Adam Spencer is a young South African and he runs Coffee business. Adam is a strong crypto enthusiast and he nurtures a strong belief in the ability of blockchain technology to push for socio-economic advancement. He believes blockchain technology can greatly influence fin-Tech services, provide banking service for the large population of unbanked globally, provide new and improved means of making payments, facilitate instant settlements on transactions and guarantee swift exchange services. Never the less his numerous attempts to institute blockchain payment option into his business have proven to be a futile mission. Running a coffee store often warrant a lot of micropayments and a lot of his customers who he has encouraged to embrace blockchain payment options have often complained over high volatility, low liquidity for the numerous crypto assets he has promoted, slow confirmation of transactions, engagement of third parties in this transactions hence impacting exchange cost and lastly a risk of having funds frozen. Adam's crave for better blockchain solutions that will help seamlessly onboard his business service as well as customers, has proven impossible hence he was forced to opt against payment via Crypto.

Introducing XCARD

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Image is courtesy of http://xcard.io/static/XCard-Whitepaper-21082019.pdf

XCARD is a unique blockchain initiative part and parcel of the mobilum ecosystem which features a wallet, card, exchange and foundation API. XCARD concept is born of the need to promote seamless utilization and adoption of cryptocurrency for the perpetuation of all form of transaction performed daily. XCARD main goal is to connect fiat Currencies and cryptocurrency in real-time hence serving as a bridge for easy onboard of new users into the crypto space. This is to be achieved providing all form of solutions businesses like that of Adam will require as well as unbeatable Fin-Tech service for all and sundry. To facilitate this mission the XCARD platform aims to provide easy integration on credit card, boast of a secured wallet for enthusiasts, seamless onboarding process in contrast to opening a bank, provision of swift exchange services so users can buy cryptocurrencies easily and lastly unique cryptocurrency lending services.

Core Features of XCARD

1. XCARD App and biometric Cr Card system: The XCARD platform issues its payment card in the form of a virtual card which is issued after signing up to the XCARD wallet app which is going to be available on both android and IOS mobile devices. The XCARD app has a simple account opening procedure and also take an interest in the proper identification of every user of the platform to prevent the perpetuation of illicit activities via the platform. XCARD is also designed to be interoperable with other renowned card issuers (Such as Visa cards, money send for Mastercard e.t.c) through a swift onboarding process hence users don’t need to wait for the issuance of a dedicated XCARD physical card before making uses of XCARD numerous services at retail outlets, shopping malls e.t.c

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Image is courtesy of http://xcard.io/static/XCard-Whitepaper-21082019.pdf

2. The XCARD platform via its seamless integration of normal payment card on the XCARD app is designed to allow users of the platform top up their accounts using cryptocurrency, spend fiat straightaway using crypto payments card issued by XCARD without topping and lastly allow crypto enthusiast secure loans using their crypto assets stored on their XCARD wallet as collateral.

3. Since the XCARD platform is designed to accept as much as 200 cryptocurrencies and support the exchange of fiat currencies with 30 cryptocurrencies the need for a sublime trading system cannot be overemphasized. The XCARD solution has this all covered with a sublime "internatilzer" matching engine that helps in the conversion based on fiat prices. The XCARD platform also seeks to establish a connection with cryptocurrency exchanges to guarantee liquidity for users of the platform who might be converting from one crypto asset to another and as well to ensure the proper functioning of XCARD instant loan system backed by crypto.

4. MBM token is another core component of the XCARD platform. MBM token is designed to be the primary means of accessing XCARD services and also paying for transaction fee. The MBM token is an erc-20 token with a maximum supply of 640 million tokens and will grant access to all services provided by the platform including the foundation API. The XCARD platform will also be using the MBM token for a fundraiser through an Initial Exchange offering scheduled to hold in the third quarter of 2019..

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Image is courtesy of http://xcard.io/static/XCard-Whitepaper-21082019.pdf

Conclusion

XCARD concept looks ideal to promote the adoption of blockchain technology for all and sundry, and with this project in place the likes of Adam Spencer who are constantly looking for a blockchain solution to boost business productivity and as well endorse the use of cryptocurrency have finally found a befitting solution.

To learn more about the XCARD platform check out the following links

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Author - mrsparks

Bitcointalk profile: https://bitcointalk.org/index.php?action=profile;u=1197564;sa=summary