A user may print a smart card on-demand by leveraging an Extended Reality (XR) interface to enter card specifications and supply them to a card issuer as an encrypted payload. The card issuer may send the user a non-fungible token (NFT) with instructions for rendering and 3D printing the card using the user's XR interface. The printed card may have an interior layer that includes a pattern of micro electromechanical sensor (MEMS) tactile sensors that uniquely identify the card. The sensors may be placed in selected locations based on a predefined grid pattern of potential sensor locations. The 3D printer may add a non-programmed smart chip to the card. The 3D printer may be a user's printer, or may be a 3D printer at an automated teller machine (ATM). An ATM may be configured to validate and activate the card after detecting the MEMS pattern and programming the smart chip.