Tonhub Card
Tonhub · Visa
Tonhub Card is a Visa debit card linked to a non-custodial (smart-contract) wallet on the TON blockchain, letting users spend Toncoin (TON) and Tether (USDT) balances with automatic conversion to fiat at the point of sale. It supports SEPA, SWIFT, Apple Pay, Google Pay and IBAN, with both physical and virtual cards. Available only to EU residents and requiring full KYC; the code was audited by Trail of Bits. The per-operation fee is 1.5% and ATM withdrawals cost 1.5% + 1 EUR. Issuance and annual fees are not documented on official sources and are reported here as 0; FX markup is stated as up to 3% on non-EUR transactions.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | Limite mensile complessivo 50.000 EUR; limite specifico ATM non documentato |
| ATM withdrawal | 1.5% |
| FX markup | 3% |
| Cashback | — |
| Chains | TON |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 5/10 |
| Supported countries | EEA · 25+ countries |
| Funding / solidity | Tonhub Card e operata da Walleexer s.r.o. (Repubblica Ceca, n. identificazione 17989124), societa del gruppo Whales Corp AG. Disponibile per residenti UE maggiorenni. |
| Estimated net annual cost | €0/year |
| Regulator | Nessuno (Walleexer s.r.o. e Whales Corp AG dichiarano di non fornire servizi regolamentati) |
| Segment | B2C |
| Funding / solidity | Tonhub Card is operated by Walleexer s.r.o. (Czech Republic, ID number 17989124), a company within the Whales Corp AG group. Available to EU residents aged 18+. |
| MiCA / License status | Unregulated service. Operated by Walleexer s.r.o. (Czech Republic, ID number 17989124), part of the Whales Corp AG group; Whales Corp AG explicitly states it does not provide any regulated services. |
Strengths
- Non-custodial wallet: funds stay in a user-controlled smart contract until the charge settles
- Direct spending of TON and USDT with automatic fiat conversion and Apple Pay/Google Pay support
- Code audited by Trail of Bits and IBAN included for SEPA/SWIFT transfers
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Available only to European Union residents
- 1.5% fee on every operation and no cashback
- Issuance and annual fees not published on official sources
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Unregulated service. Operated by Walleexer s.r.o. (Czech Republic, ID number 17989124), part of the Whales Corp AG group; Whales Corp AG explicitly states it does not provide any regulated services.): reporting to authorities and freezes on order.
Verdict
Weak protection: the service is operated by Walleexer s.r.o. (Whales Corp AG group), which explicitly states it does not provide regulated services; there is no prudential supervision or fund-protection scheme. The non-custodial design places custody responsibility entirely on the user.
Good sovereignty: non-custodial wallet on a TON smart contract with user-controlled keys and Trail of Bits-audited code; funds stay on-chain until charged. Mandatory full KYC nonetheless limits anonymity.
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 Tonhub Card custodial?
No. It is linked to a non-custodial wallet on the TON blockchain: funds stay in a user-controlled smart contract and are only debited once the transaction succeeds.
Which cryptocurrencies and regions does it support?
It supports Toncoin (TON) and Tether (USDT) and is currently available only to European Union residents, with an overall monthly limit of 50,000 EUR.
Sources
- Official service page Non-custodial · Visa debit · TON · Virtual card · +12 Data verified on Jun 23, 2026
- bestcryptocards.info Transaction fee 1.5% · Atm fee 1.5% · 1 EUR · Monthly limit 50000 EUR · +1 Data verified on Jun 22, 2026
- todey.xyz Fx markup pct up to 3% · Cashback 0% · EU only · Virtual card · +1 Data verified on Jun 22, 2026