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For a while now cryptocurrency talks has been a trend in the modern day world. Quite a number of people around the world knows about cryptocurrency as it is widely spreading and being adopted around the world. Despite the massive implementation and adoption of cryptocurrency in every aspect of human daily lives, there lies one problem, convenience. 

Speaking of convenience, we have to consider so many factors affecting the use of cryptocurrency as a payment system in everyday life. Considering few;

First is the fact that holders of certain cryptocurrencies have very few place to spend their assets. only few commercial establishments accepts cryptocurrency as a payment method. The use of cryptocurrency commercially is yet to be adopted globally. This is a factor limiting the use of cryptocurrency in daily human lives. 

Secondly, is the time it takes to process a crypto transaction. we all can relate to how long it takes in sending BTC (for example) from one wallet to another. Certain times when there are so many jammed transaction on the blockchain, it takes hours for a single transaction to be processed having the user wait for a certain number of confirmation. The time of transaction processing can be a source of other problems such as exchnage rate risk. What i mean by exchange rate risk is the risk of the value of the transferred cryptocurrency changing before it gets to the receiver. These are major problems that can serve as a barrier in the use of cryptocurrency in daily lives.

Futhermore, there are lots of cryptocurrencies out there in which investors possess a number of them in different wallets/crypto storage. As a result of this, there has been a problem in the use of cryptocurrency in day to day transactions as users really do not have easy access to most of their crypto holdings in their crypto wallet/storage. Even few that have access to their crypto storage face difficulty in spending them in real time. 

**What if cryptocurrency could be spent just like fiat?**
We all know how easy and fast it is to run our daily transations with fiat currencies. Now, lets think about this:

What if cryptocurrencies could also be spent just that way like fiat, ensuring maximum convenience of users and real time transactions ?

What if users can access all their crypto holdings in one wallet ?

What will it look like having to spend your crypto holdings with the use of credit cards ?

On this note, i will be discussing a project with a mission to connect fiat currencies and cryptocurrencies in real time with the least transaction cost. I present to you **XCARD**.

![Screenshot (188).png](https://cdn.steemitimages.com/DQmTCdAHr5XeQVhKQmQTDvAucz1qw4bvfg68HQAGZML6iLo/Screenshot%20(188).png)

**<a href="https://xcard.io/index.html"> XCARD </a>**
<a href="https://xcard.io/index.html"> XCARD </a> is a project which is part of <a href="https://mobilum.com/"> MOBILUM </a> ecosystem. Quickly discussing mobillum ecosystem, it is a financial infrastructure which consists of different projects to make up the ecosystem. <a href="https://mobilum.com/"> MOBILUM </a> consists of **XCARD**(wallet & credit card), **INTERNALIZER** (Exchange and liquidity pool), **FOUNDATION** (Open source API/macroservice/blockchain).

**XCARD** is a secure <a href="https://xcard.io/index.html#wallet"> crypto & fiat wallet </a> which also has a biometric credit card with access to exchanges all over the world.**XCARD** aims to make cryptocurrency spendable just like fiat. In real sense,**XCARD** users will be able to make instant payment with cryptocurrency using their crypto wallets or credit cards.

I know you must be wondering what makes **XCARD** different from the other payment systems out there, here it is;

- **<a href="https://xcard.io/index.html"> XCARD </a>** is part of an ecosystem. This means that **XCARD** is just a part of something big which will be functional for the disruption of crypto payment. 

- **<a href="https://xcard.io/index.html"> XCARD </a>** enables the trading of fiat to crypto and vice versa with over 200 cryptocurrencies onboard making it possible to spend your crypto with any payment card, anywhere, anytime via ATMs.

- **<a href="https://xcard.io/index.html"> XCARD </a>** has a multicurrency payment credit card by their partner VISA which allows a secure and safe use of crypto and fiat assets. 

![Screenshot (181).png](https://cdn.steemitimages.com/DQmcFgjAch1NuyJRJ8XrcCEjvThFfR39Lk47jZJkKCocMe5/Screenshot%20(181).png)

- **<a href="https://xcard.io/index.html"> XCARD </a>** has a crypto wallet for holding several cryptocurrencies. so now, you can store all crypto assets in one <a href="https://xcard.io/index.html#wallet"> wallet </a>. 

- With **<a href="https://xcard.io/index.html"> XCARD </a>**, you can get a loan using your cryptocurrency as collateral. Here, your cryptocurrencies are not spent and you can pay back the credit without having to convert the currency.

**<a href="https://xcard.io/index.html"> XCARD </a>** uses **MBM** utility token (a ERC-20 token) to dirve every payment processes in the ecosystem. The MBM token is the most liquid token in **XCARD** wallet. Only 0.5% of the operaton value in **MBM** is needed by the users to run transactions.

**See here to know <a href="http://xcard.io/static/XCard-Whitepaper-21082019.pdf"> how XCARD works </a>**
XCARD app will be availble soon on Google playstore and Apple app store.

**TOKEN SALE**
**<a href="https://xcard.io/index.html"> XCARD </a>** private presale is currently on!

Invest in **MBM** token before the IEO (Initial Exchange Offering) in order to receiver up to 30% bonus and other exclusive benefits.

**How to participate**
Step 1. Logon to https://xcard.io/presale_live.html

![Screenshot (185).png](https://cdn.steemitimages.com/DQmZZ1VPX93x2tQ3DzZJ6vK59mYn3Ka4XMWCTPmSVroqvod/Screenshot%20(185).png)

Step 2. The password for the website is: mbm

![Screenshot (187).png](https://cdn.steemitimages.com/DQmRE3eL3oWHKQVJSM8teDW3iLANZHmSV6VwcFhpq6jeYAr/Screenshot%20(187).png)


Step 3. Scroll down and fill in all necessary information  and click participate now!.

![Screenshot (186).png](https://cdn.steemitimages.com/DQmQEKW6gBfBN9Dk9WgmfVULkMHQ4QBM1aF6sfMHBdoqUGx/Screenshot%20(186).png)

**ROADMAP**

![Screenshot (180).png](https://cdn.steemitimages.com/DQmaKr8xniJ9x1JuCHihB5VENdfPLQ6wBfmUs3d4NQyLKwV/Screenshot%20(180).png)

**TEAM**
XCARD consists of a Team with over 20 years experience in the integration of payment systems into the financial world, proferring solutions to payment problems. 

![Screenshot (182).png](https://cdn.steemitimages.com/DQmRDrqsZtkTK1K62YEc2pSw5wSct127KgtFSCavPtA2Dkz/Screenshot%20(182).png)

![Screenshot (183).png](https://cdn.steemitimages.com/DQmZtFACz5kaSJ1M3VHXX4B6ZjiuusenTKwfuSbPE8RGRbd/Screenshot%20(183).png)

**KEEP IN TOUCH WITH XCARD**
Telegram: https://t.me/mobilumcom
Twitter: https://twitter.com/xcardbymobilum
Facebook: http://www.facebook.com/mobilumcom/
Medium: https://medium.com/mobilumcom
Linkedin: https://www.linkedin.com/company/mobilumcom

**AUTHOR**: Brightdhykseen
**BITCOINTALK PROFILE**: https://bitcointalk.org/index.php?action=profile;u=1048662