最近更新：2026/09/15
Nium Stablecoin-backed Cards 是 Nium 于 2026 年 3 月 30 日推出的企业级稳定币卡发行平台，不是面向个人直接申请的 Nium 品牌零售卡。加密交易所、金融科技公司、数字银行、市场平台和企业可通过单一 API 发行 Visa 或 Mastercard 白标卡。持卡人付款时，稳定币余额在后台转换为法币，商户仍按普通银行卡交易收款。当前产品采用企业早期访问模式，主要确认支持 USDC。
Nium Stablecoin-backed Cards 将稳定币余额与传统银行卡支付网络连接。合作企业可在自身应用内嵌入卡片功能，由用户、员工、承包商或供应商使用稳定币余额消费；交易发生时，Nium 处理稳定币到法币的即时转换、授权和结算，商户不需要接受或持有加密货币。 该平台同时接入 Visa 和 Mastercard，可用于企业费用管理、员工差旅、供应商付款、SaaS 订阅及平台余额消费。Nium 的通用发卡基础设施支持虚拟卡、实体卡、消费限制、商户类别控制及数字钱包，但具体卡面、费用、限额、卡片形态和用户资格由合作企业、发行地区及卡组织审批结果决定。产品目前仍通过“Get early access”接受企业申请，不存在个人直接开户或申请入口。
比较不同卡片形态与等级的真实费用记录
N Nium Stablecoin-Backed Card Issuing | |
|---|---|
| 卡片类型 | 虚拟卡+实体卡 |
| 费用 | |
| 月费 | 0 USD 未公开，企业合同定价 |
| 开卡费 | 0 USD 未公开，企业合同定价 |
| ATM 取现费 | — |
| 货币转换费 | — |
| 充值费 | — |
| 交易失败费 | — |
| 奖励 | |
| 返现 | — |
| 加密货币返现 | — |
| 质押奖励 | — |
| 质押年利率 | — |
| 欢迎奖金 | — |
| 推荐奖金 | — |
| 限制 | |
| 每日支出限额 | — |
| 每月支出限额 | — |
| ATM 取款限额 | — |
| 卡片网络 |
费用可能因地区、卡片等级和官方政策变化，请以最新官方资料为准。
以下按地区申请状态整理公开资料、官方政策和用户反馈，不构成办卡建议。
支持申请或可正常开卡使用
34条
不支持或受限开户/功能
4条
资料不足，状态待确认
0条
暂无记录
我们正在持续更新中
1、中国大陆：中国大陆：不可在当地申请；境外合作方发行的合资格卡可在受理商户使用，并可按国际卡规则绑定微信支付和支付宝。
2、香港：不可申请，官方明确当前不提供香港稳定币卡；境外合作方发行的卡可按 Visa 或 Mastercard 受理规则使用。
3、澳门：不可在当地申请；境外合作方发行的合资格卡可在接受 Visa 或 Mastercard 的线上及线下商户使用。
4、台湾：不可在当地申请；境外合作方发行的合资格卡可在接受 Visa 或 Mastercard 的商户和订阅平台使用。
开户前需完成身份验证，以下为当前核验要求与限制说明
是否需要 KYC
是
KYC 等级
企业 KYC / KYB
居住证明
需要
护照、国民身份证、驾驶执照、水电费账单、银行账单、租赁协议、公司注册证书、董事名册、股东名册
基础案件通常在两日内开始处理，补件、复杂股权和增强尽调会延长审核
Onfido、Jumio
2026/07/29
查看各类支付场景的支持状态及更新时间，便于您快速了解当前可用性。i
兼容性概览
共 12 项场景支持
12项
不支持
0项
数据更新时间
2026/07/29
钱包支付
更新时间 2026/07/29
钱包支付
更新时间 2026/07/29
现金服务
更新时间 2026/07/29
AI 工具
更新时间 2026/07/29
AI 工具
更新时间 2026/07/29
钱包支付
更新时间 2026/07/29
AI 工具
更新时间 2026/07/29
线下支付
更新时间 2026/07/29
线上购物
更新时间 2026/07/29
钱包支付
更新时间 2026/07/29
订阅服务
更新时间 2026/07/29
钱包支付
更新时间 2026/07/29
基于已核实记录写成的产品评测，结论与更新时间一并列出。
暂无深度评测
这张卡片还没有发布评测。发布后会出现在这里，并在上游数据变化时标记为待更新。
经核实并发布的卡片变化记录，按发生时间排列。
地区政策变化：香港。
升级 Pro 可查看完整历史、变化前后值与全部来源。查看完整时间线
已展示全部 6 条已批准入库、并已匹配当前卡片的评论
My experience with Nium was disappointing and ultimately very costly. My company spent more than a year integrating with Nium's platform. During that time, we encountered repeated onboarding delays, technical issues, inconsistencies between testing and production environments, documentation challenges, and extended response times. Despite continued engagement with Nium's technical and management teams, we continued development in reliance on the relationship and invested significant time and money into the integration. In October 2025, Nium suspended and then terminated our access to its platform. We subsequently filed an arbitration claim seeking recovery of approximately $70,000 in documented development and integration costs. After a lengthy arbitration process, the arbitrator ruled in Nium's favor on the contract claims, and I respect the outcome even though I disagree with it. However, there are a few facts that prospective customers should know: • Nium sought approximately $40,000 in attorney's fees from us during the arbitration. • The arbitrator denied Nium's request for attorney's fees in its entirety. • The arbitrator specifically found that we did not act in bad faith in bringing the case. My takeaway is that prospective customers should carefully evaluate Nium's technical readiness, onboarding process, responsiveness, documentation quality, and long-term commitment to the relationship before investing significant development resources. Based on my experience, substantial time, effort, and expense can be incurred before a platform is fully operational, and businesses should ensure they are comfortable with that risk before proceeding. This was my experience. Others may have different experiences.
Never take this Card because this card is not accepted many of the places or restaurant and ATM withdrawal has charged many of the ATM. Site of the card has not shown transaction on Mobile immediately.
Relay recently switched to using NIUM as its partner for international payments. NIUM has taken over 2 months to review business applications to receive international payments on its platform. In that time, countless businesses like mine have been unable to invoice their international clients. I went into this year with my main source of revenue being a contract with a UK-based client. I haven't been able to invoice them for 3.5 months' worth of work. That's thousands and thousands of dollars in backed-up revenue, directly impacting my small business's liquidity and threatening its viabiliity. I don't have direct contact with NIUM, but if this is how they handle an integration with a major business opportunity like international payments for Relay, I can't imagine how they handle one-off issues. I'd give negative stars if I could.
Company is the slowest and most unreliable when it comes to moving money.
I not suggest to make deal with this company because I send many time emails and i try to connect with anyone working in this company on the LinkedIn they look my email not response is this real company and there is no contact number to make call
Truffa ! Ti aprono il conto dopo tutte le verifiche , ti fanno pagare per l’apertura e poi al primo pagamento ti bloccano i fondi senza motivo ( nel mio caso 560.000 Euro ) e poi non rispondono ne danno motivazioni . Sto attuando una causa legale nei loro confronti per gli ingenti danni creati alla mia azienda .
更新时间：2026/07/29
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