Tangem
Sold millions of card-shaped hardware wallets, then made the wallet itself spendable: Tangem Pay (Dec 2025) turns self-custodied USDC into a Visa — the hardware company quietly becoming a neobank.
Card-shaped hardware wallet maker; Tangem Pay spends self-custodial USDC on Polygon — live US/LatAm/APAC/MEA, EU/UK planned.
The facts
| Category | web3-native |
| HQ | Zug, CH |
| Founded | 2017 |
| Custody | Self-custodial |
| Regulation type | Self-custodial software |
| Licence detail | Self-custodial; funds in a user-controlled smart contract (USDC on Polygon); card by Paera LLC, issued by Third National via Rain |
| Card | Visa · Virtual (physical planned) |
| Cashback | Up to 4% (promo) |
| Stablecoins | Yes |
| KYC | Card only |
| Active regions | North America, Europe, Latin America, Africa, MENA, Asia, Oceania |
| Countries | Global |
| Founders | Andrey Kurennykh, Andrew Pantyukhin, Andreas Schmucki |
| Funding | ~$23M raised ($15M SBI Group 2019; Shima Capital 2023) |
Verified links: official site ↗ · terms ↗ · privacy ↗ · @tangem ↗
Early investors
comparePut Tangem side by side with any of the other 373 tracked neobanks in the directory — custody, licence, cashback, yield, stablecoins and geography in one view.
Peers
Phantom · MiniPay · Eco (Beam) · Dakota · MetaMask · Solflare
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.