← State of Embedded Finance 2026

Mobilum

“Can a multi-jurisdictional Web3 payments group become the infrastructure layer for fiat-to-crypto on-ramps, white-label card issuing, and Bitcoin-collateralized lending globally?”

Founded2017
HQGibraltar, Gibraltar
Total raised$611.1K
IndustryFintech / Crypto
The story

Founded in 2017 as a blockchain/Web3 fintech in Gibraltar, Mobilum evolved from a revenue-sharing platform for asset creators into a multi-entity group providing fiat-to-crypto on-ramp services, global payment rails, and white-label card issuing for crypto exchanges. The company has since expanded into Bitcoin-collateralized lending and yield products via mobilum.xyz, while building a compliance infrastructure across multiple jurisdictions (Poland, Lithuania, Canada, US, Australia). Mobilum now positions itself as an embedded finance infrastructure provider bridging traditional payments (Visa, Mastercard, Open Banking) with Web3.

Last 12 months
—
Product timeline
2017
Mobilum founded as a blockchain-based fintech platform in Gibraltar.· pivot
2021
Mobilum partnered with Alt 5 Sigma to provide fiat-to-crypto on-ramp services.· banking
2023
Privacy Policy updated; Mobilum operates multiple regulated entities across Poland, Lithuania, Canada, US, and Australia.· pivot
2024
Launched Bitcoin yield and borrowing product (mobilum.xyz) — enabling users to use Bitcoin as collateral, earn yield via staking, and borrow fiat.· lending
2024
Launched white-label co-branded Mastercard debit card program supporting EUR, USD, and PLN.· card
Regulated entities
Virtual Asset Service Provider
Poland
Wiresync sp. z o.o.
Virtual Asset Service Provider
Poland
N.W.A sp. z o.o.
Foreign Money Services Business
Canada (FINTRAC)
Mobilum Tech UAB
Digital Currency Exchange
Australia (AUSTRAC)
Mobilum Tech UAB
PSP (Retail Payment Activities Act)
Canada
Mobilum Tech UAB
Money Services Business
US (FinCEN)
Mobilum Inc
Money Services Business
Canada (FINTRAC)
No Limit Payments Ltd
The stack
Payments / PSP
Visa (card acquiring rails, self-operated via Mobilum entities)Mastercard (card acquiring rails, self-operated via Mobilum entities)Apple PayGoogle PayUnion PayVisa Direct (real-time global money transfer)Mastercard Send (real-time global money transfer)
Card issuing
Mastercard (white-label, self-operated via Mobilum cards platform)
Lending
Bitcoin-collateralized loans (non-custodial)Crypto staking yield (earn on collateral)Fiat borrowing against crypto collateralInstant liquidity via Mobilum payment card
Crypto
Alt 5 Sigma
Accounting gap: none