Willow Docs
Docs Join the waitlist
Using Willow

How “earn until you tap” works

Every prepaid card ever made asks you to park money at 0% for the privilege of spending it. Willow was built to end that.

A loaded card is dead money: custodied by someone else, earning nothing, losing to inflation while it waits. Willow flips the model. Your balance never leaves your wallet until a purchase actually needs it.

You hold

Your balance stays in USDG in your own wallet, earning rewards* the whole time it sits there.

You tap

Pay as normal: contactless, online, Apple Pay or Google Pay. Nothing new to learn.

Willow draws just in time

At the moment of purchase the card pulls exactly what it needs. Funds stop earning only when they actually leave.

A week in the life of your balance

Earning all week, pausing for nothing but the coffee itself.
MON TUE WED THU FRI SAT SAT 09:41 · coffee £3.20 the card draws exactly £3.20 and the rest keeps earning
Illustrative only. Not to scale; rewards are variable and not guaranteed.

What happens when you tap

You tap

At a terminal, online, or through Apple Pay or Google Pay.

The amount is detected

Willow sees exactly what this purchase costs.

Funds move, once

That precise amount transfers from your wallet. Nothing more.

Confirmed onchain

Around 100ms. Faster than the terminal takes to respond.

Authorization completes

The merchant is paid. The rest of your balance never moved and never stopped earning.

The permission you grant, in plain English

  • It can move funds only to pay for your own spending. Nothing else, nowhere else.
  • It works only in response to a spend event: a purchase you initiated, at a real checkout.
  • It can never exceed limits you set when you connect.
  • It is revocable any time, in one transaction. Your money never moved, so there is nothing to claw back.
Because authorizations are scoped, capped and revocable, you keep meaningful control at all times.
Under the hood, for the curious
Willow uses Robinhood Chain's first class support for smart accounts. At onboarding, your wallet grants a narrowly scoped authorization: permission to move USDG from your wallet to the card funding address, up to limits you set, and only in response to a spend event. When you make a purchase, Willow detects the required amount, executes the transfer, confirms it onchain in around 100ms, and completes the card authorization before the terminal finishes thinking. You experience an ordinary card tap. Underneath, your money worked until the last possible moment.

*Rewards are variable, paid in USDG, and subject to terms. Not interest. Not guaranteed.

Willow is not affiliated with, endorsed by, or sponsored by Robinhood Markets, Inc. All trademarks belong to their respective owners. Not available to US persons.