Hardy Crypto

XCARD is a crypto wallet as well as a payment card that enables crypto users to buy their assets instantly all around the world. it is supported by Internalizer, a sort of arbitrate engine. The combination enables the users to have the best currency available in the market. There is also another product from XCARD known also as XCARD Biometric Credit Card. It is the safest credit card to withdraw the crypto from all banks and ATMs.

XCARD is a part of the Mobilum environment. The products involve the wallet, card, exchange, and API foundation. All the features are combined so that an instant platform is developed well. There is also a point transaction system that integrates crypto money into FIAT. With the products, now, you can pay or accept the money and it is definitely your right to determine what currency to be used for the transaction.

Mobilum Platform is a scalable ecosystem of building blocks — microservices, utilizing common open source API and underlying protocol — a blockchain solution — to provide instant any to any conversion with best execution rates, fueled by the mobilum token (MBM).

Nowadays user experience is the main pillar of all customer-oriented applications. In order to provide the best experience and best practices to utilize Mobilum Platform, XCARD project was created. XCARD utilizes Mobilum Platform API in order to provide a state-of-the-art multicurrency wallet implementation and first virtual crypto credit card available.

Mobilum Platform consists of three main domains as of today.

XCARD — the most secure cryptocurrency & fiat Wallet & biometric crypto credit card, designed in a way to make a journey with crypto as easy as with fiat money for advanced and first-time customers.

Mobilum internalizer is a high frequency, low latency, multi-market and multi-asset matching engine which internalize in real-time all customers orders. It consists of Virtual Order Book and Pricing Engine which provides Best Execution mechanism for traded assets, leverages Mobilum Liquidity Pools and calculates Volatility Indexes of traded cryptocurrencies.

Mobilum Foundation — building blocks of Mobilum Platform done in microservices paradigm, utilizing open source API, providing all services and interactions for the platform, including blockchains connectivity, banking system connectivity, payment processing, order management, security and many more.

There is one main rule in all domains of Mobilum Platform — an MBM Token as a membership token is required by invoking user to interact with and between the building blocks of the platform. The amount of MBM Tokens is calculated (as a 0,5% of the transaction value) by the Pricing Engine and exposed to all other building blocks through the API.

If the invoking user lacks the required amount and he has an XCARD multi-sig wallet created inside the XCARD application, XCARD buys a missing amount of MBM Tokens on user behalf through the Internalizer using best execution rate — other ways or in case the user lacks enough funds or coins to buy a missing amount of MBM Tokens, the transaction is void and rolled back.

Mobilum Foundation interacts with other systems through the APIs. One of the building blocks of Mobilum Foundation is its blockchain solution which stores all information about transactions performed on Mobilum Platform through XCARD wallet application or open source API. Access to the blockchain of Mobilum Platform is possible through the open source API or Mobilum Explorer — a web3 application. XCARD wallet utilizes the open source API to show the full list of transactions of the given user in his wallet.

*About XCARD*

XCARD introduces a utility token, the MBM token that fuels the whole Platform that is the most liquid token in the XCARD Wallet. Once regulation enables legitimate issuance of equity or security tokens, special benefits for investors and MBM token holders will be offered XCARD has already signed 9 strategic partnerships which include: Santander Bank, Visa (Principal Membership), Gatelab (Part of London Stock Exchange Group), several trading exchanges (e.g. Hybrid Block) and others that wills to utilize in their business models solution provided by the XCARD.

XCARD is the most convenient wallet for crypto & FIAT conversion with access to exchanges all over the world. Built-in internalizer – an arbitrage engine – provides users the best exchange rates available on the market. XCARD Wallet is combined with XCARD Biometric Credit Card, the most secure credit card for instant crypto withdrawal from any ATM. XCARD’s team has a proven track record of more than 20 years in payment systems, payment cards, exchanges and currency trade systems.

*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.

*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.

In conclusion, we summarize some of the results and positive trends of the XCARD project:

1 SAFETY AND CONVENIENCE.

This is an ideal opportunity to take your first step into the world of cryptocurrencies in a safe environment.

2 EASY PURCHASE OF Cryptocurrencies.

The ability to buy Bitcoin and other cryptocurrencies using your payment card or bank transfer.

3 UNLIMITED EXPERIENCE.

You completely own your own funds without any restrictions, so you can buy, sell or borrow your crypto assets at your own request.

4 ANY PAYMENT CARD.

XCARD wallet supports most debit and credit cards.

You can connect any of your payment cards to your wallet and freely start buying cryptocurrencies.

5 BUY NOW AND PAY LATER.

The platform makes it possible to spend money regardless of whether you have funds in your account using a convenient biometric credit card.

6 FULL COMPLIANCE WITH KYC.

XCARD wallet is fully compatible with KYC.

Therefore, the process of entering the system is much simpler than opening a bank account in any traditional bank.

7 INSTANT SETTLEMENT.

XCARD’s decentralized internalizer and intelligent atomic swap features allow all transactions to be most efficient in real time.

You can talk a lot more about such an innovative project as XCARD. But in order not to delay the review, I leave all the necessary and important links below in the description. There you will find all the necessary answers to questions that arise during the study of the project. In the near future, you can expect that the XCARD project will prove itself and bring profit to its users and investors.