Matt La Rue
New York, October 29, 2025 — US Unlocked, a US-based virtual credit card platform designed to make American e-commerce accessible worldwide, today announced the global public launch of its platform. US Unlocked surpassed 250,000 users after a successful invite-only early-access period and is now publicly available worldwide, enabling international shoppers to pay US merchants online with no US bank account required.
Built on infrastructure from Tern Commerce Inc. and powered by the USDC stablecoin, US Unlocked bridges traditional finance and digital assets to deliver secure, compliant, and instant cross-border payments. The platform allows consumers to fund cards through international debit and credit cards, USDC, bank transfer, or major cryptocurrencies, offering faster settlement and greater reliability for US-bound purchases.
“At Tern, we’ve always believed in building financial infrastructure that removes borders,” said Brion Bonkowski, CEO of Tern Commerce Inc., parent company of US Unlocked. “With US Unlocked, we’re making the power of US commerce accessible to anyone, anywhere, while maintaining the compliance and reliability that global consumers expect.”
US Unlocked cards are compatible with Apple Pay and Google Pay, enabling fast, contactless payments. By combining stablecoin settlement with traditional card networks, US Unlocked ensures frictionless global payments built on US-based fintech innovation.
About US Unlocked
US Unlocked provides virtual US credit cards that enable consumers worldwide to pay US merchants online and in person. Powered by USDC stablecoins and built on enterprise-grade technology from Tern Commerce Inc., US Unlocked offers flexible funding options, multiple card types, and digital wallet compatibility for global shoppers.
About Tern Commerce Inc.
Tern Commerce Inc. is a US-based fintech infrastructure company specializing in card issuing, cross-border payments, and stablecoin integration, enabling brands to launch compliant, scalable global financial products.
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