Mobilum Card
Mobilum Technologies Inc. · Mastercard
Mobilum is a fintech group bridging traditional finance and crypto, offering a Mastercard debit card that converts cryptocurrencies into fiat at the point of payment. The card comes in virtual and physical versions, can be added to Apple Pay and Google Pay, and supports EUR, USD and PLN accounts. It supports 50+ cryptocurrencies (including BTC, ETH, USDT, USDC, SOL) and is accepted anywhere Mastercard is, with some sanctions-related exceptions. The wallet is custodial: funds are held by the group's regulated entities (Poland, USA, Canada). Mobilum Technologies Inc. is a publicly listed company (CSE: MBLM) holding a Payment Institution licence in Poland.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Mastercard |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | €7 |
| Annual fee | Free |
| ATM withdrawal | 2% |
| FX markup | 2.5% |
| Cashback | — |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 3/10 |
| Supported countries | US, EEA, UK |
| Funding / solidity | Mobilum Technologies Inc. è una società fintech quotata (CSE: MBLM) con sede a Vancouver, Canada, fondata nel 2017. Il gruppo collega finanza tradizionale e cripto tramite entità regolamentate in Polonia, USA e Canada. |
| Estimated net annual cost | €7/year |
| Regulator | KNF (Komisja Nadzoru Finansowego) |
| Segment | B2C |
| Funding / solidity | Mobilum Technologies Inc. is a publicly listed fintech company (CSE: MBLM) headquartered in Vancouver, Canada, founded in 2017. The group bridges traditional finance and crypto through regulated entities in Poland, the USA and Canada. |
| MiCA / License status | Payment Institution License (Poland, MIP118/2021)Virtual Asset Service Provider (Poland, RDWW-1017 / RDWW-1801)FinCEN Money Services Business (USA, #31000258001314)FINTRAC Money Services Business (Canada, #M23055482) Mobilum operates through regulated entities: a Payment Institution licence in Poland (MIP118/2021) under KNF supervision, a Polish VASP registration, and MSB registrations with FinCEN (USA) and FINTRAC (Canada). |
Strengths
- Crypto-to-fiat conversion at point of sale on the global Mastercard network
- Virtual and physical card with Apple Pay and Google Pay support, EUR/USD/PLN accounts
- Group regulated across multiple jurisdictions (Poland, USA, Canada) and publicly listed
- No notable sovereignty advantage documented.
Weaknesses
- Custodial wallet: funds are not in the user's direct custody
- FX markup up to 2.5% and fee-based ATM withdrawals (2% + flat fee)
- No cashback or rewards programme on spending
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Mobilum operates through regulated entities: a Payment Institution licence in Poland (MIP118/2021) under KNF supervision, a Polish VASP registration, and MSB registrations with FinCEN (USA) and FINTRAC (Canada).): reporting to authorities and freezes on order.
Verdict
Custodial wallet with a Polish payment institution licence (KNF) and MSB registrations in the USA and Canada: regulatory compliance is solid and multi-jurisdictional, but funds remain in the operator's custody, not the user's.
A solution far from cypherpunk ideals: custodial wallet, mandatory full KYC and funds held by regulated entities. No direct control over the keys.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is the Mobilum card custodial?
Yes. Mobilum is a custodial service: the funds and crypto linked to the card are held by the group's regulated entities, not in a user-controlled self-custody wallet.
What fees does the Mobilum card charge?
Issuance is about 1 USD for the virtual card and 8 USD for the physical card, with no annual fee. The FX markup goes up to 2.5% and ATM withdrawals cost 2% plus a flat fee of around 2 USD. There is no cashback.
Sources
- Official service page Nome · Azienda · Payment network · Virtual card · +7 Data verified on Jun 23, 2026
- todey.xyz Card issuance fee · FX markup · ATM fees · Cashback · +3 Data verified on Jun 22, 2026