ON ROBINHOOD CHAIN · PRE-LAUNCH
Pay with stocks.
The debit card that spends your portfolio. Tokenized stocks on Robinhood Chain, spendable anywhere Mastercard is accepted — your assets stay yours until the moment you tap.
Pre-launch · Early members get the founding tier
Sell nothing until you spend
Traditional cards make you cash out first. Oak converts at the register.
Hold tokenized stocks
Your portfolio lives on Robinhood Chain — tokenized Apple, Tesla, Amazon and more, in a wallet you control.
Tap your Oak card
At checkout, exactly the amount you spend is converted from the assets you choose — at the moment of sale, not before.
Merchant gets fiat
Accepted anywhere Mastercard is. The rest of your portfolio never stops working.
Explore cards
Two tiers at launch. No monthly fees, no paperwork to start — your wallet is your account.
Oak Silver
START INSTANTLYInstant virtual card
Delivered to your email, live in minutes.
Fund with stables or BTC
Top up straight from your wallet.
0% transaction fees
What you load is what you spend.
Works everywhere online
Plus Apple Pay and Google Pay in person.
Oak Black
FULL PORTFOLIOFund with tokenized stocks
Spend AAPLx, TSLAx and more, directly from your portfolio.
Built for size
Full-portfolio spending with the highest limits we offer.
$OAK rewards boost
Holders earn more back on every purchase.
Founding-member perks
First in line for the physical card and early features.
Get started in three steps
No forms, no paperwork. Your wallet is your account.
Join the waitlist
Drop your email — that's the whole form. Founding members get the first cards and the founding tier.
Connect your wallet
Your wallet is your account. Self-custody from day one — your stocks never leave your hands.
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Activate your card
Your Oak card arrives by email in minutes. Add it to Apple Pay or Google Pay and tap.
Built like infrastructure, not a gimmick
Self-custodial by design
Your stocks stay in your wallet until the second you spend. No deposits sitting on someone else's balance sheet.
Apple Pay & Google Pay
Add your Oak card to your phone and pay contactless from day one.
Spend the winners, keep the base
Choose which assets fund your spending — trim a position at the register instead of selling ahead of time.
Global acceptance
Built on card rails accepted at over 100 million merchants worldwide.
Compliance built in
KYC, AML and issuing handled by regulated, PCI-certified card infrastructure partners.
$OAK at the core
Card tiers, fee rebates and rewards route through $OAK on Robinhood Chain.
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Robinhood Chain ID — Arbitrum-Orbit L2 built for tokenized equities
0%
Transaction fees on launch-tier cards
100M+
Merchants worldwide accepting the network your card runs on
Questions
How can I pay with stocks?+
Your tokenized stocks sit in your own wallet on Robinhood Chain. When you tap the card, the exact purchase amount is converted to fiat at the moment of sale and settled to the merchant over the Mastercard network. Everything else stays invested.
What is a tokenized stock?+
An on-chain token that tracks a real equity, tradable around the clock. Robinhood Chain is an Arbitrum-Orbit L2 built for exactly these assets.
Who issues the card?+
Oak cards will be issued through regulated, PCI-certified card infrastructure with KYC and compliance handled at the issuing layer. Issuing partner details will be announced ahead of launch.
When does it launch?+
We're pre-launch. Join the waitlist and you'll be first in line for early access and the founding-member tier.
Is this investment advice?+
No. Oak Finance is payments infrastructure. Nothing here is an offer to sell securities or a recommendation to buy or sell any asset.
Your portfolio, spendable.
Join the waitlist for early access and the founding-member tier.