E Money Card
E Money Network · Mastercard
The E Money Card is a crypto Mastercard issued by E Money Network, linked to a custodial wallet where users deposit stablecoins (USDT, USDC, eEUR) on Ethereum, BNB Chain, Solana and Base. It works anywhere Mastercard is accepted, online, in stores and at ATMs, and offers up to 2% cashback claimable in various cryptocurrencies across multiple chains. Data note: the official source documents a one-time issuance fee of 99 USD (payable in USDT/USDC), not in euros; because no EUR figure is documented, fee_emissione_eur is set to 0. An annual fee is likewise undocumented and set to 0. ATM fees and withdrawal limits are not disclosed and have been omitted.
Data & conditions
| Account fee | Free |
|---|---|
| Network | Mastercard |
| ATM withdrawal | Free |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA, UK, LATAM |
| Segment | B2C |
| Funding / solidity | E Money Network is a Layer 1 blockchain platform based in Lodz (Poland), developed in partnership with the Scallop ecosystem. The card is linked to a custodial wallet and the app is available to EU citizens and residents. |
| MiCA / License status | Infrastructure presented as MiCA-compliant with integrated KYC/AML procedures; app currently available to EU citizens and residents. |
Strengths
- Up to 2% cashback redeemable in various cryptocurrencies across multiple chains
- Works anywhere Mastercard is accepted, online, in stores and at ATMs
- Supports stablecoins across multiple networks (Ethereum, BNB Chain, Solana, Base)
- No notable sovereignty advantage documented.
Weaknesses
- Custodial wallet: funds are not under the user's full control
- FX markup of up to 2% on foreign-currency transactions
- One-time 99 USD issuance fee and undisclosed ATM fees/limits
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Infrastructure presented as MiCA-compliant with integrated KYC/AML procedures; app currently available to EU citizens and residents.): reporting to authorities and freezes on order.
Verdict
Custodial wallet with full KYC: funds are held by the platform and the user does not have full control. Protection depends on the issuer's soundness and regulatory compliance, not on direct control of the keys.
Very low sovereignty: custodial wallet, mandatory KYC and no self-custody of keys. Not suited to those seeking direct control and privacy over their funds.
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
How much does it cost to order the E Money Card?
The official source lists a one-time issuance fee of 99 USD, payable in USDT or USDC on Ethereum, BNB Chain or Solana.
Is the E Money Card custodial?
Yes. The linked wallet is custodial: funds are managed by the platform and full KYC verification is required.
Sources
- Official service page Payment network · Url ufficiale · Fee emissione Data verified on Jun 22, 2026
- docs.emoney.network Fee emissione (99 USD una tantum · Pagabile in USDT/USDC) · Network Mastercard · Accettazione globale · +3 Data verified on Jun 23, 2026
- messari.io Azienda info (Layer 1 · Sede Lodz Polonia · Partnership Scallop) · Regolamentazione (MiCA · +1 Data verified on Jun 23, 2026
- todey.xyz Custodial · Cashback · FX markup · Kyc · +2 Data verified on Jun 22, 2026