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   Welcome to XCARD!   

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Available soon on

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send and receive money
instantly, with no hidden costs

spend anywhere,
any cryptocurrency, any payment card

XCard App

spend anywhere,
any cryptocurrency, any payment card

XCard Biometric Credit Card
Xcard Wallet Image

Xcard Wallet

All-in-one digital wallet & crypto credit card

Our mission is to connect fiat currencies and crypto assets in real-time. Store, trade and exchange them instantly and spend anywhere you want, with no limitations.

XCARD Wallet unique instant exchange feature uses risk-free decentralized internalizer with intelligent atomic swaps functionality. Your funds are safe with us, stored in a multi-signature and/or cold-storage wallet to ensure that you’re the only one with the access to your money.

Xcard Biometric Card
Mobile App Presentation
Xcard Wallet Image
Xcard Wallet Image

Multi Asset Wallet

XCARD Wallet supports a large number of financial assets & services including

  • Fiat Currencies
  • Cryptocurrencies and tokens
  • Securities based on the blockchain technology
  • Non-fungible tokens and Collectibles...
    and their auctions
  • eCommerce payment services
  • Peer to peer transfers, lending & recurring payments.
Xcard Wallet Image

Pay Everywhere

You can pay anywhere you want, with any (crypto) currency and any payment card. XCARD wallet allows you to make and receive payments in the desired currency. Buyers and sellers decide transaction details independently.

Our decentralized internalizer enables payments without waiting for network consensus & competitive interest rates.

Xcard Wallet Image

The immediate exchange at the best price

XCARD decentralized internalizer aggregates data and liquidity from different sources (partner exchanges, brokers and own pools) providing best exchange price available on the market.

XCARD enables trading with over 200 cryptos (including altcoins), FIAT to crypto & crypto to FIAT conversion directly and instantly.

Xcard Wallet Image
XCard Background Logo

Top features

Easy to use icon safety & convenience

Perfect place to make your first step towards cryptocurrencies in a secure environment.

Exchange rate icon buy cryptocurrencies easily

Buy Bitcoin or other cryptocurrencies using your payment card or wire transfer.

Security first icon Limitless experience

You own your funds, without any limits.
Buy, Sell or lend your crypto assets freely.

Payment card icon any payment card

XCARD Wallet supports most debit & credit cards. Sign up to XCARD Wallet with your existing payment card & start buying cryptocurrenices or spending them freely.

Buy now icon buy now, pay later

We enable you to spend money no matter if you have fiat funds or not with our first on the market biometric crypto credit card

Full KYC icon full kyc compliance

XCARD Wallet is fully KYC compliant.
Our onboarding process is much easier than opening a bank account.

Instant Settlement icon instant settlement

XCARD decentralized internalizer and intelligent atomic swaps functionality allows for all transactions to be most efficient & in real-time.

Xcard Wallet Image



XCARD is an all-in-one digital wallet & the most convenient crypto credit card. You can perform any financial and cryptocurrency transaction in real-time, with no limits.

XCard App screen
XCard App screen
XCard App screen



Q4 2019

BETA of XCARD Wallet (Android & iOS) available for the first 5K users.


Q4 2019

IEO: expected goal $5M equivalent.


Q1 2020

Integration with selected partners: VISA, Santander Bank, GateLab, Exchanges, PSP.


Q1 2020

Launch of the XCARD Wallet.


Q2 2020

Decentralized internalizer with intelligent atomic swaps set up.


Q3 2020

Full XCARD Wallet & crypto credit card goes live & is available on App Store & Play Store.

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Beta testing