Spend. Own stock.

STOQ is the Visa card that turns everyday spending into stock. Buy your coffee, earn Starbucks. Ride with Uber, earn Uber. Everything else earns the stock of the week.

Get early access

How it works

Add USDC

Top up your balance from any wallet or exchange. It stays as USDC until you spend it.

Pay with your STOQ card

A virtual Visa card ready in seconds, accepted everywhere Visa is. Freeze it, set limits, and see every purchase instantly.

Earn real shares

Cashback is delivered as tokenized stock of the brand you bought from. Watch your portfolio grow with every purchase.

Hold STOQ, earn more

Holding STOQ unlocks higher-tier cards with bigger cashback and zero FX fees worldwide.

Three cards. One habit.

1%
Black · the everyday card
3%
Steel · 0.5% FX fee
9%
Gold · no FX fees anywhere

Plus a boost on every card, funded by STOQ buybacks. Spend up to $1M a day. Face ID, instant freeze, and card details that never leave your phone.

Built for the way you already spend

No points to decode, no portals, no expiry. Just stock in your name, growing with every purchase. STOQ is operated by HRT DIGITAL LLC. STOQ is not a bank; tokenized stocks are issued by their issuers and settle on the Solana network.