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NNium Stablecoin-backed Cards logo

Nium Stablecoin-backed Cards

Updated: Aug 8, 2026

Nium Stablecoin-backed Cards is an enterprise stablecoin card issuance platform introduced by Nium on March 30, 2026, rather than a Nium-branded retail card that individuals can apply for directly. Crypto exchanges, fintech companies, digital banks, marketplaces, and enterprises can issue white-label Visa or Mastercard cards through a single API. When cardholders make payments, stablecoin balances are converted into fiat currency in the background, while merchants receive payment as a standard bank card transaction. The product is currently in enterprise early access and is primarily confirmed to support USDC.
Submit usage feedback
Confirmed unavailable on App Store
Card network
Mastercard / Visa
Product type
White-label card issuing solution
Card form
Virtual + physical card
Operating status
Invite only
KYC level
Business KYC / KYB
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDC
Last updated
Aug 8, 2026

Official and company information

Issuer identity and company credentials

Nium was founded in 2014, with its headquarters entity being Singapore's NIUM Pte. Ltd., and provides payment, e-money, and card issuance services through licensed affiliated entities in the UK, EU, Singapore, Australia, the US, and other regions. Nium is a direct member of Visa or Mastercard in multiple countries and is listed as the actual card issuer in card terms. Stablecoin funding and conversion services also integrate Coinbase's USDC payment infrastructure; the user-facing brand interface and frontline customer service are typically provided by partner platforms connected to Nium.
Visit website Application page
Company / issuer
Nium
Legal name
NIUM Pte. Ltd.
Registered region
Singapore (SG)
Headquarters
Original新加坡
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Nium Stablecoin-backed Cards connect stablecoin balances to traditional card payment networks. Partner businesses can embed card functions in their own applications, enabling users, employees, contractors, or suppliers to spend stablecoin balances. When a transaction occurs, Nium handles the real-time conversion from stablecoins to fiat, authorisation, and settlement, so merchants do not need to accept or hold cryptocurrency. The platform connects to both Visa and Mastercard and can be used for corporate expense management, employee travel, supplier payments, SaaS subscriptions, and spending platform balances. Nium's general card-issuing infrastructure supports virtual cards, physical cards, spending restrictions, merchant-category controls, and digital wallets. However, the specific card design, fees, limits, card form, and user eligibility depend on the partner business, issuing region, and card network approval. The product currently accepts corporate applications through “Get early access” and does not provide a direct account-opening or application channel for individuals.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Nium Stablecoin-Backed Card Issuing
Card formVirtual + physical card
Fees
Monthly fee
0 USD
Not disclosed; enterprise contract pricing
Card issuance fee
0 USD
Not disclosed; enterprise contract pricing
ATM fee—
Foreign exchange fee—
Top-up fee—
Failed transaction fee—
Rewards
Cashback—
Crypto cashback—
Staking rewards—
Staking APR—
Welcome bonus—
Referral bonus—
Limits
Daily spending limit—
Monthly spending limit—
ATM withdrawal limit—
Card network

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

34
IcelandISLiechtensteinLISwedenSEAustriaATLatviaLVEstoniaEERomaniaROSlovakiaSKSpainESLuxembourgLUCzechiaCZCyprusCYFinlandFISloveniaSIFranceFRAustraliaAUUnited KingdomGBGermanyDEItalyITBulgariaBGUnited StatesUSPortugalPTPolandPLLithuaniaLTIrelandIESingaporeSGCroatiaHRMaltaMTNorwayNOGreeceGRNetherlandsNLDenmarkDKHungaryHUBelgiumBE
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

4
ChinaCNTaiwanTWMacaoMOHong KongHK
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

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。

Updated: Jul 28, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Business KYC / KYBRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card / Driver's license / Utility bill / Bank statement / Lease agreement / Certificate of incorporation / Register of directors / Register of shareholders

Review time / regional limits

Basic cases start processing within two days; missing documents, complex shareholding, and enhanced due diligence extend review.

KYC provider

Onfido, Jumio

Updated

Jul 28, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedJul 28, 2026

Wallet payments

Alipay

Supported

Jul 28, 2026

Wallet payments

Apple Pay

Supported

Jul 28, 2026

Cash services

ATM withdrawal

Supported

Jul 28, 2026

AI tools

ChatGPT

Supported

Jul 28, 2026

AI tools

Claude

Supported

Jul 28, 2026

Wallet payments

Google Pay

Supported

Jul 28, 2026

AI tools

Midjourney

Supported

Jul 28, 2026

In-person payments

Offline POS

Supported

Jul 28, 2026

Online shopping

Online shopping

Supported

Jul 28, 2026

Wallet payments

PayPal

Supported

Jul 28, 2026

Subscriptions

Subscription payment

Supported

Jul 28, 2026

Wallet payments

WeChat Pay

Supported

Jul 28, 2026

User reviews

Showing 6 approved reviews matched to this card

Newest first
Marina Pinestrustpilot★ 1 / 5

Significant Time, Significant Cost, No Successful Launch

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.
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Bela Maniartrustpilot★ 1 / 5

Never take this Card

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.
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Anonymous Business Ownertrustpilot★ 1 / 5

Horrible Customer Experience

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.
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George Ctrustpilot★ 1 / 5

Absolutely terrible

Company is the slowest and most unreliable when it comes to moving money.
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mohamed ismailtrustpilot★ 1 / 5

I not suggest to make deal with this…

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
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Consumertrustpilot★ 1 / 5

Truffa

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 .
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Risk factors

Updated: Jul 28, 2026

No risk factors are available