Banking
Currency
Security
The future
The card
Yield
is
.
A real IBAN in your name, in francs and euros. A balance in digital dollars only you control. A card that works in 175+ countries. Mine never custodies your funds.
Yours.
Your personal IBAN in CHF and EUR. Money that arrives settles as USDC in your wallet.
Mastercard. Spend your balance anywhere - Apple Pay and Google Pay from day one.
To another user, to any IBAN, or to any wallet. Instant and free between Mine users.
Opt-in, non-custodial yield via Aave V3. Off by default. Your call.
Buy crypto. Buy tokenized stocks. Swap. Settled to your wallet, not ours.
Independence
is
.
A money app with global card built on stablecoin rails. You hold the keys.
Times Mine custodies your funds. Self-custody is the default - not a setting.
Issued by Circle. Backed 1:1 by US dollars and short-dated treasuries. Audited monthly.
A Swiss IBAN in your own name. Swiss-engineered, built under Switzerland's rule of law.
INVESTMENTS ARE .
Five things, one app. An IBAN in your name, a Mastercard, three ways to send, crypto and stocks, 5% yield - yours from the first tap.
Buy stocks & crypto in three taps.
No exchange to open. No wire to fund. No “wallet address” anywhere on screen. Tap, confirm, done - settled to a wallet only you control.
Your Mastercard.
No top-up fee.
Mastercard. 175 countries. Apple Pay and Google Pay from day one - yours from the first tap.
Your IBAN.
Your name.
Share your CHF or EUR IBAN like any bank account. What arrives settles as USDC - digital dollars in a wallet only you control.
Find anyone
on .
- 01Sync your contacts.
- 02Pick your handle.
- 03Send instantly worldwide.
Your Mastercard.
Readable statement.
Freeze, view PIN, set limits, top up. Every charge shows merchant, category, and where. Available in 175 countries.
Your IBAN.
Your name.
Share your CHF or EUR IBAN like any bank account. What arrives settles as USDC - digital dollars in a wallet only you control.
Find anyone
on Mine.
- 01Sync your contacts.
- 02Pick your handle.
- 03Send instantly worldwide.
DIFFERENT LIVES. SAME .
Invoice in euros or francs. Get paid on your own IBAN. Keep custody of every cent.
Live anywhere. Spend anywhere with one card. A balance no bank can freeze.
Buy crypto and stocks. You hold the keys. Start simple.
One fee.
Then it’s Mine.
- Card typeVirtual Mastercard
- Cashback—
- Card top-up fee0%
- Monthly limit$125,000
- SupportStandard
- Coverage175+ countries
- Card typePhysical + virtual
- Cashback0.5% USDC
- Card top-up fee0%
- Higher limitsIncluded
- SupportPriority
- Coverage175+ countries
Three codes.
Choose wisely.
Mine is invite-only. Every member holds three codes - no waitlist, no queue. Your code cuts your friend’s price on the spot:
Invites are personal and may be revoked for abuse. The Virtual card is free with a valid code, otherwise $5 one-off; Premium is $124 one-off, 20% off with a code. Rewards for inviting members are in development.
Where the card
is available.
Onboarding follows AML rules. Green countries open normally, orange need extra verification, and red aren’t served yet.
No matches.
The difference
is custody.
Your first 500 francs or euros convert to USDC free. No spread games, no percentage taken off the top - and the balance is yours, not ours.
| Wise / Revolut | Coinbase / MoonPay | Mine | |
|---|---|---|---|
| Custody | They hold it | They hold it | You hold it |
| IBAN in your name | Yes | No | Yes - CHF & EUR |
| Fiat → stablecoin | n/a | 1.5–4% | First 500 free |
| Card | Yes | Limited | Mastercard, 175+ countries |
| Can freeze your balance | Yes | Yes | No - they can’t hold what they don’t have |
The honest
answers.
Where does my money actually live?
In your wallet. Mine is non-custodial. Your balance is USDC - digital dollars issued by Circle and backed 1:1 by US dollars and short-dated treasuries. You hold the keys; Mine never can.
What is an IBAN and why do I get one?
An IBAN is the account number banks use to send money. Mine gives you one in your own name, in CHF and EUR. Anyone can pay you on it - your employer, a client, your own bank. What arrives converts to USDC in your wallet.
What does converting cost?
Your first 500 francs or euros convert free - no fee, no spread. It is a lifetime allowance; after that, pricing is transparent and shown in the app before you confirm.
What happens if Mine shuts down?
Your funds keep working. Because the wallet is yours, you can move them with any compatible app. Mine going away does not freeze your money. That’s the point.
How does the Mine card work in 175 countries?
It’s a Mastercard issued by Unblock Atomo SARL in the EEA. Tap it anywhere Mastercard is accepted - Mine converts from your USDC balance at the moment of purchase, at a rate you can see.
Do I need to know anything about crypto to use Mine?
No. Your IBAN works like any bank account. The app shows your balance in digital dollars. Crypto and stocks are there when you want them - opt in, never forced.
How does Mine compare to Wise or Revolut?
Wise and Revolut hold your money. Mine does not. Your balance is USDC in your own wallet, with a real IBAN and a Mastercard layered on top. Same speed, same card acceptance - but nobody can freeze what they do not hold.
Is Mine licensed?
Mine is operated by EMM Ventures AG in Switzerland. The Mastercard is issued by Unblock Atomo SARL, an EEA-licensed e-money institution in Luxembourg. IBAN and conversion services are provided by a regulated Swiss financial intermediary. USDC is issued by Circle Internet Financial.
Who can open an account?
Most of the world. The account and IBAN are not available to US persons or Russian citizens (regardless of where you live), or to residents of a small list of restricted countries - check yours below. The Mine card has its own availability list, which includes the US.
How does Mine make money?
Transparent conversion pricing above your free allowance. A small markup on card FX. Monthly subscriptions for Premium tiers - full pricing announced soon. No hidden FX, no order-flow payments, no surprise spreads.
What if I lose my phone or my seed phrase?
The phone is replaceable. The seed is the keys. Recover with email, password, 2FA - and an optional encrypted backup to iCloud or Google Drive. Without those backups the funds stay yours, but only the seed can reach them; Mine cannot recover it for you. That’s what non-custodial means.
Can I use Mine in the United States?
The card, yes - fully. It is a Mastercard accepted at every US merchant, online and in-store. The account, IBAN and conversion services are not available to US persons.
Are there transaction limits?
Basic: $125,000 per month on the card. Premium tiers add higher limits and priority payout - full details announced soon.
What’s the actual risk on the 5% Earn?
Earn routes opt-in funds to Aave V3 - a non-custodial, audited DeFi lending protocol. Risk lives in the smart contract, not with Mine; there’s no counterparty taking your deposits. Yield comes from on-chain borrowers paying interest. Off by default. Switch on or off at any time.