Automatic conversion when a balance is empty

In shortIf a card payment is in a currency whose balance is empty, Ortix converts from another balance in real time so the payment goes through instead of declining. It can even pull from your crypto if your cash balances can't cover it. That's the feature working, not an error.

Picture it: you're at a restaurant in Tokyo, your yen balance is sitting at zero, and your card gets tapped. At most banks, that's a decline and an awkward moment. On Ortix, this happens instead: we pull from a balance you do have, convert in real time, and the payment goes through. No decline, no reaching for another card.

Later, your statement shows the conversion, and that's usually how people discover this feature: "wait, why did that come from my dollars?" Answer: because your yen was empty at that exact moment, and the conversion is the reason you got to finish your dinner in peace.

It goes one layer deeper, too: if your cash balances together can't cover a payment, your crypto balance can step in the same way, converting automatically so the payment still completes.

Prefer to spend from one specific balance on a trip? Easy: top that balance up before you go, and the card uses it directly, no conversion needed.

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