> ## Documentation Index
> Fetch the complete documentation index at: https://www.bitnob.dev/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Bitnob API requests authenticate with an `X-Auth-Client` API key header against https://api.bitnob.com.
> Always use the sandbox environment for testing. Never put live API keys in sample code.
> Money amounts are integers in the smallest unit of the currency (satoshis for BTC, cents for fiat). Never use floats.
> Every state-changing request takes a client-supplied `reference` and must be treated as idempotent on retry.
> Quotes expire. Re-quote rather than reusing a stale quote id.

# Virtual card issuing course

> A 23-module course covering the full virtual card lifecycle, from user registration and issuance to funding, disputes, and economics.

23 modules on the full virtual card lifecycle: registration, issuance, funding, spending, disputes, and the economics that decide whether a card program makes money.

This course is written for product managers, founders, and operators building card products on top of an issuing API. It covers:

* The card lifecycle from a product perspective, not just an API perspective,
* Fees, interchange, cross-border charges, and revenue modeling,
* Fraud patterns, spend abuse, disputes, and chargebacks,
* UX, support operations, metrics, and go-to-market for card products.

## Full table of contents

| Module | Title |
| - | - |
| 1 | What virtual cards actually are |
| 2 | Card lifecycle from a product perspective |
| 3 | Registering card users |
| 4 | Issuing a card |
| 5 | Funding virtual cards |
| 6 | Spend transactions and monitoring |
| 7 | Freezing, unfreezing, and terminating cards |
| 8 | Managing card limits |
| 9 | Fees, cross-border charges, and revenue modeling |
| 10 | Restricted merchant categories (MCCs) and real merchant behavior |
| 11 | Refunds, reversals, and chargebacks |
| 12 | Designing card UX for trust and clarity |
| 13 | Card operations and support playbook |
| 14 | Card-based product use cases and strategy |
| 15 | Fraud patterns and spend abuse |
| 16 | Metrics and KPIs for card products |
| 17 | Marketing and distribution strategy for card products |
| 18 | Understanding the full value chain of virtual cards |
| 19 | BINs: identification, validation, and strategic use |
| 20 | Card authorizations, silent transactions, and pre-authorizations |
| 21 | Compliance, security, and regulatory responsibilities in virtual card products |
| 22 | How virtual card programs are really built and operated |
| 23 | Capstone project and final reflections |


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