Mobilum - The Platform and Payment Token | Pay anywhere, any cryptocurrency, any payment card
Mobilum in a Nutshell
Mobilum is the missing bridge between crypto and fiat currencies.
It's simple as that.
Mobilum directly connects every cryptocurrency with any payment card, regardless of the issuing provider:
MasterCard, MIR, UnionPay, JCB, Visa, Diners' Club, Discover, AMEX, Belkart – you name it – we have it.
Thus, Mobilum is the missing puzzle piece that cryptocurrency holders and users have been waiting for. It makes
life easy for everyone who spends money in any digital currency.
· Spend your coins and tokens with any card, online & offline.
· Benefit from the best cryptocurrency exchange rates using Mobilum Token.
· Send money from Mobilum App in 30+ currencies to 150+ countries – free & in real-time, with instant
spending availability for the recipient.
· Sign up via Mobilum App in less than 1 minute.
Our mission is to connect fiat currency and cryptocurrency in real-time, decreasing the total cost of each
transaction and guaranteeing the most favourable execution.
To accomplish this – and on the way enhance liquidity in the cryptocurrency markets – we have created a platform
via which every credit card holder can use any blockchain asset to settle a payment.
In short: Mobilum – in contrast to previous providers of similar services – directly connects every cryptocurrency
with any payment card, regardless of the issuing entity.
Key to our solution is the Mobilum Token, MBM – a truly liquid token that enables instant exchange from any
cryptocurrency to any fiat currency in real-time.
MBM is assisted by a mobile wallet application – the Mobilum App.
MBM are a uility token based on the well-established ERC20 standard on the Ethereum Blockchain, expertly
designed to work in the Mobilum ecosystem and product line.
MBM Token – your benefits:
Convenient spending with Mobilum Wallet
Redeemable with any payment card
How Mobilum works:
The Mobilum Wallet will enable you to create a link between your crypto funds and the IBAN account of your
preferred credit/debit card.
Whenever you use the credit/debit card, the Mobilum Platform will determine the best execution price for each
pair (your cryptocurrency to chosen fiat currency) and will exchange your cryptocurrency to fiat currency. One
Mobilum Token is used to process this transaction. The cryptocurrency is used as a collateral and you receive the
fiat money in express/real-time at your preferred card account.
The Mobilum Platform then settles the transactions on the accounts in real-time, ensuring best execution price for
any given currency pair. It is a form of a fiat currency loan by Mobilum and express card top up.
Mobilum Wallet and Platform will accept the following cryptocurrencies:
Ethereum Classic (ETC)
+ Every major (top 100) currencies and tokens in Q1 2019
Mobilum Wallet and Platform will accept the following fiat currencies
The Mobilum Wallet is a multi-asset blockchain wallet that is secure, insured, allows the purchasing and selling of
digital assets, and is able to connect to IBAN accounts to settle wire transfers.
The user can conveniently convert a wide range of blockchain assets such as BTC, ETH, DASH, ETC, NEO from one
To enable real-time transactions, the user merely needs to configure Mobilum Wallet with his or her preferred
default blockchain asset as the payment source and set a daily or monthly spending limit. With this setup, the user
obtains full control over his or her funds at any given time.
The Mobilum Platform is a multi-asset, multi-market, low-latency, high-frequency, MiFID compliant matching
engine allowing best execution of different asset classes in real-time.
It uses the Mobilum Wallet as a customer front-end application, and Mobilum Token (MBM) to settle and reconcile
Its connectivity module enables it to connect to the data feeds of major digital exchanges to determine optimal
prices for its users.
So, what is the essence of Mobilum’s ICO?
Imagine if you had been able to put your money in the VISA company in its early days. Your savings would have
multiplied many times by now, and you would most likely be massively rich. However, you never had a chance, of
course: From its very beginnings, VISA was the project of the Bank of America, a huge institution. There has never
been a grassroot community of contributors in which every single one had the chance to profit many times over.
Luckily, now it’s time for the next generation: With Mobilum’s ICO, you can be part of the development of a new
dominant market player from the very beginning.
Pre-ICO date is 1 March 2018 at 3pm UTC.
ICO start date is 23 April 2018 at 3pm UTC.
ICO goal is to reach 29,000,000 USD
Soft Cap 5,000,000 USD
Private Sale Cap 12,000,000 USD
These funds will be used to build the app and develop main business branches – details below.
The proceeds from the token sale will fund the product launch, continued platform development and user
30% – R&D and Product Development
Includes opening of an R&D center in Europe with approximately 15 engineers.
25% – Marketing and Customer Acquisition
The key source of new customers is going to be word-of-mouth, as the product gives users a very strong
commercial incentive to download the App. There are natural network effects built into the product around the
P2P money sending function, which will lower the average customer acquisition cost (CAC) substantially.
15% – Business Costs, including costs of e-money licenses, compliance and architecture setup
Some of our key partners are listed on the website. There is a substantial cost associated with integrating all those
partners, acquiring all the necessary licenses across multiple jurisdictions, building compliance teams, shouldering
legal fees, and general technical architecture setup.
30% – Working Capital
Our product is bridging the gap between the worlds of crypto and fiat currencies. In order to offer our users realtime
access to funds and perfect exchange rates, we will have to bridge funding gaps between multiple parties using
our own balance sheet.