Banking
Currency
Security
The future
The card
Yield
is
.
Get paid, spend, and send money in any currency - in seconds, from 0.25% FX. Mine never custodies your funds.
One app.
Five rails.
- 01 / Capabilities
One app. Five rails.
One app.
Five rails.
Rails.
Five rails.
One signature.
Yours.
One app. Five rails.
Hold USD and EUR. Get paid locally - USD ACH, EUR SEPA, GBP Faster Payments, and more.
Mastercard. Spend any balance, anywhere. Apple Pay and Google Pay from day one.
To a bank, a mobile wallet, or another user. Cheaper, faster, every time.
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.
Swiss-engineered, blockchain-native. Built under Switzerland's rule of law.
INVESTMENTS ARE .
The. Bank. Is. .
Five rails, one app. Get paid locally, spend with a Mastercard, send anywhere, buy crypto and stocks, earn 5% - 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. 0.5% FX. 2% back. Apple Pay and Google Pay from day one - yours from the first tap.
Get paid locally.
Settled to USD or EUR.
USD ACH. EUR SEPA. GBP Faster Payments. PIX, SPEI, M-Pesa and more. Get paid like a local - Mine settles it into your USD or EUR balance.
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.
Get paid locally.
Settled to USD or EUR.
USD ACH. EUR SEPA. GBP Faster Payments. PIX, SPEI, M-Pesa and more. Get paid like a local - Mine settles it into your USD or EUR balance.
Find anyone
on Mine.
- 01Sync your contacts.
- 02Pick your handle.
- 03Send instantly worldwide.
The industry-low
ramp. Yours.
USD ↔ USDC and EUR ↔ EURC for $0.90 flat - no spread, no markup, no FX games. The dollar stays a dollar. The euro stays a euro. Settles on-chain from three seconds.
| Wise / Revolut | Coinbase / MoonPay | Western Union | Mine | |
|---|---|---|---|---|
| Custody | They hold it | They hold it | They hold it | You hold it |
| Stablecoin ramp | n/a | 1.5–4% | n/a | $0.90 flat |
| Remittance to family | 0.4–1% | n/a | 5–8% | 0.25% Premium |
| Card FX | 0.4–1% | n/a | n/a | 0.5% Premium |
| Settles | Hours | Minutes | Minutes to days | From 3 sec |
Dollars to USDC. Dollars to pesos. USDC to euros. All .
On-ramp from $0.90. Off-ramp from $0.90. Send to 80+ countries on local rails - SPEI, PIX, UPI, M-Pesa. The dollar stays a dollar; the peso stays a peso; the USDC stays USDC.
See how Mine movesDIFFERENT LIVES. SAME .
Get paid in USD, EUR, GBP and more. Stop losing 5–10% to bank FX on every invoice.
Bank, mobile money, or another mine user.
Get paid from anywhere. Spend with one card. Skip the airport bureau.
Self-custody by default. Start with $5.
Free forever.
Premium when
you’re ready.
- USD & EUR accountUSD·EUR
- Virtual Mastercard (175 countries)Free
- Card FX1.5%
- Send USDCFree
- Send funds (FX markup)0.99%
- Trading (crypto + stocks)1.25%
- Monthly limit$5,000
- Virtual accounts1 incl.
PREMIUM
- Everything in Basic-
- Physical + virtual card0.5% FX
- Cashback2%
- Trading (crypto + stocks)0.5%
- Monthly limit$50,000
- Virtual accounts1 incl.
- Priority supportYes
- Everything in Basic-
- Send funds (FX markup)0.25%
- Trading (crypto + stocks)0.5%
- Card FX1.5%
- Virtual accounts3 incl.
- Priority supportYes
The honest
answers.
Where does my money actually live?
In your wallet. Mine is non-custodial. Your balances are USDC and EURC - your USD and EUR - issued by Circle and backed 1:1. You hold the keys; Mine never can.
Which countries can I get paid from and send to?
You hold USD and EUR. Get paid (pay-in) from the corridors tagged In, and send (pay-out) to those tagged Out. New corridors are added regularly.
No matches.
How cheap is on- and off-ramping to crypto?
USD ↔ USDC and EUR ↔ EURC are 1:1 with a flat $0.90 fee and no spread - the cheapest ramps on the market, the same price whether you move $50 or $50,000. Every other pay-in and pay-out corridor is hyper-competitive: real mid-market rates and a small, transparent margin - never a hidden spread.
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 chosen balance at 0.5% (Premium) or 1.5% (Basic).
Do I need to know anything about crypto to use Mine?
No. Stablecoins are under the hood. The app shows dollars, euros, pounds. The currencies you actually spend.
How does Mine compare to Wise or Revolut?
Wise and Revolut custody your money. Mine does not. Your balance is USDC in your own wallet, with an account number and a Mastercard layered on top. Same speed, same rails, same card acceptance, but the bank cannot freeze what it does not hold.
Is Mine licensed?
Mine is operated by DeFi Suisse AG in Switzerland. The Mastercard is issued by Unblock Atomo SARL, an EEA-licensed e-money institution in Luxembourg. USDC is issued by Circle Internet Financial.
How does Mine make money?
A flat $0.90 on stablecoin ramps. A small markup on cross-currency send and card spend - 0.25% and 0.5% on Premium. Monthly subscriptions for Premium tiers. No hidden FX, no order-flow payments, no surprise spreads. The full pricing fits on one page.
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?
Yes - for the card and the rails. The Mastercard is accepted at every US merchant that takes Mastercard, online and in-store. USD ACH lets you receive dollars like a local US bank account. Off-ramping USDC back to a US bank uses ACH.
Are there transaction limits?
Basic: $5,000 per month. Card Premium: $50,000. Accounts Premium adds higher send and receive limits, plus priority payout. Free tier covers most personal use; Premium covers freelance and remittance flows comfortably.
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.