最近更新：2026/09/20
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。
USDC该产品属于 Nium 全球发卡平台的一部分，企业客户通过单一 API 建立自己的稳定币卡计划，并将卡片嵌入交易所、钱包、金融科技应用、企业支出或平台付款场景。终端持卡人与具体合作平台建立账户关系，而 Nium 负责底层发卡、合规、资金转换及支付网络结算。稳定币余额作为卡计划的资金或担保基础，交易发生后由 Nium 在后台处理加密资产与法币支付体系之间的转换，商户端仍收到法币。该产品目前已正式推出并持续扩展，但获取路径面向企业客户，需要商务接洽、合规审核及系统集成，不属于个人可直接申请的公开卡产品。
这张卡片暂时没有可展示的使用规模数据。数据补充后会在这里显示。
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
查看这张卡片的编辑评测、结论和最近更新时间。
暂无深度评测
这张卡片暂未发布评测；发布后会显示在这里。
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 7 条已批准入库、并已匹配当前卡片的评论
My Experience with Nium – A Serious Concern for Businesses Trust, referrals and references are extremely important in any business, particularly in remittance and foreign exchange, where companies are handling other people’s hard-earned money. I initially approached Nium because they appeared professional and promising. We discussed establishing a business relationship, and I was told that any volume commitment would come after we had successfully tested the service and started processing transactions. However, this was not explained clearly or consistently. The biggest problem started when Nium could not successfully send funds to my payout partner. I followed up several times and even visited their office personally to resolve the issue. Unfortunately, the meeting did not produce any solution, as I was told that their technical team was not available. I left the office without any meaningful resolution. At that point, I lost confidence in the company and decided not to proceed. I subsequently found another provider that was able to process my transactions smoothly, and I continue to use that company. Despite not receiving the expected service, Nium later began sending me invoices. I questioned why I was being asked to pay invoices when I had not received the services or successfully processed transactions with them. Another Nium manager then contacted me repeatedly and asked to meet. Despite my busy schedule, I agreed to meet him. During that meeting, he assured me that he would arrange a new contract, personally support the relationship and closely monitor my transactions. He also explained that he needed to demonstrate activity to his senior management and strongly encouraged me to give Nium another opportunity. Although I was already successfully working with another provider, I agreed to give Nium another chance in good faith. Based on his assurances, I loaded approximately AUD 21,000 into my Nium account for transactions. Then, only a few days later, Nium deducted the money from my account against the invoices. I immediately went back to the manager who had encouraged me to proceed. His response was that he had tried to help me, but the decision to deduct that money was not his decision and that he would have told me if he had known about it. This was extremely disappointing. If a manager tells a customer that he will personally handle the relationship and support the transactions, the customer naturally expects those commitments to mean something. I subsequently attempted to contact other members of management to resolve the matter, but I did not receive the resolution I expected. My concern is therefore not simply about the amount of money involved. It is about trust, communication, accountability and whether a business stands behind the commitments made by its representatives. I have retained the relevant correspondence, invoices, transaction records and other supporting evidence. I intend to raise the matter with the appropriate Australian regulatory and dispute-resolution bodies, including AFCA, ASIC and AUSTRAC, where appropriate. I am sharing my experience because I do not want another business to enter into an arrangement without fully understanding the terms, particularly around volume commitments, trial periods, fees and the circumstances in which funds may be deducted. There are many Australian companies and payment providers available, so businesses should take the time to research their options and choose a provider that is transparent, accountable and able to support their specific payment requirements. My advice is simple: do not rely solely on verbal promises or become locked into commitments before the service has actually been tested successfully. In my experience with Nium, when I raised issues with the local management team, I was repeatedly left with the impression that important decisions were controlled from overseas, while the local managers were unable to resolve the matter. For me, that lack of accountability was a major reason why I lost trust. Please do your own research, seek independent references and compare Australian providers before committing your money or transaction volume. There are many options available—don’t put your business at risk based solely on promises made during the sales process. In remittance and foreign exchange, trust is everything—and once trust is lost, it is very difficult to rebuild.
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
暂无风险因素
以下回答整理自本页已发布的卡片记录。
我们记录的 Nium Stablecoin-backed Cards 认证要求为：企业 KYC / KYB。证件和审核细节见本页「KYC 要求」。
Apple Pay：支持；Google Pay：支持。
我们记录到 Nium Stablecoin-backed Cards 支持：USDC。
Nium Stablecoin-backed Cards 提供：虚拟卡+实体卡。
我们记录到 34 个国家或地区可用、4 个受限。逐个国家的状态见本页「地区和语言支持」。
Nium Stablecoin-backed Cards 由 Nium 运营，卡组织为 Mastercard / Visa。
