imToken Card
imToken · Mastercard
The imToken Card is a virtual Mastercard built into the self-custody imToken wallet, issued with Fiat24 (SR Saphirstein AG), a Swiss FINMA-licensed fintech. It runs fully on-chain on Arbitrum: users keep control of their funds (ETH, USDC, USDT, WBTC) and get a multi-currency Swiss IBAN account. No annual fee and no cashback, ~$5 registration, FX markup up to 1.5% and a 1% top-up fee. KYC required; aimed at online spending and subscriptions, true to the non-custodial model.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Mastercard |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | €5 |
| Annual fee | Free |
| ATM withdrawal | Free |
| FX markup | 1.5% |
| Cashback | — |
| Chains | Arbitrum |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 4/10 |
| Supported countries | EEA, UK, LATAM, APAC |
| Funding / solidity | imToken è un wallet self-custody per criptovalute (Bitcoin, Ethereum e altre chain). La imToken Card è emessa in collaborazione con Fiat24, marchio di SR Saphirstein AG, fintech svizzero con sede a Zurigo e licenza FINMA che fornisce un conto con IBAN svizzero multivaluta on-chain. |
| Estimated net annual cost | €0/year |
| Regulator | FINMA (Autorità federale svizzera di vigilanza sui mercati finanziari) |
| Segment | B2C |
| Funding / solidity | imToken is a self-custody crypto wallet (Bitcoin, Ethereum and other chains). The imToken Card is issued with Fiat24, a brand of SR Saphirstein AG, a Zurich-based Swiss FINMA-licensed fintech providing an on-chain multi-currency Swiss IBAN account. |
| MiCA / License status | Licenza fintech FINMA (emittente Fiat24 / SR Saphirstein AG) Issuer Fiat24 (SR Saphirstein AG) holds a fintech licence under Article 1b of the Swiss Banking Act, supervised by FINMA; company registration CHE-256.014.995. |
Strengths
- Fully self-custodial: funds stay in the imToken wallet
- No annual fee; regulated issuer (Fiat24, FINMA) with a multi-currency Swiss IBAN
- Low costs thanks to on-chain settlement on Arbitrum; virtual card usable immediately
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- No cashback or rewards program
- Virtual card only: no physical and no ATM access
- Assets and settlement limited to Arbitrum; FX markup up to 1.5% + 1% top-up; mandatory KYC
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Issuer Fiat24 (SR Saphirstein AG) holds a fintech licence under Article 1b of the Swiss Banking Act, supervised by FINMA; company registration CHE-256.014.995.): reporting to authorities and freezes on order.
Verdict
Self-custody virtual Mastercard built into imToken and issued by Fiat24 (SR Saphirstein AG), a Swiss FINMA-licensed fintech (Art. 1b Banking Act) with a multi-currency Swiss IBAN: the issuer is regulated, but funds stay in the wallet with on-chain settlement on Arbitrum, so protection depends on the user managing their own wallet.
Fully non-custodial model: keys and funds (ETH, USDC, USDT, WBTC) stay under the user's control in the imToken wallet, with on-chain settlement on Arbitrum. Strong fund sovereignty, tempered by the full KYC required by Fiat24.
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 imToken Card custodial?
No: it is built into the self-custody imToken wallet; funds stay under your control and settlement happens on-chain on Arbitrum via the Swiss issuer Fiat24.
Does it offer cashback or charge an annual fee?
No cashback and no annual fee. There is ~$5 registration, a 1% top-up fee and FX markup up to 1.5%.
Sources
- support.token.im Supported currencies · Azienda info · Regulator · Regulatory framework Data verified on Jun 23, 2026
- coincodecap.com Fees · Cashback · Virtual · Payment network · +2 Data verified on Jun 22, 2026
- fiat24.com Azienda · Paese · Licenses & registrations Data verified on Jun 22, 2026
- todey.xyz Fees · Fx · Cashback · Payment network · +5 Data verified on Jun 22, 2026