EB1 LIMITED

What EB1 LIMITED does

EB1 LIMITED is a Dubai-headquartered fintech platform, incorporated under the Dubai International Financial Centre (DIFC), that operates an invite-only private membership program centered on a crypto-backed charge card. The core product is the EB1 Card, issued by licensed third-party financial institutions pursuant to a Visa license, enabling real-time conversion of cryptocurrencies (BTC, ETH, USDC, USDT and others) into fiat for spending at over 100 million merchants and ATMs worldwide. Card collateral is held via authorized custodians, with liquidation events triggered if collateral falls below a maintenance threshold. Members access the card through three tiers — Gold (entry), Platinum (premium), and Black (invitation-only) — with escalating privileges that include differentiated FX spreads, dedicated relationship managers, travel insurance and purchase protection, airport lounge access, private event priority booking, and curated investment networking.

The business model is built on annual membership subscriptions and transaction-based fees, including foreign exchange markups (up to 3% for non-settlement currency), cross-border transaction fees (up to 3%), and ancillary fees such as late and returned payment fees. Distribution is digital-first through a web and mobile platform with human concierge escalation for premium tiers; the card integrates with Apple Pay and Google Pay. Go-to-market targets globally mobile high-net-worth individuals, business and commercial users, and ultra-high-net-worth founders, investors, and principals. The platform extends into lifestyle through concierge services (private aviation, yacht sourcing, VIP dining, wellness and longevity experiences), an ecosystem anchored by the $EB1 Token, and the EB1 Racing motorsport sub-brand. The company is privately held, with no disclosed funding rounds, headcount, or revenue figures, and the card is currently in early-access mode with full commercial activation scheduled for Q3 2026.

Name

EB1 LIMITED

Legal name

EB1 LIMITED

Website

https://eb1.io

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

EB1 LIMITED is a Dubai-based fintech platform offering an invite-only private membership program built around a crypto-backed Visa charge card with real-time crypto-to-fiat conversion and tiered concierge lifestyle services for globally mobile high-net-worth individuals.

Ownership category

akta.pro rank

Product category

Crypto-Backed Premium Payment Cards and Lifestyle Membership

NAICS

Credit Card Issuing (522210)

SIC

Finance Services (6199)

akta.pro industry

PRIMARYFSAMANAA

Open-Loop Prepaid Cards (Network-Branded)

Financial & Insurance/Payments & Transaction Processing/Prepaid, Gift Cards & Stored Value

SECONDARYFSAMANAJ

Virtual Prepaid & Single-Use / Tokenized Cards

Financial & Insurance/Payments & Transaction Processing/Prepaid, Gift Cards & Stored Value

Keywords

• Crypto payment cards
• Private membership programs
• Foreign exchange services
• Crypto-to-fiat conversion
• Lifestyle concierge services

Headquarters

HQ city

Surbiton

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Others

Revenue model

1. Membership Fees: Subscription-based membership tiers (Gold, Platinum, Black) with annual billing; Black membership is invitation-only
2. Transaction Fees: Foreign exchange fees (up to 3% for non-settlement currency), cross-border transaction fees (up to 3%), late payment fees (up to USD 40), returned payment fees (up to USD 29)
3. Concierge Services: Premium concierge and lifestyle facilitation services included with membership tiers
4. Platform and Service Fees: Fees for platform access and premium services charged by EB1

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

EB1 LIMITED operates a private membership platform anchored by the EB1 Card, a crypto-backed premium charge card that enables instant conversion of stablecoins, BTC, and ETH into fiat for real-time global spending. The offering is structured across three membership tiers (Gold, Platinum, and Black) with escalating card limits, FX spreads, and concierge access, supplemented by a hybrid AI-plus-human concierge service, the $EB1 token ecosystem, and curated lifestyle privileges such as travel, events, private aviation, and luxury sourcing.

Product overview

EB1 is a fintech platform offering a private membership program centered on the EB1 Card—a crypto-backed charge card with instant fiat conversion for global spending. The platform operates across three integrated pillars: regulated global payment access via authorized partners, concierge-led lifestyle services, and a curated private member network. The core product portfolio includes the EB1 Card available in three tiers (Gold, Platinum, Black), supported by EB1 Concierge Services, the $EB1 Token ecosystem, and the EB1 Racing initiative. Members can top up cards with BTC, ETH, and stablecoins for real-time spending at 100M+ merchants worldwide, while accessing premium privileges including travel planning, event access, and personalized concierge support.

Differentiator

Problem solved

Functional benefit

Brands

• EB1 Card: A premium, crypto-backed physical and digital charge card enabling real-time crypto-to-fiat spending with concierge privileges and lifestyle access across three membership tiers: Gold, Platinum, and Black.
• EB1 Token
• EB1 Membership
• EB1 Ecosystem

Products and services

• EB1 Card A crypto-backed premium charge card enabling real-time crypto-to-fiat conversion for global spending, supporting BTC, ETH, and stablecoins (USDC, USDT); available across three tiers (Gold, Platinum, Black) with varying limits, FX spreads, and concierge access; issued by licensed third-party financial institutions pursuant to a Visa license and accepted at 100M+ merchants and ATMs worldwide; physical and digital card with Apple Pay and Google Pay support.
• EB1 Membership Program An annual private membership program with three tiers (Gold, Platinum, Black) that bundles the EB1 Card with escalating privileges: Gold provides crypto off-ramp integration, basic concierge access, and limited lifestyle access; Platinum adds higher card limits, preferential FX spread, dedicated relationship manager, airport lounge access, travel insurance, purchase protection, and curated networking events; Black (invitation only) adds ultra-high limits, best-in-class FX spreads, 24/7 human-first private concierge, dedicated relationship manager, private aviation coordination, yacht sourcing, global medical/security coordination, and leadership forums.
• EB1 Concierge Services Premium concierge and lifestyle facilitation service providing personalized assistance for bookings, travel planning, VIP dining reservations, private event priority booking, luxury retail partnerships, yacht sourcing, private aviation, global medical and security coordination, art and collectibles introductions, and last-minute requests; delivered via hybrid AI + human escalation across membership tiers, with Platinum and Black tiers receiving dedicated relationship manager support.
• EB1 Token ($EB1) The native token ($EB1) powering the EB1 ecosystem and delivering value across the platform's touchpoints, including the EB1 Card and membership tiers; documented in the EB1 white paper.

Quantifiable outcome

• Card accepted at 100M+ merchants and ATMs worldwide

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability1 record

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• VisacoreTechnology or IntegrationEB1 Cards are issued pursuant to a license from Visa, enabling worldwide acceptance at over 100 million merchants and ATMs. This partnership provides the payment network infrastructure for the EB1 Card product.
• Licensed Third-Party Financial InstitutionscoreTechnology or IntegrationThe EB1 Card is issued by regulated financial institutions under applicable licensing requirements. These partner institutions handle card issuance, payment processing, settlement, and credit obligations. EB1 acts as program facilitator and technology provider.
• Compliance, KYC and AML Service ProviderscoreImplementation/ SI/ Consulting PartnerThird-party service providers conducting identity verification, sanctions screening, and compliance monitoring in accordance with regulatory requirements including AML, CTF, and KYC obligations.
• Authorized Custodians and Collateral Service ProviderscoreTechnology or IntegrationThird-party custodians maintain digital assets held as collateral for card charges. Collateral serves as security for charges incurred; value monitoring and potential liquidation events managed through these partners.
• EB1 RacingminorStrategic or Co-development PartnerEB1 Racing competes across professional racing championships, representing the EB1 brand in motorsport. The racing team is part of the EB1 ecosystem demonstrating performance, precision, and discipline.

Scale indicators4 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Crypto.com: Direct competitor issuing crypto-backed Visa cards across multiple tiers (with concierge-like benefits on Obsidian and higher) and operating a native token ecosystem. Closest one-to-one comparable in combining card, token, and membership benefits.
• Wirex: Direct competitor offering a crypto-backed Mastercard with multi-currency wallet and token rewards; similar product architecture to EB1 Card with crypto-to-fiat conversion at point of sale and tiered membership benefits.
• Nexo: Direct competitor offering a crypto-collateral-backed Mastercard with similar liquidation-mechanism economics; comparable in targeting crypto holders who want real-world spend utility against digital-asset holdings.
• BitPay: Direct competitor offering a Visa-backed crypto prepaid card with crypto-to-fiat conversion; comparable in converting digital assets into card-based spending, though with a broader mass-market positioning rather than HNW focus.
• Bybit (Bybit Card): Direct competitor that launched a crypto-backed payment card targeting globally mobile crypto-active users, with multi-tier benefits and crypto-to-fiat conversion at merchant acceptance.

Others

• Ten Lifestyle Group: Adjacent comparator as a pure-play digital concierge and lifestyle service provider for HNW and corporate clients; comparable to EB1's Platinum/Black concierge offering but without the payments or crypto components.

Emerging players

• Matrixport: Comparable Singapore/Dubuy-based crypto financial services platform offering crypto cards and wealth products for retail and HNW clients across Asia and the Middle East; overlaps with EB1 on geography and target segment.

Broad incumbents

• American Express (Centurion / Platinum): Broad incumbent operating the premium-tier card category that EB1's Black tier emulates; comparable on concierge services, lifestyle privileges, and invitation-only positioning, though without the crypto-native collateral architecture.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/eb1_official
• Facebookfacebook.com/profile.php?id=61573991724431
• LinkedInlinkedin.com/company/eb1lifestyle
• Instagraminstagram.com/eb1_official

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EB1 LIMITED