“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?”
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.
Mobilum processes payments through Apple Pay, Google Pay, Visa Direct (real-time global money transfer) and Mastercard Send (real-time global money transfer). Disclosed money-movement rails: ACH, Visa Direct, Mastercard Send, SWIFT and SEPA.
Mobilum's cards run on Mastercard and UnionPay.
Mobilum's crypto products run on Alt 5 Sigma.
The Embedded Finance Index 2026 maps 5 layers in Mobilum's stack: Payments / PSP (Apple Pay, Google Pay, Visa Direct (real-time global money transfer) and Mastercard Send (real-time global money transfer)); Money movement (ACH, Visa Direct, Mastercard Send, SWIFT and 1 other); Card network (Mastercard and UnionPay); Lending (Bitcoin-collateralized loans (non-custodial), Crypto staking yield (earn on collateral), Fiat borrowing against crypto collateral and Instant liquidity via Mobilum payment card); Crypto (Alt 5 Sigma).
Mobilum is founded in 2017 and headquartered in Gibraltar, Gibraltar.
Mobilum has raised $611.1K in total.
Get a read on where your own stack stands against Mobilum and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.