Agrotoken
Agrotoken
A Visa card born from the Banco do Brasil partnership and backed by tokenized agro-commodities, an unusual RWA use case. The project is still in testing and available in only three countries, with a very niche application that limits its usefulness for the average user.
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | condiviso |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| On-chain crypto withdrawal | Yes |
| Interest on balance | 0% |
| ATM withdrawal | not declared |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | LATAM · 3+ countries |
| Regulator | None |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | None |
Plans & pricing
Strengths
- Unique Visa card backed from agro-commodities tokenized; Visa+Banco do Brasil partnership.
- No notable sovereignty advantage documented.
Weaknesses
- In test; only 3 countries; use case very niche.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
The rating stays in the B band because there is no declared licence or regulator: the Visa branding and Banco do Brasil backing lend confidence on the payment rails, but the tokenized agro-commodity collateral is still a model in testing and live in only three countries. For an ordinary user that means an incomplete institutional safety net and too narrow a footprint to rely on for everyday spending.
On this lens the verdict worsens: custody is fully custodial and KYC is full, so there is no key autonomy and no real privacy. The tokenized RWA angle is interesting on-chain, but this remains a product that intermediates everything through a bank and the Visa network, the opposite of a non-custodial, censorship-resistant crypto-native model.
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 Agrotoken a real bank?
Agrotoken is a digital financial service. The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with Agrotoken?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Agrotoken support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Agrotoken support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Agrotoken?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework Data verified on Jun 13, 2026
- blockchainx.tech Supported stablecoins Data verified on Jun 15, 2026
- agrotoken.com Legal name · Corporate site Data verified on Jun 14, 2026
- algorand.co Third-party audit · Proof-of-Reserves Data verified on Jun 14, 2026
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