# Pulsar Money

> One app for all your money. Pulsar Money is a fintech app that holds fiat and crypto in one account with card spending, agentic payments via AI agent cards, swaps, stablecoin yields, and SEPA/SWIFT transfers.

Pulsar Money combines traditional banking with digital assets in a single unified platform. It is not a bank — it is a fintech application that abstracts the complexity of blockchain and multi-currency management into a seamless experience. Users hold EUR, USD, GBP, BTC, ETH, stablecoins, and 1,000+ tokens in a single account without separate wallets or chain labels. The platform is targeting a Q2-Q3 2026 launch with no fees at launch.

## Consumer App

The consumer app at [pulsar.money](https://pulsar.money) is a personal fintech application with the following capabilities:

### Multi-Currency Accounts

Users hold traditional currencies (EUR, USD, GBP) and digital assets (BTC, ETH, stablecoins, 1,000+ tokens) in one unified account. There are no separate wallets, no blockchain labels, and no chain management required. The experience abstracts all blockchain complexity — users think in currencies, not chains.

### Crypto Card

A physical and digital debit card that works anywhere. When a user makes a purchase:

- If fiat balance is sufficient, it pays directly
- If fiat is insufficient, the card auto-converts cryptocurrency to the required fiat currency at the moment of purchase
- Users can set preferences for which crypto converts first
- Supports Apple Pay and Google Pay

### AI Agent Cards (Agentic Payments)

Users can delegate virtual cards to AI agents with customizable rules:

- Set spending budgets per agent
- Define allowed merchant categories and purchase types
- Agent handles routine purchases (groceries, errands, regular buys) within preset limits
- Full control and visibility over agent spending

### Swaps

Intuitive currency swapping that feels like a forex exchange:

- Fiat-to-crypto: EUR to BTC, USD to ETH
- Crypto-to-crypto: ETH to SOL, BTC to USDC
- Crypto-to-fiat: USDC to GBP, BTC to EUR
- 1,000+ tokens supported
- Best rates across chains with routing abstracted
- No gas fees or chain selection required from the user

### Stablecoin Savings

Earn approximately 5.2% APY on stablecoins through curated DeFi strategies. Traditional savings accounts offer near-zero interest — Pulsar provides DeFi-native returns without requiring users to understand DeFi protocols.

### Round-Up Savings

Every purchase rounds up to the nearest euro. The difference automatically goes to a savings goal. Small amounts compound over time into meaningful savings.

### Transfers

- SEPA instant bank transfers across Europe
- SWIFT international transfers
- Local instant rail transfers
- Works the same whether the money started as EUR, USDC, or any other asset
- Fund accounts from Ethereum, Solana, Base, and Arbitrum

### Spending Insights

- Category breakdowns showing where money goes
- Weekly spending summaries
- Merchant tracking
- No need to export CSVs or connect third-party apps

### Subscription Tracker

See all recurring charges in one place. Cancel subscriptions in one tap. Never pay for forgotten subscriptions again.

### Pulsar Points

A rewards program where users earn points for using the platform. Points unlock benefits and create organic engagement through daily app usage.

## Business Infrastructure

The business platform at [pulsar.money/business](https://pulsar.money/business) provides end-to-end fintech infrastructure for digital businesses.

### Payment Infrastructure

Built in collaboration with Rhuna, the payment infrastructure supports:

- POS and Soft POS terminals for physical retail
- QR codes and payment links for online and in-person payments
- Full API for custom integrations
- Accept any currency — crypto, stablecoins, or fiat
- On-chain settlement with fiat off-ramps
- 2M+ on-chain transactions processed
- 20+ chains supported

### Gamification Infrastructure (Pulsar Portals)

White-label customizable engagement platforms:

- 45+ quest types including quests, leaderboards, badges, profiles, and referrals
- Auto-generated from configuration — no developer work required from the client
- Anti-Sybil protection to prevent fraud
- Organic passive rewards tied to real app usage
- From idea to live portal in approximately 2 weeks
- 9M users on platforms built with Portals

Supporting features include:

- Quest multipliers for engagement
- Reward tiers based on card spending
- Token-gated tasks
- NFT ownership gating
- Social competitions
- Live progress tracking
- Tiered loyalty programs

### Case Studies

**Linera Portal**: 300K+ users, 5.2M predictions placed, 23.4M GMIC trade volume. Features reward tiers, loyalty milestones, and gated tasks.

**MultiversX Battle of Nodes**: 5M+ transactions, 5+ bugs found, 100+ validators onboarded. Security, validator, and builder quest tracks with daily challenges.

**Swapper Portal**: 30% more swap volume, 4+ apps integrated, 20K+ users with swaps. Passive volume-based tasks with ecosystem integration.

**Bitget x Untold Festival**: ~2,500 KYC acquisitions in under 4 days. On-site festival campaign with 100 winners rewarded.

## Partners

Euler, Arbitrum, Avalon Labs, xMoney, Sei, Satlayer, Linera, Untold, Bitget.

## Platform Stats

- 500K+ accounts created on Pulsar platform
- 7M+ users reached via whitelabel infrastructure
- 200+ earn campaigns delivered
- 2M+ on-chain transactions
- 20+ chains supported
- 9M users on Portals-built platforms

## Supported Currencies

**Fiat**: EUR, USD, GBP, and all major European currencies.

**Crypto**: BTC, ETH, SOL, USDT, USDC, BNB, XRP, DOGE, ADA, and 1,000+ tokens.

**Stablecoins**: USDT, USDC, and other major stablecoins.

## Supported Chains

Ethereum, Solana, Base, Arbitrum, and all major EVM chains.

## Launch & Pricing

- Demo launch: Q2-Q3 2026
- No fees at launch
- Fee structure to be introduced later with advance notice and full transparency

## Existing Infrastructure

Pulsar is not starting from scratch. The company already operates a live dashboard and the Pulsar Portals whitelabel engagement platform, serving hundreds of thousands of accounts and millions of users globally.

## FAQ

**When is Pulsar launching?**
Targeting Q2-Q3 2026 for the consumer app launch.

**Are there any fees?**
No fees at launch. A transparent fee structure will be introduced later with advance notice.

**What chains are supported?**
Ethereum, Solana, Base, Arbitrum, and all major EVM chains. Users never need to think about chains — the platform handles routing automatically.

**Does it support Apple Pay and Google Pay?**
Yes, both Apple Pay and Google Pay are supported.

**What currencies are supported?**
EUR, USD, GBP, BTC, ETH, stablecoins, and 1,000+ tokens.

**How does crypto-to-fiat conversion work?**
When you make a card purchase and your fiat balance is insufficient, the card automatically converts your preferred cryptocurrency to the required fiat currency at the moment of purchase. You set the conversion priority.

**What are AI agent cards?**
Virtual cards you delegate to AI agents with custom spending rules. Set budgets, merchant categories, and purchase types. The agent handles routine purchases within your defined limits.

**What is Pulsar Money?**
A fintech app that combines traditional banking and crypto in one account. Multi-currency balances, card spending with auto conversion, AI agent cards, swaps, stablecoin yields, and global transfers.

## Links

- [Homepage](https://pulsar.money)
- [Business Solutions](https://pulsar.money/business)
- [App Dashboard](https://app.pulsar.money)
- [Privacy Policy](https://pulsar.money/privacy-policy)
- [Terms & Conditions](https://pulsar.money/terms-conditions)

## Contact

- Email: contact@pulsar.money
- Twitter: @paboracle