Mastercard / Fiat24
imToken Card
3.5/10Overall Score
Card Mode
--
Card Type
Debit
Mobile Payments
Google PaySupportedApple PaySupported
About the Project
Fees & Rules
01Spending & Conversion
- Base Transaction Fee
- 0%
- Top-ups Fee
- 1%
- FX Fee
- 0%
- Crypto / Fiat Conversion
- 0%
Card Guide
Overview
imToken is a long-established self-custody wallet whose card is issued with Swiss Fiat24 (SR Saphirstein AG, holding a FINMA Article 1b fintech licence, registration CHE-256.014.995) on the Mastercard network. The account is opened as an NFT on Arbitrum and pairs with a Swiss IBAN holding USD, EUR, CHF and CNH balances. Assets stay in the user's own wallet, and spending draws directly on ETH, USDC, USDT or WBTC held on Arbitrum.
| Item | Details |
|---|---|
| Formats: | virtual only, with Apple Pay, Google Pay, Samsung Pay, Alipay and WeChat Pay support. |
| Tiers: | a standard account plus Premium and Ultimate levels minted with F24 tokens, each cutting top-up fees. |
| Funding assets: | ETH, USDC, USDT and WBTC on Arbitrum. |
| Use cases: | online spending, AI and streaming subscriptions, and SEPA or SWIFT payments in the euro area. |
Benefits
| Item | Details |
|---|---|
| Zero FX: | no conversion fee between USD, EUR, CHF and CNH settlement currencies. |
| Swiss account: | a Swiss IBAN with SEPA and SWIFT payments in and out. |
| Wallet support: | one card works with Apple Pay, Google Pay, Samsung Pay, Alipay and WeChat Pay. |
| Cost control: | onchain settlement runs on Arbitrum, far cheaper per transaction than Ethereum mainnet. |
| Tier discounts: | minting a Premium or Ultimate account with F24 tokens roughly halves the top-up fee. |
| Self-custody: | the account is signed by the user's wallet, so the platform cannot move assets on its own. |
Fees
| Item | Details |
|---|---|
| Issuance: | about 0.001 ETH to mint the account NFT on Arbitrum. |
| Annual and monthly fees: | none. |
| Spending: | no transaction fee. |
| FX: | 0 between USD, EUR, CHF and CNH. |
| Top-up: | 1% on crypto deposits, reducible by upgrading the account with F24 tokens. |
| Refunds: | USD 1, EUR 1, CHF 1 or CNH 7 per refund since 15 May 2026. |
Availability
| Item | Details |
|---|---|
| Supported (38): | much of Europe, the UK and Switzerland, plus Australia, Canada, New Zealand, Japan, South Korea, Singapore, Hong Kong, Taiwan and Malaysia. |
| Not supported: | US residents and sanctioned jurisdictions. |
| Onboarding: | full Fiat24 KYC with an NFC passport scan, face check and home location, after minting the account NFT. |
| Spending limits: | USD 10,000 a day and USD 100,000 a month. |
| Incoming payments: | third-party bank transfers cannot be received. |
| Status: | new applications and crypto top-ups have been paused during Fiat24 maintenance since July 2026, while existing cards keep spending. |