept is that the access and rewards are based on a limited number of NFT based memberships. The higher the tier, the less that are available,  increasing the value associated with those memberships. Lower tiers that start with a free membership will have more NFT based-memberships but will still  have monthly limits on how many new memberships will be created. This provides a balance between new users who sign up and work to increase their point stands with the potential to move up to higher levels and get better rewards. 

What is The CardFi DAO?

An CardFi Membership is the best way to support the next generation of asset backed NFTs.

NFT based gift cards are the next big evolution in crypto and NFTs. Asset-backed NFTs are important because they provide a secure and transparent way to store and exchange value. By backing NFTs with various crypto asset, rewards or even collectible items, we can create a more secure and efficient system for exchanging value. This will be important for businesses and consumers alike, as it will allow them to conduct transactions quickly and securely.

Another advantage of NFT based gift cards is that they can be used to as secure and visual means means of commerce. This opens up a whole new world of possibilities for users who want to purchase items online but do not have a way to pay for them using traditional methods. NFTs also offer increased security and privacy compared to traditional gift cards with ability to associate various tokens to whomever holds the NFT.

What is a DAO?

A DAO, or Distributed Autonomous Organization, is a software-based decentralized organization. DAOs can do just about anything a traditional company or nonprofit can do: they can provide a variety of services to customers, create and invest in new projects through crowdsourcing, and even generate profit for those holding its tokens.

DAOs work on the principle of aligning incentives across all participating parties to gradually release funds as a project gains momentum and support from the community. DAOs have their own internal token economies that bridge a divide between community and governance of a hosted application those community members unitilize such as a game, SaaS platform or other web based applications. .
In recent years, DAOs have moved from theoretical computer science models to real-world application through open source projects such as those offered by the Ethereum Foundation. 

DAO creators frequently utilize cryptocurrencies as means for organization governance as well as payment services for their tokens which are used in their DAO structures. In order to incentivize participants, DAO operators generally mint fungible coins (ERC20) or assets that can store value (ERC721 NFTs) that can be redeemed both internally or elsewhere. 

These assets often have an inherent market value at launch and are sold for other cryptocurrencies. DAOs are usually structured as decentralized autonomous organizations, but DAO tokens can also represent other things outside of a conventional business structure including events, property rights and even games. DAO’s are generally focused on building the involvement of a community around itself by leveraging social media to generate support with various initiatives requiring voting by its holders.Building an application and starting an organization involves funding and a lot of trust in the people you're working with. Sometimes, it can be hard to trust someone you’ve only ever interacted with on the internet. With DAOs you don’t need to trust anyone else in the group, just the DAO’s code, which is 100% transparent and verifiable by anyone.

The Rise of NFT-based DAO’s?

Most DAOs today are built with an ERC20 token as their means of governance & voting — which ultimately leads to many people becoming investors if they want to take part in any form of governance, or worse — governance run by speculators. Neither is ideal.

A DAO functions on a set of predefined rules included in computer code. These rules are often called a “smart contract” and the idea was first utilized by cryptographer Nick Szabo with his invention of “Bit Gold,” (a precursor to Bitcoin). DAOs and smart contracts seek to mimic what it means to be a “real” organization, but through the use of technology. 

A DAO is created with a series of rules that outline how they operate and can be customized for specific projects. DAOs are considered revolutionary in that they allow individuals to coordinate towards specific goals without requiring compensation or oversight by any central party. DAOs are effectively managed by both humans and autonomous software agents under the control of these predefined rules - the “smart contracts. DAOs aim to provide open access to participation, not limited by barriers such as geography, infrastructure, resources or technical know-how. 

Traditional DAOs:

  • Governs mostly investments and monetary value
  • Intrinsic value of governance is corrupted by short term price movements and speculations
  • Decentralized method of community power/delegation of direction
  • Runs on an ERC20 which ends up as a gambling mechanism and not governance. Which then can be pumped and dumped.
  • Requires monetary value to be staked/spent in order to get votes
  • Provides some potential income/profit for participating

NFT Driven DAO’s

  • No ERC20, only NFTs
  • Voting power is earned directly via participation and engagement in the platform
  • Governance of future direction and features of the CardFi platform
  • Cannot be pumped and dumped as it is non-fungible, as compared to fungible ERC20 tokens
  • Each person has their own unique NFT that can be traded or purchased
  • Ability to add yield farming/staking into the voting NFTs if voted upon
  • Ability to add revenue earning possibilities from our smart contracts if voted upon

Advantages of NFT Based DAO’s

  • No more pump and dump. Since NFTs are not like ERC20s — even if someone has 50% of all the voting power — it's still just a small amount of NFT - never a red wick that crashes the price 50%.
  • Governance tokens are supposed to be for governance and not speculation. It’s a lot easier for that to happen by using NFTs
  • Voting power is tangible, like a badge you can see/wear
  • Selling votes or your voting NFT is more peer-to-peer interaction than doing a swap on uniswap
  • Provides a healthier ecosystem for CardFi and for proposals
  • Governance is safer — whales cannot do a flash loan just to sway a vote in one direction

What's Different About The CardFi DAO?

While most platforms with an ERC20 governance token don't have a live DAO contract and are doing quasi-voting without any smart contract, CardFi have an actual DAO smart contract. Not all decentralized applications (dAPPs) need an ERC20 governance token. Let alone an NFT platform. It’s just a lazy effort to introduce decentralised governance. CardFi is different. There is no way to divorce speculation from true governance with ERC20 tokens.

The CardFi DAO is owned and governed by the community from the outset with all participants starting on equal footing. Every vote is either earned from interacting on the platform, giving governance rights to the hands of active CardFi users. Another way of obtaining votes during launch will be directly buying the votes from the embedded payment widget. This will allow early adopters to start accumulating votes early and vote/propose on adding new features immediately after launch.

Every time any transaction occurs on the CardFi platform the DAO member or buyer/seller both get points added to their account. This encourages higher participation rate on the platform, which can be redeemed for various rewards or leveling up their membership to a higher tier. 

The only way to acquire higher level memberships is to either actively participate in the gaming community, buy a membership during the initial sale period, buy one of the limited new memberships made available every month or buy one from an existing member.

Through votes, our community has the power to propose future implementations such as the ability to add yield farming/staking into the voting NFTs or create revenue earning possibilities from our smart contracts.

A Membership Driven DAO Structure

CardFi is not controlled by anyone , it runs autonomously . It allows people who hold DAO tokens to vote on different proposals with their tokens; this way every holder can have a say about what direction the company takes. It will also allow users to participate in the various membership-tier based rewards. 

Because there are no humans involved in governing CardFi, decisions such as dispute resolution, cheater bans and other community management elements are quick and easy to make. These decisions would take a typical board of directors lots of time, resources and legal trouble to accomplish.

Combining a membership organization structure where people can join and become members of CardFi is a game changer. Membership organizations are the most common type of organization and most people likely already belong to at least one. 

Membership organizations are groups that have individual members who pay dues or fees to the group in order to gain support for various causes. Membership organizations can include everything from formal clubs, churches, and political parties all the way up to large professional associations like the American Bar Association (ABA) or The American Medical Association (AMA).

Membership organizations can be categorized as follows: 

  •  Voluntary - External 
  •  Co-Ops
  •  Non-governmental organizations (NGO) 
  •  National non-profit organizations (NPO) 
  •  Academic/professional associations or societies 
  •  Labor unions 

Clubs & community DAOs are becoming more common among these types of organizations because there is less liability associated with DAO's than their traditional counterparts, who have to take into account business law and governance. DAOs do not necessarily follow traditional legal structures and can be more flexible in how they operate. 

DAOs usually allow their members to choose governance models like liquid democracy, futarchy or other governance models that are built on blockchains. DAOs also have the advantage of having no need for paid staff to run them as they are decentralized organizations governed by their members through blockchain technology.   

CardFi DAO Governance Model

The term "corporate governance," in its simplest form, refers to the way a company or organization  is managed and directed. The main objective of governance is to ensure that organizations are managed in a fair and transparent manner. 

Traditional governance includes the relationships among the board of directors, top management and shareholders of a corporation. It specifies how people such as investors, suppliers, regulators and staff should relate with each other regarding financial decision making in a business organization. The goal of governance, therefore, is to promote trust between diverse stakeholders so that an organization can be managed wisely for long-term success.

With DAOs, the ownership, voting power and profit distribution is handled by the token holders. This means that each "holder" can control how his/her tokens are being used to vote on proposals via smart contracts.

In the case of CardFi, these proposals would automatically be called by preset rules encoded in smart contracts based off of Ethereum or compatible networks. For instance, certain decisions could be made every month depending on if the DAO has been profitable during that time period or not – this depends entirely on what kind of business model will be presented by future entrepreneurs within the organization.

The system works by having soft coded rules that are called automatically when the status of the organization, i.e. whether or not it makes money is checked for. It also follows a hierarchical system which gives every single DAO Token holder voting power, depending on how many tokens they hold within the DAO. Finally, there is no centralized management where decisions can be made without consulting anyone – every decision must be approved democratically!

The Legal Definition of "Gift Card" or "Gift Certificate"

  1. It has a monetary exchange value that is evident on the certificate or that is easily determined by the parties involved in the transaction. The monetary exchange value may, for example, be specified on the face of the certificate or it may be stored on the certificate electronically. In certain cases, the customer may be permitted to add additional amounts to the monetary exchange value of the certificate. Alternatively, the gift certificate may be for a particular supply of property or a service that is identified on the certificate.
  2. It is issued or sold for consideration by the supplier of the property or service or another party for use at a particular supplier. The consideration paid for the certificate may not necessarily be the same as the monetary exchange value.
  3. It is accepted as payment or partial payment of the consideration for a supply of property or a service offered by the supplier of that property or service.
  4. It does not require the bearer to do anything to redeem the certificate other than to present it as a means of payment or partial payment for the property or services being acquired. The holder of the certificate should not be required to meet other conditions, such as, making a purchase of a particular value (i.e., a required minimum value) or purchasing one item to exchange the gift certificate for another item (e.g., buy one, get one free) in order to redeem the certificate.
  5. It does not have any intrinsic value. The certificate should not have any value other than its monetary exchange value.

Legal Opinion (Switzerland)


An NFT stands for “Non-fungible token” and is a fancy way of saying it’s a unique, one-of-a-kind digital item that users can buy, own, and trade. Some NFTs main functions are to be digital art and look cool, some offer additional utility. Think of ours like a rare piece of art that can also act as a “members” card which gets you access to members-only perks.