How a B2B card platform added stablecoin funding in under a week.
Industry
B2B fintech / virtual card infrastructure.
Markets
Nigeria, Ghana.
Integration Time
Less than one week.
Use Case
Stablecoin wallet funding (USDT, USDC).
Background
PIL by Cardtonic is a B2B virtual dollar card platform. Its customers are companies — ad agencies, startups, and SMEs across Nigeria and Ghana — that need reliable virtual cards for recurring USD payments: Facebook Ads, Google Cloud, and SaaS subscriptions, among others.
The Challenge
Until early 2026, the only way to fund a PIL wallet was through a naira or cedis bank transfer. That covered most users, but it left a gap for businesses that already held stablecoins or wanted to avoid the friction of local FX transfers. It came up consistently in support. Users wanted to fund their wallets directly with USDT or USDC. PIL needed a way to let them.
Why Breet?
PIL didn't go through a long vendor evaluation. Breet already had a reputation in the local fintech ecosystem, and other businesses in the space had recommended it. By the time PIL was building out its infrastructure, the decision was largely made. "By the time we were setting up PIL's infrastructure, working with Breet was already a given for us. The reputation preceded them."
Integration
PIL began the integration in early 2026. Breet assigned a dedicated team to guide them through setup and testing. The process was hands-on from the start, with no back-and-forth guessing on either side. PIL was live in production in under a week. "There was no back-and-forth guessing — they were hands-on from the start, which made a real difference given how quickly we needed to move."
Results
Since launch, crypto has become PIL's most-used wallet funding method. Stablecoin top-ups are faster than local bank transfers and work across borders by default, which fits how PIL's business customers operate. What started as a product gap is now a core part of the PIL experience. "Crypto is now our most-used wallet funding method. It's faster, borderless, and avoids the friction of local bank transfers." On the infrastructure side, PIL has not reported downtime issues since going live, and support has been responsive when needed. "For a product that handles real money, that reliability matters — our users are businesses that can't afford failed deposits."
