Card database / Mastercard / Visa / White-label card issuing solution

Nium Stablecoin-backed Cards

Updated: Sep 20, 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.

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Card network
Product type: White-label card issuing solution
Card form: Virtual + physical card
Operating status: Active
KYC level: Business KYC / KYB
Commercial relationship: No commercial relationship
Risk score: 70-79

Supported assets: USDC
Last updated: Sep 20, 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: Singapore
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

This product is part of Nium’s global card issuance platform, enabling enterprise clients to launch their own stablecoin-backed card programs via a single API and embed these cards into exchanges, wallets, fintech applications, corporate expense management systems, or platform payment workflows. While end-users establish account relationships with the specific partner platform, Nium handles the underlying card issuance, compliance, fund conversion, and payment network settlement. Stablecoin balances serve as the funding source or collateral for the card program; upon transaction, Nium manages the backend conversion between crypto assets and fiat payment systems, ensuring merchants receive fiat currency. Although the product has officially launched and is expanding, access is restricted to enterprise clients—requiring business engagement, compliance vetting, and system integration—and it is not a public card product available for direct application by individuals.

Mastercard / Visa card experienceRegional availabilityTerms may change

Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

	NNium Stablecoin-Backed Card Issuing
Card form	Virtual + 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 language support

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

IcelandISLiechtensteinLISwedenSEAustriaATLatviaLVEstoniaEERomaniaROSlovakiaSKSpainESLuxembourgLUCzechiaCZCyprusCYFinlandFISloveniaSIFranceFRAustraliaAUUnited KingdomGBGermanyDEItalyITBulgariaBGUnited StatesUSPortugalPTPolandPLLithuaniaLTIrelandIESingaporeSGCroatiaHRMaltaMTNorwayNOGreeceGRNetherlandsNLDenmarkDKHungaryHUBelgiumBE

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

ChinaCNTaiwanTWMacaoMOHong KongHK

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，Nium does not offer this as a direct consumer card; U.S. users can only receive a stablecoin-backed card through an approved platform or business whose card program covers their location, while a legally issued card can be used in the United States.

2. United Kingdom：Cannot apply，Can use，UK residents cannot apply directly to Nium and must obtain the card through an approved partner program whose issuance territory includes them; a legally issued card can be used in the UK.

3. Canada：Cannot apply，Can use，Nium has no direct retail application for this product, so Canadian residents need a participating platform whose card program supports Canada; an eligible card issued through such a program can be used locally.

4. Australia：Cannot apply，Can use，Australian residents cannot request the card directly from Nium and must receive it through an approved platform program operating in Australia; a legally issued card can be used locally.

5. South Africa：Cannot apply，Can use，Nium does not provide a standalone consumer application in South Africa, so issuance depends on whether a partner’s card territory includes the resident; an existing eligible card can be used locally.

6. New Zealand：Cannot apply，Can use，New Zealand residents cannot apply directly to Nium and need an approved partner program that supports their location; once legally issued through that program, the card can be used in New Zealand.

7. Ireland：Cannot apply，Can use，Irish residents cannot obtain the card directly from Nium and must use a partner program whose card territory covers them; a legally issued card can be used in Ireland.

Updated: Sep 15, 2026

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

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

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 6 approved reviews matched to this card

Newest first

Marina Pinestrustpilot★ 1 / 5Jun 24, 2026

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 / 5Mar 22, 2026

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 / 5Mar 10, 2026

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 / 5Jun 20, 2025

Absolutely terrible

Company is the slowest and most unreliable when it comes to moving money.

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mohamed ismailtrustpilot★ 1 / 5Feb 1, 2025

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 / 5Nov 7, 2023

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

Frequently asked questions

Answers drawn from the published record on this page.

Does Nium Stablecoin-backed Cards require KYC?

Our record lists the Nium Stablecoin-backed Cards verification requirement as: Business KYC / KYB. Document and review details are in the KYC section of this page.

Does Nium Stablecoin-backed Cards support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Nium Stablecoin-backed Cards with?

Our record lists Nium Stablecoin-backed Cards support for: USDC.

Is Nium Stablecoin-backed Cards a virtual or a physical card?

Nium Stablecoin-backed Cards is offered as: Virtual + physical card.

Where is Nium Stablecoin-backed Cards available?

Our record lists 34 countries or regions as available and 4 as restricted. Country-by-country status is in the regions section of this page.

Who issues Nium Stablecoin-backed Cards?

Nium Stablecoin-backed Cards is operated by Nium on the Mastercard / Visa network.