XCARD

SPEND ANYWHERE, ANY CRYPTOCURRENCY, ANY PAYMENT CARD

XCARD WALLET

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.

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.

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.

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.

FEATURES

SAFETY & CONVENIENCE

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

BUY CRYPTOCURRENCIES EASILY

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

LIMITLESS EXPERIENCE

You own your funds, without any limits.

Buy, Sell or lend your crypto assets freely.

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.

INSTANT SETTLEMENT

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

FULL KYC COMPLIANCE

XCARD Wallet is fully KYC compliant.

Our onboarding process is much easier than opening a bank account.

BUY NOW, PAY LATER

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

XCARD TECHNOLOGY

XCARD’s extensive history and technical know-how of the payment services industry enables it to use modern to provide a swift and smooth user experience.

Supported cards 

XCARD will support all payment cards with a technical bank account number. Individual providers will be added to the platform successively, however, from the very beginning of the operation, XCARD is looking to provide a quick transaction with a guarantee of less than one day for: Visa, Visa Debit, Visa Electron, MasterCard, Maestro. XCARD is also working towards to support for JCB, UnionPay, Diners, Club, Amex.

Direct payment gateways

 A payment gateway is a merchant service provided by an e-commerce application service provider that authorizes credit card or direct payments processing typically for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar. A payment gateway facilitates a payment transaction by the transfer of information between a payment portal, such as a website, mobile phone or interactive voice response service, and the front end processor or acquiring bank. XCARD connects to the major gateways to provide near instant transactions to its users. For Visa cards, XCARD is looking to use OCT. OCT (Original Credit Transaction) is an innovative payment system for fast and convenient fund transfers to eligible Visa cards. Cooperation with VISA and the implementation of new services such as SEPA (Target/TIPS) and SWIFT schemes allows users to benefit from fast and cost effective transfers globally.

For MasterCard, XCARD is looking to use Maestro and Money Send.

Internatilizer – matching engine 

Internalizer is the matching engine that matches the best FIAT prices for users that are converting currency. The matching engine is one of the fastest and the most robust matching engine technology for the retail forex and cryptocurrency market. Forex providers and exchange operators of all sizes can connect to the matching engine technology using several ways i.e. FIX API and proprietary developed bridges. We will use risk management tools which will calculate, check, control, filter and update all system parameters constantly as trades are matched.

Connection to exchanges

Exchanges are another essential part of the cryptocurrency ecosystem, matching buyers and sellers of the digital assets. Тhe rising number of cryptocurrency exchanges intensifies the rivalry among them, and the struggle to keep and attract customers.

XCARD instant loan backed by crypto is specifically designed to provide partnering digital asset exchanges with additional leverage and liquidity in order to support their margin lending activities, enabling them to reach higher capital efficiencies.

Data feeds for the price

Access to comprehensive price discovery is vital to accurately value the cryptocurrency market. XCARD will use access to stream real-time and historical data for the most actively traded digital currencies. XCARD will offer multiasset and multi-venue data from several cryptocurrency trading venues, markets, and exchanges globally.

XCARD’S TOKEN SALE

The XCARD project is looking to raise funds through an XCARD IEO to bootstrap its platform economy around users, business partners, lenders, and borrowers. The XCARD platform will be at the beta version stage at the launch of Initial Exchange Offering.

MBM has a dual nature of an access token and a transaction fee token. Users need to hold a certain number of MBM tokens to use and interact with the XCARD platform. The Initial Exchange Offering event is the primary issuance of tokens and the first chance to purchase them. Users can later obtain tokens through the XCARD platform itself, or independent brokers.

TOKEN DISTRIBUTION

USE OF PROCEEDS

ROADMAP

Q3 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.

Q1 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.

FOR MORE INFORMATION CLICK LINK BELLOW:

• Website: http://xcard.io/
• Whitepaper: http://xcard.io/static/XCard-Whitepaper-21082019.pdf
• Telegram: https://t.me/mobilumcom
• Facebook: http://www.facebook.com/mobilumcom/
• Twitter: https://twitter.com/xcardbymobilum
• Linkedin: https://www.linkedin.com/company/mobilumcom

Author: Batu permata

My Bitcointalk Profile: https://bitcointalk.org/index.php?action=profile;u=1875984