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

TP Card

Name: TP Card
Brand: TokenPocket

TokenPocket · Visa / Mastercard

3.0/5 2.8/5 · Data verified on Jun 22, 2026

TP Card is a self-custody debit card launched by TokenPocket together with a compliant Swiss banking partner (Fiat24), built on the Arbitrum blockchain with a 1:1 link between the on-chain wallet (an NFT bank account) and the card. It spends crypto by converting it to fiat at the point of purchase, with a Swiss IBAN plus SEPA and SWIFT rails. The ATM fee is set to 0 because cash withdrawals are not supported; the issuance fee is set to 0 because it is only a small share of the NFT minting cost, not documented in euro.

Transparency: Low

46/100 · see methodology

Data exposure: Low

46/100 · lower is better for sovereignty · methodology

Data & conditions

§ Amounts in USD/GBP are shown in the service's native currency.

Network	Visa / Mastercard
Fund custody	Self-custody (funds in your control)
Issuance fee	Free
Annual fee	Free
ATM withdrawal	Free
FX markup	0%
Cashback	—
Chains	Arbitrum
On-chain settlement	Yes
Contactless	Yes
Virtual card	Yes
KYC	Full
Privacy	6/10
Supported countries	EEA, UK, APAC · 32+ countries
Funding / solidity	TokenPocket e un wallet cripto globale (25+ milioni di utenti in 200+ paesi); per la TP Card collabora con Fiat24 (SR Saphirstein AG), Web3 bank svizzero regolato FINMA che emette gli stablecoin on-chain EUR24/USD24/CHF24.
Estimated net annual cost	€0/year
Regulator	FINMA (Svizzera) via partner bancario Fiat24
Segment	B2C
Funding / solidity	TokenPocket is a global crypto wallet (25M+ users across 200+ countries); for the TP Card it partners with Fiat24 (SR Saphirstein AG), a FINMA-regulated Swiss Web3 bank that issues the on-chain stablecoins EUR24/USD24/CHF24.
MiCA / License status	Fiat24 (Swiss FINMA-regulated banking partner) TP Card banking services are provided by Fiat24 (SR Saphirstein AG), holder of a fintech banking license under Art. 1b of the Swiss Banking Act and supervised by FINMA since February 2021.

Strengths

Self-custody model: the card is linked 1:1 to the on-chain wallet, crypto stays under user control
No annual fee and 0% FX markup (only possible interbank settlement costs remain)
Full banking rails with Swiss IBAN, SEPA and SWIFT on Visa/Mastercard acceptance

Self-custody: funds stay in your wallet — the platform cannot touch them.

Weaknesses

No cashback or crypto rewards
1% fee on every crypto deposit onto the card
No ATM withdrawal support and undisclosed transaction limits

Full KYC required: verified identity, zero pseudonymity.
Subject to regulation (TP Card banking services are provided by Fiat24 (SR Saphirstein AG), holder of a fintech banking license under Art. 1b of the Swiss Banking Act and supervised by FINMA since February 2021.): reporting to authorities and freezes on order.

Verdict

B C ★ 3.0/5 ★ 2.8/5 Estimated net annual cost: €0/year

High protection on the custody side: the TP Card is self-custody and crypto stays in the user's on-chain wallet, while the banking services (Swiss IBAN) rely on Fiat24, a FINMA-regulated partner. Full KYC is still required by the banking partner.

Good sovereignty: non-custodial model with a 1:1 link between the on-chain Arbitrum wallet and the card, keys stay with the user. Full KYC and reliance on a regulated banking partner partially reduce the cypherpunk profile.

Privacy & anonymity 30% 1.5

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

Who issues the TP Card and is it custodial?

The TP Card is launched by TokenPocket with a compliant Swiss banking partner (Fiat24). It is a self-custody card: the on-chain wallet on Arbitrum stays under the user's control with a 1:1 link to an NFT bank account.

What fees does the TP Card charge?

No annual fee and 0% FX markup. A 1% fee applies to crypto deposits onto the card (partially refunded via rewards). ATM withdrawals are not supported.