One year ago, Crunchfish announced a breakthrough innovation of Digital Cash using a two-tier settlement architecture, offline vs. online. Now this ground-breaking solution is extended to also include Digital Cash on cards. By tapping a card on a mobile a user may top-up a balance on the card or alternatively pay to an offline wallet on the mobile. These use cases are relevant for the payment schemes of as well as CBDC to ensure financial inclusion by supporting a bearer instrument that is very simple to use. Crunchfish announces a new patent pending innovation with application number SE2150109-3 that extends offline frictionless mobile payments to also support payment cards. This is especially important in CBDC implementations as cards as a bearer instrument is important to ensure financial inclusion. The innovation Crunchfish brings is that cards can be topped-up and used much easier. By simply tapping a card on a mobile the user may top-up the balance on the card or alternatively pay to an offline wallet on the mobile. The Digital Cash cards may also be implemented with the dual functionality of both maintaining a balance on the card in addition to supporting EMV card rail payments as shown in card payment implementations such as NPCI's RuPay Contactless card scheme in India that integrates the National Common Mobility Card wallet used for public transportation payments.