From DeFi Wallet to Global Banking: Deep Dive into THORWallet (TITN) — A Web3 Bank with Swiss Accounts and Global MasterCard

Project Background: Why Should Wallets Also Act as Banks?

In the traditional financial era, “bank” means: asset custody, fiat account, payment card, global channels. But in the DeFi era, Wallets typically can only “hold + exchange” cryptocurrency assets, lacking fiat channels, consumption pathways, and daily use scenarios like traditional banks. Thus, the idea of “Wallet + banking” was born.

THORWallet aims to fill this gap: users can not only hold crypto assets and have full control over their private keys within the same application, but also open Swiss bank accounts and obtain global MasterCard cards, thus achieving an upgrade from “holding” assets to “using” them. This is what is meant by the positioning of “WEB3 version of a bank” in this article.

Detailed Explanation of the Three Core Functions of THORWallet

• Non-custodial + Cross-chain Wallet Functionality: THORWallet supports multi-chain asset management and cross-chain exchanges, allowing users to control their private keys, ensuring that assets are non-custodial and control remains in the hands of the user.
• Swiss bank account + fiat channel: Users can open a Swiss bank account for free, supporting fiat currencies such as CHF, EUR, USD, RMB, and have IBAN and SEPA transfer functionality, regulated by Swiss FINMA.
• Global MasterCard/Visa cards: After binding the card to a bank account, it can be used at millions of merchants worldwide (including Apple Pay and Google Pay, etc.), enabling the conversion of cryptocurrency assets into usable fiat currency. The standard card has a low starting fee, and the account and card opening for users is almost free.

Combining these three, it feels like you simultaneously have a DeFi Wallet, a traditional bank account, and a global spending card – everything from asset management to daily use is completed in one stop.

Latest data and collaborations: tokens, cards, platform exposure

Latest update:

• The current price of the TITN token is about 0.05 dollars, with significant daily fluctuations.
• In April 2025, THORWallet announced the launch of its Swiss bank account + card services.
• In early November 2025, it was listed as a featured project on the Binance Alpha platform, enhancing its exposure.
• The project previously announced that its platform’s cumulative trading volume had surpassed the level of 1 billion USD, demonstrating a certain ecological vitality.

Investment and Usage Recommendations: Beginner’s Guide + Risk Warning

Getting Started Guide:

• Download the THORWallet App, complete KYC, and you can open a Swiss bank account and card services (some countries may have restrictions).
• If you already have cryptocurrency assets, you can exchange them across chains through a Wallet or recharge to a Swiss account, and bind a card to conduct daily spending.
• If you are interested in the TITN token, you can pay attention to the timing of its cashback and rights mechanisms launch (such as cashback in TITN for card consumption, etc.).

Risk Warning:

• Service regional restrictions still exist. Certain countries/regions may only support account non-card or limited services.
• Cryptocurrency projects carry overall high risks, and short-term price fluctuations can be significant. Caution should be exercised before investing.
• Although there is a commitment from Swiss banks and cards, the “Wallet + Bank” model is still under development, and widespread adoption will take time.
• The uncertainty of regulatory policies is relatively high, especially in areas such as cross-border fiat channels, banking licenses, and card issuance.

Summary

Overall, THORWallet (TITN) is a highly futuristic project that is not just a Wallet, but attempts to become the “banking” entry point of the WEB3 era: users hold assets, connect to Swiss bank accounts, and obtain global consumption cards, enabling the “holding” and “using” of crypto assets to be completed within the same ecosystem. If you are willing to try something new and hope to bring assets into real-world scenarios, then this project is worth paying attention to.