One app: 30+ currency accounts with your own IBAN, mid-market swaps, up to 8.2% APY, and metal cards from Pulse to the invite-only Void. Moves money between your mSamex exchange and your card in one tap — instant, free, 24/7.
Built app-first. No desktop dashboard, no branch, no paperwork — a full money stack that fits behind your thumb.
8 balances out of the box — EUR, USD, GBP, SEK, stablecoins, vaulted gold. Your own Estonian IBAN for salary and SEPA.
30+ CURRENCIESThe real rate — the one banks keep for themselves. Rate history, savings vs your bank, fee shown before you commit.
0.0–0.5% MARGINFlexible euro at 3.2%, stablecoins to 8.2% with tier boosts. Interest lands every morning at 06:00. Withdraw anytime.
UP TO 8.2% APYFive finishes from Pulse to the numberless Void — Graphite and Void in real metal. Denominated in AED, USD or EUR; hold all three. Freeze, limits, dynamic CVV.
PULSE → VOIDThe ecosystem AI reads your balances and rates, then says the one useful thing: what to swap, when, and what it saves.
INSIGHT · CHATFace ID, passkeys, 2FA, trusted devices, login history, approval rules above your thresholds. You set the tripwires.
PASSKEYS · 2FAGrab the ring and spin it — five finishes holding formation in space. The one facing you is readable below; click it to explore the collection.
No number, no name — one mint node at the core. Aurum history reviewed quarterly; the desk reaches out, not a bot.
Your mSamex exchange account and your card share one ledger. Close a position and pay for dinner with it a second later — internal transfers are instant, free, and never leave the mesh.
mSamex has run regulated digital-asset markets from Tallinn since 2021. Every service shares one account, one KYC, one balance sheet — the mesh.
Crypto + forex, spot and perpetual futures. Sam as your AI trading support.
SpotCLASSIC · 2021The original venue. 200+ pairs, deep books, maker rebates.
EarnSTAKINGOn-chain staking and flexible yield, the engine behind the app's APY.
P2PDEXPeer-to-peer markets with escrow. Your money, your counterparty.
CardTHIS APPAccounts, swaps, earn and metal cards — the spending end of the mesh.
GatewayMSAMEX.COMOne front door to all of it, with Sam waiting at the desk.