TP Card

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TP Card scores 7 of 16 on the CBL Card Score. TokenPocket, Mastercard or Visa. Tokenised deposit in own wallet; Fiat24 can block. Not named by TokenPocket; runs on Fiat24.

CBL Card Score: 7 of 16

Criterion	Points	What we found	Source
Custody	1 of 2	Tokenised deposit. The card is "linked one-to-one with an on-chain wallet", with the account NFT in the user's Arbitrum address and balances held as EUR24 and USD24 tokens; spending is capped by a Permit2 "authorized amount" the user sets on chain, minimum 10, EUR24 only today (official, TP Card FAQ, create/import guide, limit guide). The fiat behind the tokens is a deposit with Fiat24, which can hard-block or soft-block an account, pays no interest, and states that the Swiss Deposit Protection Scheme does not apply (official, Fiat24 terms effective 21 Apr 2026; Fiat24 NFT page). No segregation statement found.	official checked 20 October 2026
Issuer and licence	1 of 2	Not named by TokenPocket. The FAQ refers to "a compliant financial institution", and every operational step points to Fiat24 (official, TP Card FAQ and guides). Fiat24's own docs name SR Saphirstein AG, Zurich, as principal issuer of the Fiat24 Mastercard Debit, BIN 5481 0849, and SR Saphirstein AG appears on FINMA's list of fintech licence holders, checked 20 Oct 2026 (official, Fiat24 Mastercard Debit user doc; FINMA). Scored 1 because TokenPocket's pages do not name the issuer or its licence.	official checked 20 October 2026
Availability	0 of 2	Individual clients only. Visa debit for "many European countries and territories, including Switzerland and Norway"; Mastercard debit for Australia, Canada, Hong Kong, Japan, Singapore, South Korea, Taiwan, New Zealand, the UK "and a few others"; the Americas were "planned by Q2 2025" (official, TP Card FAQ, undated). No Gulf country listed. US persons are excluded by Fiat24 (official, Fiat24 individual account page). Registration goes through Fiat24, which says it is "currently not accepting new Individual Clients" during maintenance (official, Fiat24 individual account page and fiat24.com, checked 20 Oct 2026). TokenPocket's own pages carry no pause notice (official, checked 20 Oct 2026). EU and UK listed; new registrations cannot complete today.	official checked 20 October 2026
FX fee on a foreign-currency purchase	2 of 2	"Transaction fees (online or offline): None" and no annual fee (official, Detailed TP Card Fees). The FAQ says TP Card charges nothing beyond the deposit fee, with "any extra costs" coming from "normal inter-institution settlement" (official). Balances are USD24, EUR24 and CHF24 tokens, so a USD purchase from a USD24 balance carries no conversion; purchases outside the card currencies convert at an unpublished rate (official, Fiat24 Mastercard Debit user doc). Scored on the USD route under the FX rule.	official checked 20 October 2026
Funding cost	0 of 2	Top-up fee 0.5% to 1% of the amount, with 15% to 60% discounts only for users who refer valid new users; a new user pays 1% on crypto deposits (official, Detailed TP Card Fees; TP Card FAQ; Commission Rewards page). The FAQ says the 1% "will later be returned through rewards or lower transaction fees" with no terms (official). Card NFT minting 0.002 ETH on Arbitrum One, refunded for the first 10,000 real users, with a 0.01 ETH minimum wallet balance before minting (official, Detailed TP Card Fees). Virtual card at no stated cost; "All Fiat24 cards are virtual" (official, TP Card FAQ). Deposits need a Permit2 approval for USDC and other non-native tokens (official, deposit guide). Fiat24 charges 1 USD, 1 EUR, 1 CHF or 7 CNH per merchant refund from 15 May 2026 (official, Fiat24 Mastercard Debit user doc). No inactivity fee found. Scored 0 on the 1% stablecoin top-up at the entry tier.	official checked 20 October 2026
Apple Pay and Google Pay	2 of 2	Apple Pay, Google Pay, Samsung Pay, Alipay and WeChat Pay (official, TP Card FAQ), with step-by-step binding guides for Apple Pay and Google Pay (official, help centre).	official checked 20 October 2026
Freeze and dispute policy	1 of 2	Help articles only. Lost private key: contact service@fiat24.com, the account is locked after identity checks and reset by moving the NFT and funds to a new Arbitrum wallet, possibly for a small fee. Stolen key: disable or lock the card, move funds and NFT, contact support. Frozen card: contact support (official, TP Card FAQ). Merchant refunds credited within 15 to 30 business days (official, FAQ). Fiat24 terms: report unauthorised or incorrect transactions no later than 2 months after the transaction date, with refunds for unauthorised payments and Fiat24 errors, except in cases of fraud, gross negligence or late notice (official, Fiat24 terms effective 21 Apr 2026). No chargeback route, response time or complaints procedure published.	official checked 20 October 2026
Yield on idle balance	0 of 2	None. Fiat24 pays no interest on client deposits (official, Fiat24 terms). TokenPocket mentions no yield (official).	official checked 20 October 2026

Total 7 of 16. Official means the company's own site, terms or help centre. Third-party means a named review site with its own check date; a third-party fact is reported, not verified, and the score stands until an official source confirms or contradicts it.

Score history

20 October 2026

7 of 16

First score

Standing

Company	TokenPocket, the wallet maker, trading as TP Global Ltd with no address or licence shown on its site (official, tokenpocket.pro footer). TokenPocket's FAQ says the card is "jointly launched by TokenPocket and a compliant financial institution" without naming it (official, TP Card FAQ). Registration runs on Fiat24 ("Proceed on Fiat24"), identity checks go to Fiat24's verification page, security settings redirect to Fiat24, lost-key cases go to service@fiat24.com, and balances show as USD24 and EUR24 tokens (official, TP Card registration, profile, deposit and limit guides). Fiat24 is the trademark of SR Saphirstein AG, Zurich, company number CHE-256.014.995, licensed by FINMA as a fintech under Article 1b of the Swiss Banking Act (official, info.fiat24.com footer; FINMA fintech licence list).
Network	Mastercard or Visa, "Mastercard or Visa debit, based on the Arbitrum network"; Visa for European countries, Mastercard for the UK, Australia, Canada, Hong Kong, Japan, Singapore, South Korea, Taiwan and New Zealand (official, TP Card FAQ, undated). Fiat24's current user docs describe one product, the Fiat24 Mastercard Debit (official). official
Rails	TokenPocket is the wallet front end and does not name the issuer. Every step of registration, KYC, card management and support runs on Fiat24, whose operator SR Saphirstein AG holds a FINMA fintech licence and holds the fiat behind the cash tokens in the user's wallet (official).
Website	card.tokenpocket.pro/?locale=en&theme=light
Health tag	Watch The card runs on a FINMA-licensed fintech, but TokenPocket does not name the issuer, shows no licence or address of its own, and Fiat24 has paused new individual onboarding, with deposits outside the Swiss deposit scheme (official TokenPocket help centre; official Fiat24 terms and account page).
Last checked	20 October 2026

When it goes wrong

Help articles only. Lost private key: contact service@fiat24.com, the account is locked after identity checks and reset by moving the NFT and funds to a new Arbitrum wallet, possibly for a small fee. Stolen key: disable or lock the card, move funds and NFT, contact support. Frozen card: contact support (official, TP Card FAQ). Merchant refunds credited within 15 to 30 business days (official, FAQ). Fiat24 terms: report unauthorised or incorrect transactions no later than 2 months after the transaction date, with refunds for unauthorised payments and Fiat24 errors, except in cases of fraud, gross negligence or late notice (official, Fiat24 terms effective 21 Apr 2026). No chargeback route, response time or complaints procedure published.

The dispute route, in order: the company's own support desk, then the card network's chargeback rules, then the regulator of the issuer where one is named. A frozen card is a question, not a verdict: the Frozen Account Survival Kit applies to cards too.

Costs

FX	"Transaction fees (online or offline): None" and no annual fee (official, Detailed TP Card Fees). The FAQ says TP Card charges nothing beyond the deposit fee, with "any extra costs" coming from "normal inter-institution settlement" (official). Balances are USD24, EUR24 and CHF24 tokens, so a USD purchase from a USD24 balance carries no conversion; purchases outside the card currencies convert at an unpublished rate (official, Fiat24 Mastercard Debit user doc). Scored on the USD route under the FX rule. official
Funding	Top-up fee 0.5% to 1% of the amount, with 15% to 60% discounts only for users who refer valid new users; a new user pays 1% on crypto deposits (official, Detailed TP Card Fees; TP Card FAQ; Commission Rewards page). The FAQ says the 1% "will later be returned through rewards or lower transaction fees" with no terms (official). Card NFT minting 0.002 ETH on Arbitrum One, refunded for the first 10,000 real users, with a 0.01 ETH minimum wallet balance before minting (official, Detailed TP Card Fees). Virtual card at no stated cost; "All Fiat24 cards are virtual" (official, TP Card FAQ). Deposits need a Permit2 approval for USDC and other non-native tokens (official, deposit guide). Fiat24 charges 1 USD, 1 EUR, 1 CHF or 7 CNH per merchant refund from 15 May 2026 (official, Fiat24 Mastercard Debit user doc). No inactivity fee found. Scored 0 on the 1% stablecoin top-up at the entry tier. official
ATM	Not described. The card is virtual (official, TP Card FAQ; Fiat24 Mastercard Debit user doc).
Tiers	Regular users, $100,000 a month limit; premium users, $500,000 to $50,000,000 a month, "coming soon"; premium NFT holders would get an extra 0.1% fee discount, "not yet launched" (official, Detailed TP Card Fees; Commission Rewards page).

Cashback, as of 20 Oct 2026

None on spending. Referral commissions on invitees' top-up fees, paid in USDC with a 10 USDC minimum withdrawal, plus points (1,000 to the inviter and 5,000 to the invitee per valid referral, 1 point per 1 USDC topped up, expiring after 180 days); a valid referral needs KYC and a 100 USDC top-up within 30 days (official, Commission Rewards page, checked 20 Oct 2026).

Cashback is a dated fact, not part of the Card Score. Promo rates change too often to score.

Availability

Individual clients only. Visa debit for "many European countries and territories, including Switzerland and Norway"; Mastercard debit for Australia, Canada, Hong Kong, Japan, Singapore, South Korea, Taiwan, New Zealand, the UK "and a few others"; the Americas were "planned by Q2 2025" (official, TP Card FAQ, undated). No Gulf country listed. US persons are excluded by Fiat24 (official, Fiat24 individual account page). Registration goes through Fiat24, which says it is "currently not accepting new Individual Clients" during maintenance (official, Fiat24 individual account page and fiat24.com, checked 20 Oct 2026). TokenPocket's own pages carry no pause notice (official, checked 20 Oct 2026). EU and UK listed; new registrations cannot complete today. official

Identity checks: Through Fiat24: GPS on, country and street address with a distance check, purpose of card, email verification, then passport scan with NFC and face check in the ReadID Ready app; approval follows review (official, TP Card Register guide). Fiat24 also requires a tax number and excludes US persons, PEPs and nationals of Iran, North Korea and Russia (official, Fiat24 individual account page).

What we still need confirmed

Facts marked official come from TokenPocket's own pages or terms. Facts marked third-party are reported by a named review site and count as reported, not verified. These items are open for the next Monday sweep:

• Whether TokenPocket names Fiat24 or SR Saphirstein AG as issuer anywhere, for example in the User Agreement shown at NFT mint. Rescore issuer to 2 if it does. open
• Whether TP Card registration completes today while Fiat24 says new individual onboarding is paused. Rescore availability to 1 once registrations reopen, since the EU and the UK are listed. open
• Whether the FAQ country list is current; it still refers to an Americas launch "by Q2 2025". Rescore availability to 2 if the UAE or Saudi Arabia is added. open
• The conversion rate and any markup on purchases outside USD, EUR, CHF and RMB. Rescore FX to 1 or 0 if a markup is confirmed on the entry tier. open
• The exact top-up fee a new user pays with no referrals. Rescore funding to 1 if it is below 1%. open
• Response time on disputes. Rescore freeze to 2 if one is published. open
• tile_color taken from the dominant colour of the logo file in assets/logos/ on 20 Oct 2026; confirm against brand assets. open

See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.

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