XCARD - a new generation means of payment !

andreikuleev (35)in #crypto • 5 years ago

Summary
Cryptocurrencies, nowadays are a common word used even among common people due to its virtual currency nature and financial transactions. Day by day, different firms and sectors across the world are getting adapted to this new currency and transaction method. But, there also seems to be several questions tagging along with the Cryptocurrencies. They are the reliability, security, adaptability to the current currency system which is being followed throughout the world that is fiat currency, how faster the transaction can be done and so on. Yes, even though it is spreading across the world, the Cryptocurrencies, the person holds cannot be used directly in their life due to the lack of merchant adoption of the same and the payment transfer gets delayed due to its decentralisation method. Considering all these factors and to ease the transactions, XCARD comes into the world with a very unique and new features.

What is XCARD?
XCARD is an all in one digital multi-asset wallet and crypto credit card powered by Mobilum which has a unique financial infrastructure. This XCARD project is aimed to solve the problems faced today in the payment, exchange and trading industry. XCARD’s key factor is that it can be used to perform instant and hasslefree ‘“any to any” transaction i.e. From fiat to cryptocurrency and crypto to fiat currency. Using XCARD, the payment can be done at any sale platforms both online and offline and even used to withdraw cash from ATM.
It is also very easy to buy Cryptocurrency through this, which is as simple as buying a drink and trading can be done instantaneously. It also allows its users to spend Cryptocurrency through their existing credit or debit card and the users can perform trading with more than 200 Cryptocurrencies. The XCARD have partnered with several renowned names in this industry such as Visa, Gatelab/London Stock Exchange, Santander Bank.

XCARD App
XCARD app is a mobile app which connects through which the users can convert, exchange cryptocurrencies to fiat and vice versa and the users can also use the same for any purchase and transactions across the world. It is available for download on playstore and iOS store. XCARD account is provided to the user after successful KYC verification. The app provides both personal and business accounts.
Loans can be taken through this app and for a one day loan there is no interest. For a longer loan period, a certain interests amount is applicable. But, the good part for paying back is that you can pay back either with fiat currency or with your desired cryptocurrency. In the near future, through XCARD, you can also lend your cryptocurrencies to other XCARD app users and you can earn a passive income by lending loan to others. The other prime feature is that you can top up.your existing card through this app with any accepted cryptocurrency which later you can convert them to fiat or any cryptocurrency as per your desire.

Crypto Credit Card

XCARD provides its users crypto credit card which goes with the term — Buy now, Pay later, in collaboration with VISA. With the help of this crypto credit card, you can purchase any product or service through any currency(fiat or crypto), even if you don’t have enough funds with you. It’s a multi-currency biometric crypto credit card which is one of a kind in the Cryptocurrency arena. Using this, you can pay the seller of any product or service by any fiat or cryptocurrency as per your choice and the seller can also accept or receive the corresponding payment as their choice such as fiat or cryptocurrency.
XCARD supports the existing payment card such as Visa, Visa Debit, Maestro, MasterCard, Visa Electron. It will also support JCB, Union pay, Diners Club, Amex in the near future. For the smooth payment transaction, XCARD supports payment gateways which are fast and cost effective for the users. XCARD is in collaboration with Visa card to use OCT(Original Credit Transaction) which is an innovative payment system from the Visa providing Visa card holders safe and convenient fund transfers. Similarly XCARD is in collaboration with the Master Card to use Maestro and Money Send, thereby Master Card holders can perform their transactions in a smoother way.

Advantages
XCARD is unique and provides more advantages to the users than its competitors in the market. The users can purchase 30 different cryptocurrencies presently with their fiat currency whereas its competitor coinbase allows only 4 cryptocurrencies.
It’s the only biometric crypto credit card and multi asset wallet in the crypto-world which provides the users “any to any” currency conversion in a faster and secure way. The users can take loans from the 30 different cryptocurrencies in the XCARD as per their desire and then can convert them to fiat currency as per their desire.
The XCARD users can take a loan using the different available cryptocurrencies which acts as a collateral for the loan taken. This unique and new feature is a boon to many common people and even business people to enhance their business, life and career. There are zero fees for most of the transactions and XCARD provides the best execution rates. In this way, it is a revolutionary project and serves for everyone in day to day basis as payments has become an integral part of our life.

Internalizer
Internalizer is a unique matching engine which provides the users the information about the best fiat prices for the currency they wish to convert to. This internalizer is highly useful in calculating, checking, filtering and updating the information about the conversion and exchange of fiat currency in a faster way which makes it unique in Finance and Cryptocurrency industry.

MBM Token
MBM is the utility token from the XCARD which is the most liquidity token in the XCARD wallet. Special benefits will be offered for the MBM token holders during the issuance of equity so that the holders can get an ultimate experience with the XCARD. MBM tokens are issued to the buyers/purchasers in the Initial Exchange Offers The.users must have certain MBM token to use XCARD and to interact with it. If the users do not have enough MBM tokens for a desired transaction, the corresponding MBM tokens are converted from the user’s existing default wallet which is automatically reserved during a transaction. The users need to have 0.5 per cent of the total transaction value, which the user wish to perform, in the MBM tokens. The total token supply is 640 million MBM tokens and this XCARD project’s aim is to raise 5 million $. The Initial Exchange Offers starts at Q3 2019.

XCARD Team & Roadmap
XCARD’s core team is highly experienced in payment, trading and exchange industry for more than 20 years which makes the team supreme and can help this project to go to higher levels giving the users, the most easy and user-friendly experience thereby making XCARD very disruptive to its competitors in the market.

Conclusion
Since, Cryptocurrencies are spreading across worldwide rapidly and are being adopted in every sector, this unique XCARD project’s aim is to provide hassle-free, safe and fast transactions and exchanges in real time without any limits. XCARD’s key feature is its instant transactions from fiat to cryptocurrency and crypto to fiat currency transactions across the world. The XCARD is available in many forms such as virtual, physical and biometric and the XCARD app will soon be made available on android Google Play store and iOS apple store so that that the users will have a Crypto-world in their pockets. Yes! Get ready to take part in the new and smart way of connecting and making transactions with the world with XCARD.

WEBSITE: http://xcard.io
TELEGRAM: https://t.me/mobilumcom
WHITEPAPER: http://xcard.io/static/XCard-Whitepaper-21082019.pdf
BITCOINTALK: https://bitcointalk.org/index.php?topic=5177945.0
FACEBOOK: http://www.facebook.com/mobilumcom/
TWITTER: https://twitter.com/xcardbymobilum
MEDIUM: https://medium.com/mobilumcom
LINKEDIN: https://www.linkedin.com/company/mobilumcom
YOUTUBE: https://www.youtube.com/channel/UC9Yy1zIpqzMFLSNUN05Nvqw