THORWallet stands out as the ultimate solution for securing your crypto assets, freely swapping them, seamlessly accessing Web3, and spending anywhere with your crypto card. With multi-chain support, it enables operations on networks like Bitcoin, Ethereum, THORChain, Solana. This allows users to manage their portfolios from a single place and capitalize on DeFi opportunities.

What is THORWallet (TITN)?

THORWallet is a mobile wallet that adopts multi-signature technology to secure crypto transactions. This enables easy co-signing with your other devices; you can manage deposits, sends, swaps, and more from a single interface. As the world’s first multi-chain, multi-asset multi-signature wallet, it is compatible with all chains and stands out with DeFi integration.

The wallet naturally supports DeFi compatibility to rebalance your portfolio within the app. Advanced DeFi functions include bonding to nodes, lending, and savers features. With a single dashboard, you can track your entire portfolio, optimize assets, swap, stake, and perform cross-chain fund movements – all from your own wallet, without intermediaries.

The core goal of THORWallet is to provide users with full ownership and control. With its decentralized structure, you do not compromise on security while managing your assets. AI agent integration automatically finds the best swap routes, analyzes your portfolio, and accelerates your decisions (coming soon). These features make the wallet indispensable for both beginners and experienced DeFi users.

Redefine Self-Custodial DeFi

THORWallet differentiates itself by offering a true self-custodial, mobile-first DeFi experience. Unlike custodial wallets or centralized exchanges, users maintain full ownership and control over their assets. The app bundles powerful features into one interface; designed for new users and seasoned DeFi natives:

Cross-Chain Swaps: Instantly swap native assets across major blockchains; without wrapping, bridging, or centralized parties. Global MasterCard: Spend crypto with MasterCard in over 100 countries; directly connected to your self-custodial wallet. Multisig Vaults: Built-in multisig for every token and chain; mobile security for DAOs, crypto teams, and large investors. Best-in-Class Fiat Gateway: Move between fiat and crypto at top rates, with support for large transaction sizes.

These features make THORWallet more than just a wallet – it is a Web3 bank; merging the benefits of decentralized finance with real-world utility.

As part of its roadmap, THORWallet launches its native utility token TITN. The token powers key platform features like fee cashback, raffles, airdrops, and user rewards; creating a vibrant, gamified ecosystem that rewards participation and loyalty – all within a self-custodial framework.

THORWallet (TITN) Key Features

THORWallet is equipped with innovative features that bring DeFi to the mobile world. Here are the highlights:

Multi-Signature Wallet

Offers multi-signature solution compatible with all chains: Bitcoin, Ethereum, THORChain, Solana and more. As the world’s first multi-chain multi-asset multi-signature wallet, you easily approve with your other devices. Ideal for DAOs, treasury management, and large portfolios; secure transactions from a single mobile interface.

Easy Crypto Exchange

THORWallet naturally supports DeFi compatibility to rebalance your portfolio within the app. Advanced DeFi functions include bonding to nodes, lending, and savers tools. Cross-chain swaps require no intermediaries; swap native assets without wrapped tokens or bridges.

Asset Management Hub

Manage your entire portfolio from a single dashboard. Track crypto assets, optimize them, and earn yields with DeFi tools. Swaps, staking, yield earning, and fund movements are done securely from your own wallet; no intermediaries, full control in your hands.

AI Agent

Automatically discovers the best swap routes; maximizes your crypto asset swaps. Checks your portfolio status, analyzes trends, and informs your decisions with AI-powered insights (coming soon). Executes swaps and transfers in seconds with simple commands; no complicated steps.

Multicurrency Crypto Card

• Standard: Swiss bank account (CHF, EUR, USD, RMB), multicurrency MasterCard, 1% crypto topup & FX fee. Bank limit: $100,000/month, Card limit: $20,000/month, $10,000/day. Free.
• Gold: Launch discount from 3 ETH to 1.5 ETH. 0.5% fee, $1M/month bank, $200K/month card, $100K/day. 1.5 ETH sign-up fee.
• Platinum: Launch discount from 30 ETH to 15 ETH. 0.25% fee, $10M/month bank, $200K/month card, $100K/day. 15 ETH sign-up fee.

Cross-Chain Swaps and Over 20,000 Crypto Tokens

THORWallet provides true cross-chain interoperability; swaps assets without intermediaries or wrapped tokens. Compatible with over 20,000 crypto tokens; manage your portfolio freely.

Unique Features

• True Cross-Chain Interoperability: Swap assets across blockchains without intermediaries or wrapped tokens; directly with native assets. Global
• MasterCard: Spend crypto with MasterCard in 100+ countries; from your own wallet, with full ownership.
• Multisig Solution: Compatible with every chain and token; ideal for DAOs, treasuries, and large investors.
• Mobile security. Plugin Ecosystem: (Coming soon) Enable multisig for bots. Open ecosystem focused on third-party applications; the app store for crypto.

Who is THORWallet (TITN) For?

THORWallet is tailored to different user profiles:

DeFi Conversion for Everyone

THORWallet is your gateway in transitioning from traditional fintech to DeFi. Full ownership platform brings the best of DeFi to you; swap, earn, and manage assets without intermediaries. Securely transition between fiat and crypto; with on-ramp and off-ramp. Not just a wallet, a DeFi super app; experience the power of on-chain finance intuitively.

For DeFi Natives

Swap, borrow, save, or spend in one wallet. No need for a second wallet. Safe interaction with the FIAT world via optional free Swiss bank account.

For Whales

Holding significant crypto funds? Upgrade to multisig THORWallet solution for unmatched security. Eliminates single points of failure; removes risks of traditional hardware wallets. Manage portfolio with full control, swap, and deploy to DeFi.

For Treasuries

Seamlessly manage your crypto treasury across all chains. No need for multiple multisig applications; all assets in one place. Access powerful DeFi tools: swaps, borrowing, staking; top-tier security for your funds.

THORWallet (TITN) Tokenomics

TITN is a utility token that unlocks in-app features (fee reductions, loyalty rebates, governance). It is not an investment product. Value may fluctuate and could fall to zero.

TITN is issued by DeFi Suisse AG as a utility token under Swiss law. It confers no equity, profit share, repayment right, or guaranteed return. Functions such as the Fee-Return Reward Pool are discretionary, variable, and may be suspended. Secondary-market prices are determined solely by supply and demand on independent exchanges.

Holding or using $TITN may be restricted or illegal in some jurisdictions; ensure compliance with local laws and consult professional advisers. Full Terms & Risks.

Allocation

• Treasury: 27.46%
• TITN Existing Investor Round: 1.69%
• TITN Seed Round: 1.88%
• Advisors: 2.84%
• Airdrop: 5.01%
• Listings: 2.51%
• Future Rounds: 10.03%
• Team Allocation: 15.53%
• TGT Merge Community: 29.99%
• LP Launch Rewards: 0.30%
• Liquidity Pool: 0.75%
• Market Maker Pools: 2.01%

THORWallet (TITN) Team

THORWallet was founded in 2021 and is managed by an experienced team; under the leadership of Cryptomaze and Crypto XZ, it shapes the future of DeFi. The team’s vision is to democratize crypto access with user-focused innovations.

• Founder and CEO: Cryptomaze
• Co-founder and COO: Crypto XZ

Official Links

• Website
• X (Twitter)
• Whitepaper

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What is Cypher (CYPR)?

Cypher is a Web3 banking platform where users can manage 500+ tokens across 18+ EVM and Cosmos chains and make payments using virtual and physical Cypher Cards. It supports payments at over 40 million online and offline merchants with non-custodial wallets. Operating as a non-custodial crypto card product for over three years, Cypher introduces the CYPR protocol to create a rewarding ecosystem. Running on Base Chain, this protocol connects consumer behavior to on-chain governance with a transparent, community-driven reward system. The $CYPR token, with a fixed 1 billion supply, is used for governance and rewards.

Purpose of Cypher (CYPR)

Cypher addresses the opacity, centralized control, and limited redemption value of traditional reward systems. By linking consumer behavior to protocol mechanics, it rewards users through spending and governance. Merchants compete for user attention with better services and strategic incentives, creating a dynamic marketplace. $CYPR tokens are used for spending rewards, governance, and additional incentives, fostering a flywheel between brands, influencers, AI agents, and crypto card users. Long-term sustainability is ensured through a fixed supply, decaying emissions, and the low-cost Base Chain.

How Does Cypher (CYPR) Work?

Cypher operates through spending-based rewards, a referral system, and governance:

Flywheel Economic Model:

1. Spending → Earn $CYPR: Users earn $CYPR tokens by spending within the Cypher ecosystem.
2. $CYPR → Lock → Vote → Direct Emissions → Additional Rewards: Locking $CYPR (veCYPR) grants voting power to direct merchant emissions and earn extra rewards.
3. Merchants → Add Bribes → Incentivize Voting: Merchants offer bribes (USDC, ETH, etc.) to attract votes; only voters receive bribe shares.
4. DeFi Protocols → Provide Liquidity → Enhance $CYPR Utility: As $CYPR demand grows, DeFi liquidity providers deepen markets, supporting staking and yield farming.

Epoch Structure:

• Duration: 2-week cycles balance voting and reward distribution.
• Voting Period: veCYPR holders determine merchant reward allocations; votes are locked until the epoch ends.
• Distribution: Spending and referral rewards are distributed based on votes and spending.

Vote-Escrow (veCYPR):

• Maximum 2-year lock; voting power proportional to lock duration.
• Lifetime Lock: Constant voting power, cancelable (converts to 2-year decaying lock).
• Voting Power: (Locked Amount / Max Lock Duration) × Lock Duration; decays linearly.

Spending Rewards:

• Base Rewards: All users earn rewards proportional to spending; Premium users receive higher multipliers.
• Boosted Rewards: Merchants with more votes receive larger reward pools, distributed by user spending.

Referral Rewards:

• New users are rewarded on their first qualifying spend; rewards split between referrer and referee.
• Enhanced referral rewards go to voters whose referees spend at supported merchants.

Bribe Mechanism:

• Merchants offer bribes to attract votes; only veCYPR holders receive shares.
• Transparent, offered in various tokens (USDC, ETH); distributed by voting power.

Technical Infrastructure:

• Base Chain enables low-cost, scalable transactions.
• Chaos Labs Edge (primary) and Pyth Network (secondary) oracles; transitioning to pull model in April 2025.
• MrSablier open-source Rust Keepers manage liquidations and automated orders.

Cypher (CYPR) Use Cases

Cypher is used for:

• Crypto Spending: Payments at 40M+ merchants with Cypher Card.
• Governance: $CYPR for directing emissions and DAO voting.
• Rewards: Earn $CYPR through spending and referrals.
• Business Solutions: Team expense management and accounting integration with Gnosis Safe or Ledger.

Usage Steps:

1. Obtain a Cypher Card and load it with 500+ tokens.
2. Connect a wallet for online/offline payments.
3. Stake/lock $CYPR for governance participation.
4. Invite new users via referrals to earn rewards.

Advantages of Cypher (CYPR)

• Transparency: Open reward system, no centralized control.
• User Control: veCYPR enables governance and reward direction.
• Economic Returns: 100% revenue sharing, spending, and bribe rewards.
• Sustainability: Fixed supply, decaying emissions.
• Accessibility: 18+ chains, 500+ tokens, 40M+ merchants.
• Business Solutions: Web3-compatible tools for team expenses.

Risks of Cypher (CYPR)

• Centralization: Team controls vesting tokens initially.
• Market Volatility: $CYPR demand may be speculative.
• Regulation: Crypto cards and reward systems carry regulatory risks.

Cypher (CYPR) Tokenomics

Total Supply: 1,000,000,000 $CYPR (fixed, non-inflationary).

Distribution:

• Protocol Spend/Referral Incentive: 35% (20-year emission)
• Treasury: 25%
• Past Investors: 15.41% (12-month lock, 3-year linear vesting)
• Team: 10% (12-month lock, 3-year linear vesting)
• Airdrop: 8.5% (genesis distribution to existing users)
• Community Incentives: 5%
• Advisors: 1.09%

Cypher (CYPR) Backers

Cypher is supported by prominent backers, including Picus Capital, Prasanna Sankar, Balaji Srinivasan, Tribe, and Orange DAO.

Official Links

• Website
• X (Twitter)
• Whitepaper

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RedotPay’s Move into South Korea

Founded in 2023, RedotPay drew attention with the launch of its crypto card program in late 2024. In February 2025, the company accelerated its international crypto payment expansion through a partnership with Visa and BIN sponsor StraitsX. As of today, RedotPay serves more than 4 million users worldwide.

The cards, now available in South Korea, can be obtained as either virtual or physical. Virtual cards are priced at $10, while physical cards cost $100. The registration process only requires name, address, and ID verification.

Social media users note the cards are easily accessible. One user on X stated, “There’s no need for a physical card—you can start using it right away on your smartphone after verifying your identity.”

Real-Time Payments with Bitcoin and USDT

RedotPay cards support major cryptocurrencies like Bitcoin and Ethereum, along with stablecoins such as USDC and USDt. Users can load their cards via networks like Solana, Polygon, BSC, Tron, and Arbitrum.

One of the standout features is the instant stablecoin payment and refund system. When a purchase is made, stablecoins are instantly deducted from the user’s wallet. If the transaction is canceled, refunds in USDC or USDT are processed within minutes.

Compatible with Apple Pay

In Seoul, RedotPay offers Apple Pay compatibility, providing a key advantage. Since Apple Pay is currently limited to Hyundai Card users in South Korea, this compatibility could significantly boost RedotPay’s competitive edge.

Crypto Adoption on the Political Agenda

More than 16 million people in South Korea hold cryptocurrency, making it a central issue in the political landscape. Ahead of the 2025 presidential elections, major parties are unveiling crypto-friendly policies.

On May 6, Democratic Party leader Lee Jae-myung pledged to approve spot crypto ETFs if elected. In late April, the ruling People Power Party also made promises including spot ETF approval, stablecoin regulation, and lifting the one-exchange-one-bank rule.

RedotPay’s entry into the Korean market during this period is seen as a major step forward for users embracing the crypto ecosystem.

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The product executes transactions using smart contracts on the Linea network, a layer-2 solution built on Ethereum, with a processing speed of under five seconds.

A New Alternative to Centralized Exchanges

The card enters a competitive field dominated by centralized exchanges such as Binance, Bybit, Coinbase, and Crypto.com, which already offer crypto debit cards. However, MetaMask emphasizes the self-custody model, positioning its card as a safer option following high-profile breaches.

You Might Be Interested In: Elon Musk Talks About the Name of a New Memecoin!

Notably, Bybit was hacked for $1.4 billion in February 2025, a breach that sparked renewed scrutiny of centralized platforms’ security.

Card Uses Smart Contracts for Real-World Spending

Crypto payments have become one of the fastest-growing applications of digital assets in 2025. High-end brands like Dorsia have started accepting crypto, and apps like Signal are reportedly exploring Bitcoin payments between users.

In New York, a proposed bill could soon legalize the use of cryptocurrencies for state-level payments, indicating growing institutional adoption of BTC and stablecoins.

Though MetaMask has faced waning interest — with just $289,312 in fee revenue reported for the week of April 14 — the launch of its new card could reignite user engagement.

You can also freely share your thoughts and comments about the topic in the comment section. Additionally, don’t forget to follow us on our Telegram, YouTube, and Twitter channels for the latest news and updates.

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Avalanche Foundation Collaborates with Rain for Card Development

The Avalanche Foundation, the non-profit supporting the development of the Avalanche blockchain, announced that its Avalanche Card is now live and ready for use. Developed in collaboration with Rain, a blockchain-based card issuing platform, the card allows users to spend AVAX tokens, wrapped AVAX, and the stablecoins USDT and USDC at any Visa-accepting store or online.

You Might Be Interested In: Elon Musk Talks About the Name of a New Memecoin!

This launch marks a significant step in the integration of cryptocurrency with traditional financial technologies. While other teams have also released credit cards tied to cryptocurrency holdings, the Avalanche Card highlights the growing fusion of crypto and traditional finance.

User Sign-Ups Accelerate in Multiple Regions

In October, the Avalanche Foundation revealed plans to target user sign-ups in Latin America and the Caribbean. In Tuesday’s statement, the team reported that sign-ups had accelerated in these regions, as well as in Southeast Asia and Africa.

According to the card’s website, it will be linked to users’ “new self-custody wallet and unique address per asset.”

The Avalanche team added, “In a move to double down on mainstream adoption of decentralized finance (DeFi), Avalanche remains committed to powering accessible inroads to blockchain for every type of user.”

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Bank Identification Numbers (BINs) comprise the first 6 to 8 digits of a card number and provide information about the card’s network, type, and issuing bank. The newly added BIN numbers enhance the capabilities of crypto cards, providing support for a broader range of payments and increasing transaction success rates.

You may notice: Guide to Investing in Cryptocurrencies in a Bull Market!

The review of policies related to virtual asset activities by the Hong Kong Monetary Authority and the Securities and Futures Commission (SFC) on December 22 indicates developments in the crypto space. In an environment where entities like Alchemy Pay are preparing for the adoption of spot crypto ETFs in Hong Kong, this situation may offer more opportunities for interaction and adoption of fiat-crypto payment gateways.

Alchemy Pay is actively involved in the application process for the Money Service Operator (MSO) license and Virtual Asset Service Providers (VASP) in Hong Kong, aligning its development with current trends. Taking steps in strategic partnerships and regulatory compliance, Alchemy Pay continues its commitment to providing users with a fast, simple, and user-friendly solution for accessing crypto assets within the regulatory framework.

In particular, the issuance of guidelines by the Hong Kong government regarding cryptocurrencies and the SFC’s initiation of processing license requests for crypto trading platforms support Alchemy Pay’s rapid integration and growth in the evolving crypto market in this region. These developments create a foundation for Hong Kong, a global financial center, to strengthen its leading position in crypto payments and financial technology.

All these factors support Alchemy Pay’s mission to offer its users in Hong Kong broader and secure payment options during a period when the company continues to strengthen its leadership in the crypto payment industry by focusing on global policy developments.

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