![DtKgBZEW0AAhQn9.png](https://cdn.steemitimages.com/DQma3K6NRv4x6FiWbcAyBEupqtfwAvGzyaeS3dQfJwjZDBZ/DtKgBZEW0AAhQn9.png) The ubiquitous use of crypto currency - hearing this phrase for another 5 years, one might be surprised. But now hearing this phrase - no one is surprised and everyone understands that crypto currency will become commonplace. It would seem why? But everyone understands that crypto currency is becoming commonplace in financial transactions between people. And for companies it is an extra way to attract and please customers. ### But what prevents the use of this virtual currency everywhere? This is the absence of a simple and official way of transferring money between the buyer and sellers. Because now, to transfer cryptocurrencies between users it is necessary to have 2 mobile devices side by side. What if there's a queue in the store? But progress does not stand still and now there is a solution! ![2019-10-04_165156.png](https://cdn.steemitimages.com/DQmYTZu6VWgqe25cddCMA71ZjSkRM3opuyQJucnkzdf7L8H/2019-10-04_165156.png) ## It's [XCARD]( https://xcard.io)! ***XCARD*** is a crypto wallet, [mobile banking]() and the ability to pay with cryptocurrencies and fiat currencies. ***This application is*** a complete analogue of Mobile banking, but has all the advantages and reliable protection against crypto technologies. ***The most important advantage*** is cooperation with large payment systems such as VISA, Santander. #### The use of XCARD has many advantages and huge potential. These benefits will be positively noted: - ***Shopkeepers.*** An extra way to attract customers, the convenience of storing payment data, a reliable way of storing, a reduced commission (unlike the classic payment systems) - ***Buyers, customers.*** The ability to store and pay for products and services everywhere, reliable storage of funds, complete control over finances, an easy way to obtain credit funds. - ***A new market for credit companies and organizations.*** A short-term or long-term loan is available to the card holder using cryptocurrency as collateral for the loan. #### How does XCARD work? For the first time, users who want to use XCARD with their existing payment card must first connect that payment card to the XCARD app. ***XCARD uses several different ways to top up your payment card:*** - Bank transfer to the International Bank Account Number (IBAN), - OCT (Original credit transaction) for VISA cards, Money Send for MasterCard. > When registering a payment card, the user simply has to provide the number and payment card details or scan the payment card. IBAN can be found on the card itself, either on a credit card or in an account statement. XCARD determines which payment method is supported and is most convenient when refilling an account and/or adding credit to a user's payment card. #### Why get a mortgage loan crypto-token? After buying crypto-token, the owners of these tokens often leave them in their wallets, waiting for the price of cryptocurrency to rise. As a result, the full potential of these crypto-assets is not realized ![2019-09-16_215056.png](https://cdn.steemitimages.com/DQmNNk2Riv4zpfsPcnhtTXQywnQ6zCiSbBPScyTwZtMiird/2019-09-16_215056.png) #### How does [lending]( https://xcard.io) work? - As an alternative to direct costs for cryptocurrency, the card holder can take out a loan on his card, using his cryptocurrency as collateral. - If the loan term is one day, the user does not pay any additional interest. If the loan term is longer, monthly interest is accrued from it. Interest can be changed in accordance with market conditions. - The card holder can pay off the loan by returning the fiat currency, or you can not pay the fiat, and choose to pay the loan from the provision of cryptocurrency. _To obtain a loan, you must deposit the equivalent amount of your cryptocurrency to be used as collateral increased by the risk coverage ratio (usually 20%). (because the current crypto-fiat cost or risk coverage ratio may change). If the cost of collateral required to secure the loan depreciates, we may ask the debtor to complete the security. Otherwise, we have the right to close the loan by eliminating the collateral._ As XCARD conducts transactions with various cryptocurrencies and fiat currencies, the platform will operate on its service to-market - [MBM TOKENS.]( https://xcard.io) This single token is necessary because XCARD will support a lot of crypto and fiat currencies. This token will also be used in various transactions through a mobile app or map. XCARD has a commission of 0.5% in various operations. To carry out operations, the card holder must have the necessary amount in mbM TOKENS in his account. _The commission of the acquisition of various banks is between 1.5 and 2.2%._ ## A little bit of information about MBM Token ***Token details:*** XCARD ***Name:*** MBM TOKENS ***Ticker:*** MBM ***Platform:*** Ethereum ***Total token deliveries:*** 640,000,000 MBMs ***Hardcap:*** $30,000,000 ***Type:*** Service token ![2019-09-16_220140.png](https://cdn.steemitimages.com/DQma7mFux5xsdCUxhuKZYFrH7wTjiqsuJRvL9DJ2jMHkez5/2019-09-16_220140.png) ***[XCARD]( https://xcard.io) is a completely new format of financial relations between people, when using cryptocurrencies.*** ### Are there any questions left? Or do you want to take part in the project?

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