Costs, licensing, consumer protection Privacy, self-custody, censorship resistance

THORWallet Card THORWallet Card

A plan byTHORWallet Card · Mastercard

3.7/5 2.9/5 · Data verified on

THORWallet offers a bank account as an NFT on Arbitrum, with a Swiss IBAN, in a self-custody model. The Mastercard is virtual-only, available in 66 countries, and currently offers no cashback. Crypto→fiat top-ups cost 1% (Standard), reduced to 0.5% (Gold) and 0.25% (Platinum) by holding the TITN token; no staking is required to use the card.

Estimated net annual cost €0/year

THORWallet Card

Price
Free
Issuance fee
Free
FX markup
0%
Cashback
0%
Cashback currency
Nessuno
Required staking
Nessuno per la carta (staking TITN opzionale per fee-sharing)
ATM fee
1%
ATM limit
$20.000/mese (Standard)
Net annual cost
Free

What's included

  • Non-custodial Mastercard
  • Swiss IBAN (Fiat24 partner, FINMA)
  • 66 countries
  • Crypto→fiat top-up 1% (0.5% Gold / 0.25% Platinum with TITN)
  • THORChain cross-chain swap
  • DeFi access
0%
FX markup
Not disclosed
Cashback
Free
Annual fee
Free
Issuance fee
Self-custody
Custody
46
Transparency: Low
46/100 · see methodology
46
Data exposure: Low
46/100 · lower is better for sovereignty · methodology

Data & conditions

Network Mastercard
Fund custody Self-custody (funds in your control)
Issuance fee Free
Annual fee Free
Free ATM limit $20.000/mese (Standard)
ATM withdrawal 1%
FX markup 0%
Cashback Not disclosed
Chains Arbitrum, Ethereum, Bitcoin, THORChain
On-chain settlement Yes
Contactless Yes
Virtual card Yes
KYC Full
Privacy 7/10
Supported countries EEA, UK, APAC, LATAM · 66+ countries
Estimated net annual cost €0/year
Regulator FINMA (via Unblock partner)
Segment B2C
MiCA / License status FINMA Fintech license (partner Fiat24) FINMA (CH)

Strengths

  • Bank account NFT on Arbitrum; Swiss IBAN; 0% FX.
  • Self-custody: funds stay in your wallet — the platform cannot touch them.

Weaknesses

  • Virtual only; no cashback; 1% crypto→fiat top-up (0.5/0.25% with TITN).
  • Full KYC required: verified identity, zero pseudonymity.
  • Subject to regulation (FINMA (CH)): reporting to authorities and freezes on order.

Verdict

B C ★ 3.7/5 ★ 2.9/5 Estimated net annual cost: €0/year

The mid-tier placement reflects a reassuring regulatory frame (FINMA via partner Fiat24, a Swiss IBAN) and 0% FX markup, offset by a card that is virtual-only and lacks cashback. The crypto→fiat conversion on top-up (1% Standard, reduced by holding the TITN token) and the key responsibility of the self-custody model round out the risk profile for an ordinary user.

On the sovereignty front the offering is original: a bank account in the form of an NFT on Arbitrum, on-chain settlement across Arbitrum, Ethereum, Bitcoin and THORChain and self-custody funds, with coverage in 66 countries. The lack of cashback and full KYC weigh little against such a crypto-native, cross-chain architecture.

Privacy & anonymity 30% 1.8
Fund control 20% 5.0
Censorship resistance 20% 1.5
Costs 10% 5.0

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 THORWallet Card a safe card?

THORWallet Card is a self-custody card on the Mastercard network. It is regulated by FINMA (via Unblock partner). As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is self-custody.

How much does THORWallet Card cost?

No annual fee and 0% FX markup. Crypto→fiat top-ups carry a 1% (Standard), 0.5% (Gold) or 0.25% (Platinum) conversion based on your TITN holdings.

Does THORWallet Card offer cashback?

THORWallet Card does not offer crypto cashback.

Is THORWallet Card available in Italy?

Yes, THORWallet Card is available in Italy.

Is THORWallet Card custodial or self-custody?

THORWallet Card uses a self-custody model. Funds stay in your wallet and you keep control of your private keys; the card debits at the moment of spending.

Sources

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Update history

✓ Terms unchanged since Jul 10, 2026

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