What is Karta's relationship with the Tempo network?

Karta is an application-layer partner that uses Tempo's infrastructure to reconcile Karta Personal card transactions on-chain while funds remain in the user's custody.

Who issues the Karta Visa card?

The Karta Visa card is issued by Rain, which is a Visa Principal Member.

How are transaction fees handled on Tempo?

Tempo has no native token; transaction fees are paid in USD-denominated TIP-20 stablecoins (such as USDC).

activecompany

Karta

Payments product in the Tempo ecosystem.

Data completeness: 83%
Confidence: 82%
Sources: 3
Last reviewed: 7 Jun 2025

The take

What to know

Karta is a self-custodial payments platform that leverages the Tempo network to enable real-time reconciliation of Visa card transactions. By debiting stablecoins directly from a user's wallet at the point of sale, it allows for card spending without requiring pre-loaded balances or relinquishing custody of assets.

Best for

+Spending stablecoins without pre-loading a card
+Maintaining self-custody of on-chain funds
+Real-time card reconciliation

Watch out

KYC/AML compliance required via card partner Rain
Transactions limited to TIP-20 stablecoins on the Tempo network

The record

Key facts

Legal Entity: Karta Finance Inc.· 95%
Role on Tempo: Application-layer payments provider that uses the Tempo network for on-chain reconciliation of card transactions.· 60%
Integration Date: May 2026.· 60%
Primary Product: Self-custody payment application with an integrated Visa-branded debit card.· 95%
Network Fees: Transactions are settled using TIP-20 stablecoins; the Tempo network does not use a native token.· 100%

The timeline

History

2026-05
Tempo Network Integration
Karta announced and launched its integration with Tempo, enabling sub-second self-custody reconciliation for its Visa card program.

Questions

FAQ

What is Karta's relationship with the Tempo network?: Karta is an application-layer partner that uses Tempo's infrastructure to reconcile Karta Personal card transactions on-chain while funds remain in the user's custody.
Who issues the Karta Visa card?: The Karta Visa card is issued by Rain, which is a Visa Principal Member.
How are transaction fees handled on Tempo?: Tempo has no native token; transaction fees are paid in USD-denominated TIP-20 stablecoins (such as USDC).