# 3rd Generation: Non-Custodial Cards

The latest and most sophisticated development in crypto cards is the advent of non-custodial cards. Wirex Pay is pioneering this 3rd generation, offering a solution that aligns with the industry’s shift towards self-custody and decentralization. Here’s how non-custodial cards work:

* User Control: Users retain full custody of their funds through private keys, utilizing Account Abstraction (AA) technology.
* Flexible Authorization: Users can set spending limits and give permission to debit up to a specified amount, such as $1,000 per day. These limits can be adjusted or revoked at any time.
* Seamless Transactions: When a transaction is initiated, the authorization request is checked against the AA balance, and funds are debited directly from the user’s wallet.

This generation of cards combines the convenience of traditional payment systems with the security and autonomy of blockchain technology. Users benefit from zero counterparty risk, as they do not have to transfer their assets to a custodial entity to make payments.


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