IN1 Card: a universal crypto card for Europeans

IN1 is a global innovative platform for unified management of fiat and cryptocurrencies. Through its mobile app, it allows users to manage multiple cards and accounts in one place, maintain fiat accounts, a crypto wallet, and a unique card that can work seamlessly with both fiat and crypto.

The IN1 leadership includes Svitlana Monastyrska — Founder and CEO, with over 20 years of experience in the Ukrainian banking sector and Myhaylo Horishnyi — CTO, responsible for technological architecture.

The mission of the platform is to simplify financial management and connect the worlds of fiat and cryptocurrency without barriers. IN1’s role as a bridge between the old and the new financial systems gives the IN1 Card a special significance.

Features and benefits of IN1 Card

When we talk about the IN1 Card, it’s important to note that this isn’t just another crypto card — it’s a tool designed to erase the boundaries between fiat and crypto. Here’s what it offers:

• One-click switch between fiat and crypto: With the “Switch to Crypto” feature, users can instantly change their spending mode, selecting from supported assets (USDC, BTC, ETH, LTC, SOL, USDT).
• Wide crypto support: Use multiple assets without manually converting them before every payment.
• Buy and sell crypto directly in the app: Easily purchase BTC, ETH, USDC and other assets via the IN1 interface.
• Crypto transfers: Send cryptocurrency to other users or wallet addresses using QR codes and more.
• European fiat base: IN1 supports fiat accounts (EUR/USD), allowing users to combine traditional payments with crypto.
• All-in-one management: Cards, accounts and crypto wallets in one intuitive interface.

These features make IN1 Card attractive for those who want the freedom to use crypto like fiat — without unnecessary complications.

At IN1, we believe that combining crypto and money is a new step in the world of finance. Just imagine, you no longer need millions of apps, P2P orders or waiting for banks to “allow” it. Complete flexibility. Complete freedom. IN1

Svitlana Monastyrska

Founder and CEO of IN1

Do you have five apps for different things? Now imagine all of that in one. IN1 is your universal wallet for both crypto and money — notes Svitlana Monastyrska.

Fees and limits

To evaluate how cost-effective the IN1 Card can be, let’s look at its tariffs.

Fees:

• First virtual card issuance: Free
• Additional virtual cards: €1.99
• Virtual card replacement: €1.99
• ETH/BTC to USD, EUR, or USDC conversion: 1%
• Card purchases (POS, e-commerce): No fees within card currency
• Currency exchange (transactions outside card currency): 1.5%
• Top-up via external card / Apple Pay / Google Pay: 2.5%
• SEPA outgoing payments: 1% (min €3)

Limits:

• Card purchases (POS, e-commerce): No limit
• Online purchases (e-commerce): Up to €15,000 per day

Overall, IN1 sets competitive rates for most operations, though some restrictions remain (e.g., on currency exchange).

How to order and activate IN1 Card

The application process is designed to be simple, and IN1 makes it straightforward:

1. Download the IN1 app (iOS / Android).
2. Register an account and complete KYC verification.
3. Issue a virtual card (the first one is free).
4. Add the card to Apple Pay / Google Pay.
5. In card settings, enable “Switch to Crypto” mode (if desired).
6. Top up your balance with fiat or crypto.

Once completed, the card is ready to use — online, offline and across supported currencies.

Drawbacks and considerations

No technology is flawless — IN1 also has its limitations:

1. Some fees (e.g., 2.5% for top-ups via cards) may be relatively high for certain users.
2. Online purchase limits — €15,000 per day — may be insufficient for very active users.
3. Geographic restrictions: currently available only for citizens and residents of the European Economic Area (EEA).
4. Absence of a physical card: there has been no mention or example of use of a physical IN1 card.

IN1 Card is an interesting solution for those who want to combine the worlds of crypto and fiat without barriers. The platform offers flexibility — the ability to switch the card into crypto spending mode, support for popular assets and convenience in managing everything from one app.

On the other hand, as with any new product, there may be occasional issues with support or user trust. That’s why it’s important to carefully review the terms and community feedback before activating the card.