XCARD-Spend Anywhere, Any Cryptocurrency, With Any Payment Card

4 min readSep 7, 2019

With the advent of technology everything around has transformed significantly. Technology brings new disruption and guide us towards future. With this old archiac working models get a new shape and the capability to sustain changing environment. Today technology has spread it’s legs in every sector of our society and we can’t perform any task with it.

Today we live in 21st century and people are eagerly waiting for new technology. Even though technology have to face initial difficulties because most of the people are not technically sound or just lazy to learn the new technology. But change is the law of nature and everyone has to adopt the new technology and go forward otherwise they left behind. In the similar manner improvements in technology has also changed the way we make payments today.

In the recent years blockchain technology backed crypto coins are amazed the world. Cryptocurrencies provide secured, instant and reliable payment solution. But everything is not so sweet as it seems. Even though being a superior technology still the crypto market face many difficulties in real world payment adoption. In the recent media reports you may have heard crypto adoption around the world but the real adoption rate is only 0.1%. Because crypto payment process takes longer time and complex to execute.

Today almost everyone one use credit cards or payment cards to make instant payments. Card payment is convenient, easy and simple to use. Thanks to XCard fintech solution which is combining crypto and Fiat for ultimate payment solution.

About XCard

XCard is a decentralized cryptocurrency payment solution provided by Mobilum. XCard implemented blockchain backed crypto technology to settle instant payments. With only XCard payment card we can make instant payments in Fiat and crypto. XCard has got licence from Estonia and Latvia countries and working towards incorporating Visa and SEPA into its ecosystem. All these features increases the trust on the XCard ecosystem.

Getting started on XCard ecosystem is very simple and easy process. You need to connect your existing credit card or bank account to the XCard ecosystem with which you can topup your XCard payment card. XCard has developed its own cryptocurrency wallet app which is highly secured and an exchange to instantly convert crypto into Fiat and vice versa.

You can load XCard’s crypto wallet with Bitcoin, Ethereum or with any other cryptocurrency. Upon topup you can choose the amount to spend for payments with your XCard and. You can also topup your XCard with wire transfer from your bank account directly.

Not only this XCard allow its participants to lend their crypto tokens collaterally for participants who want loan on its ecosystem. This brings a financial utility for XCard ecosystem. And also XCard is the world’s first biometric crypto credit card which increases the security and trust level.

XCard ecosystem uses MBM token as a primary medium to perform all the platform related operations. MBM tokens brings a perfect utility solution for XCard. There are totally 640 million MBM tokens are available. MBM token is an Ethereum blockchain based ERC20 token.

Conclusion

There is no doubt that XCard wants to transform the way we make payments today. With crypto technology implementation in the classical Fiat payment model will ease the entire payment settling process. With both crypto and Fiat currency availability for payments will bring great transformations. Only XCard payment card is sufficient for both crypto enthusiasts and classical Fiat lovers. XCard is a mixture of classical and modern technology solutions. I like the idea of XCard and it will boost the crypto adoption in real world.