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Card-issuing rail · 3 cards

What is Monerium?

Monerium is an Icelandic e-money institution that issues EURe — regulated e-money directly on-chain. In card terms it is the rail that lets a card spend straight from a Safe or self-custody wallet: your EURe balance is the card balance, no custodial top-up needed.

EMI licensed by the Icelandic FSA, passported across the EEA3 cards on this rail

Same-rail KYC: if you've already completed identity verification on one card powered by Monerium, onboarding another card on the same rail is usually lighter — the compliance record sits with the issuer, not the app.

Crypto cards powered by Monerium

Every card in our database issued on this rail — including ones you'd never guess share the same back-end.

Pros of Monerium

  • Genuine on-chain e-money — the card spends your wallet balance
  • IBAN support means normal bank transfers fund the card
  • Regulated e-money, not a wrapped stablecoin

Cons of Monerium

  • EURe liquidity and acceptance still a niche versus USDT/USDC
  • Europe-focused — limited value for non-EU users
  • On-chain settlement adds gas costs to top-ups

Frequently asked questions

What is Monerium?
Monerium is the regulated entity that actually issues the card — it provides the banking licence, BIN range and settlement plumbing while the crypto brand supplies the app and funding mechanism. If your card "just works", it's Monerium doing the regulated part.
If I did KYC on one Monerium card, is it faster on another?
Often yes — the compliance record lives with the issuer, so onboarding a second card on the same rail is frequently lighter-touch than starting fresh on a different one. Approval is never guaranteed, but the prior relationship helps.
What happens if Monerium loses its licence or goes down?
Every card on the rail is affected at once — that's the hidden concentration risk of shared infrastructure. If a rail stops operating, partner programmes usually migrate cardholders to a replacement issuer, but there can be an interruption.
Are cards on the same rail identical?
No. The rail supplies the licence and the plumbing; the front-end brand decides fees, limits, rewards and KYC depth. Two cards on Monerium can have very different terms — compare the cards, not just the issuer.

Other card-issuing rails