SpectroCoin
Baltic crypto wallet + card.
- Who holds it
- An e-money institution holds your balance in a safeguarding account — Crypto VASP (Lithuania); e-money IBANs and Visa cards via UAB Pervesk (Bank of Lithuania EMI No. 17).
- The ledger
- The e-money institution’s own ledger.
- If it fails
- Safeguarded funds are returned in administration — ring-fenced, but access can be frozen and slow.
Derived from SpectroCoin’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | hybrid |
| HQ | Vilnius, LT |
| Founded | 2013 |
| Custody | Custodial |
| Regulation type | E-money institution |
| License detail | Crypto VASP (Lithuania); e-money IBANs and Visa cards via UAB Pervesk (Bank of Lithuania EMI No. 17) |
| Card | Visa · Prepaid |
| Stablecoins | Yes |
| KYC | Yes |
| Active regions | Europe |
Verified links: official site ↗
Common questions about SpectroCoin
What is SpectroCoin?
SpectroCoin is a fiat-and-crypto neobank, headquartered in Vilnius, LT and founded in 2013. Your money is held custodially, so SpectroCoin or its partner bank holds the balance and you hold a claim on it. It is regulated as an e-money institution (Crypto VASP (Lithuania); e-money IBANs and Visa cards via UAB Pervesk (Bank of Lithuania EMI No. 17)).
Does SpectroCoin have a card, and where can you use it?
It issues a Visa prepaid card. It is available in Europe.
Does SpectroCoin require KYC?
Yes. SpectroCoin requires identity verification (KYC) to open an account, as a e-money institution.
Peers
Revolut · Crypto.com · Binance Card · Bybit Card · OKX Card · Bitget Card
SpectroCoin appears in
Neobanks authorised as e-money institutions (48) · Neobanks available in Europe (144) · Neobanks that issue a Visa card (182)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.