THORWallet card
by EMM Ventures AG
THORWallet Mastercard is a virtual-only, non-custodial debit card powered by the Swiss protocol Fiat24. It provides a Swiss IBAN and operates on the Arbitrum network. Users mint an NFT (Standard, Gold, or Platinum) which represents their bank account ownership. The high 'sign-up fees' (in ETH) for higher tiers are the cost to mint the premium Fiat24 Account NFTs. To spend, the user must 'top up' by swapping crypto via the Fiat24 smart contract. This swaps the crypto into 'fiat tokens' (e.g., EUR24, USD24) held in the user's wallet. The Mastercard then spends these fiat tokens directly.
$25 Sign up + top up bonus
Unique Features
- Bank account ownership via NFT
- Swiss IBAN integration within a DeFi wallet
- Arbitrum Layer 2 settlement
Pros
- True non-custodial banking (Account is an NFT)
- Swiss IBAN included
- High limits for bank transfers on upper tiers
- No monthly maintenance fees
- Integrated with Arbitrum for low gas fees
Cons
- No physical card available (Virtual only)
- Very high entry cost for Gold/Platinum tiers (paid in ETH)
- No direct cashback on card spending
- Standard tier top-up fee is 1% (higher than some competitors)
Integrations & Tech
Available In (66)
Tier Comparison
Standard
0% CashbackFee Structure
Detailed Fee Structure
Tiered: 1% Standard, 0.5% Gold, 0.25% Platinum
Detailed Limits
Fee Details
The primary fee is a 'Crypto Top-up & FX Fee' applied when converting crypto to fiat to load the account. This fee is tiered: 1% (Standard), 0.5% (Gold), 0.25% (Platinum). Bank wire top-ups are free.
Limits & Conditions
Limits are significantly higher for bank transfers than card spending. Standard Tier: Bank Limit $100,000/mo, Card Limit $20,000/mo. Gold Tier: Bank Limit $1,000,000/mo, Card Limit $200,000/mo. Platinum Tier: Bank Limit $10,000,000/mo, Card Limit $200,000/mo.
Crypto Capabilities
Security & Custody
Supported Assets
