Spectrocoin.com pe̲ts'i ngu objetivo proporcionar 'befi ga̲tho jar 'na pa ya usuarios bitcoin. Ho mi 'bu̲i 'nar billetera bitcoin, proporcionan ya 'befi mpa̲ti, 'nar tarheta ar débito bitcoin, ne 'nar njäts'i pa ya ma̲ da aceptan bitcoins ja yá 'befi comerciales diarias. Spectrocoin combinó fiabilidad tecnológica ko ar integralidad ar infraestructura pa da t'ot'e 'nar hontho bitcoin mextha ar hño pa yá clientes.
Tarheta ar débito Bitcoin Spectrocoin
'Befi proporcionados Spectrocoin
Spectrocoin ofrece 'befi ya ida ne ya vuelta pa 'nar jä'i ne zu̲di bitcoin jar nga̲tho ar ximha̲i. Pe̲ts'i 'nar monedero electrónico bitcoin nä'ä to da financiado Hmunts'i ja ya bitcoins comprados propio ár mpa̲ti. Ar tarheta ar débito bitcoin xí ne gastar bitcoins da ngut'ä hei komongu ya bojä fieles. Ar compañía 'nehe proporciona 'nar njäts'i pa ya da̲i ne ya ma̲ pa da tsa da mä hä bitcoin a través de yá 'befi ar comerciales. Pa gi 'yo̲t'e ar integración nä'ä mäs hei tsa̲ pa nga̲tho ya hingi 'bu̲hu̲ 'nar API, Spectrocoin proporciona plugins comercio electrónico ne bibliotecas pa ya da̲i ne ya ma̲ ne ar cartera.
Ar tarheta ar débito Bitcoin ar financia da instante ko bitcoin, nä'ä otho 'medi da ar intercambiar ar criptomoneda 'bu̲ 'be̲tho gut'i. Ar TARHETA VISA ne ya tarheta plástico ar xi utilizar jar 'na cajero automático nga̲tho ar ximha̲i, ya bojä base denominadas ya USD, EUR ne GBP. Tanto ar plástico ngu ya tarheta virtuales ar aceptan jar 20 millones ya sitios ne ya tiendas jar 'ñu a través de Internet. 'Nehe ofrecen 'nar opción pa da propietarios ar negocios cambien ar njut'i bitcoins pa ya ja. Spectrocoin ofrece tarheta empresa komongu njäts'i pa ga̲tho nu yá nä'ä gi 'bu̲hu̲ 'nar bi ja ya delante jar ximha̲i ar 'bede.
Ar tarheta Spectrocoin, ma diferencia xingu ma'ra tarheta ar débito bitcoin, bí envía ja ya xe̲ni ximha̲i jar ximha̲i, da 'ñent'i jar India ne Ntxinä 'nehe ne disponible pa ya ciudadanos estadounidenses, nja'bu̲. Envío normal nu'bu̲ ar gratuito ne ar tarheta tso̲ho̲ 3-4 Ya su̲mänä. Nu'bu̲ 'na quisiera acelerar ar envío, ir nge 'nar 'be̲fi adicional ar $75 yá 69 yá 50 ya opción envío acelerado xi disponible. Da este caso, ar tarheta to da entrega usuarios 4-5 ya pa.
Spectrocoin creó aplicaciones pa teléfonos inteligentes pa ga̲tho nu yá da necesitan zo̲ni yá finanzas dige ar marcha. ¿Ne togo'ä hingi necesitaría nä'ä?? Ar cartera Spectrocoin ar accesible jar Google Play, App Store ne 'nehe ár de̲nda Windows.
The service uses two factor authorization for login. The verification process is not detailed thoroughly on their website. In order to verify the users themselves, they must provide a valid passport or ID card and a utility bill. The AML policy provides details on the documents, but has no information on how much the process itself takes if everything goes well.
Verified users can load their Spectrocoin card with maximum 10000 USD at once. Spectrocoin allows max 2 ATM transactions per day, in a total amount of 2000 USD. There is no limit for POS usage and for verified users Spectrocoin offers POS load services too. If the Spectrocoin card is verified, it is able to receive funds from third party merchants like PayPal and Gambling sites. If any funds is received by an unverified card, these funds are blocked until the card is being verified.
Unverified users may also use Spectrocoin services, however they are then exposed to certain limits. The maximum top-up amount is only 2500 USD. At ATMs unverified users are only able to withdraw 200 USD at a single time, 400 USD daily from maximum 2 transactions. Total ATM withdrawal limit for unverified users is 1000 USD. On the other hand, even unverified users can shop online or pay at POS terminals unlimited amount of money from their bitcoin debit card. POS load service is not available for unverified users.
The UK based Spectrocoin has been launched in 2013. The company has its headquarter in Landsdowne Row, London. They started to issue bitcoin debit cards in May, 2015.
Although Spectrocoin does not list their owners directly on the website, according to Pitchbook and Linkedin the bitcoin service provider is owned by three individuals from Lithuania.
Vytautas Karalevičius before funding Spectrocoin, had various roles as financial analyst in the industry. The third owner is Mantas Mockevicius who has multiple degrees in international business studies. Justas Dobiliauskas is the chief technology officer at the startup due to his 6+ years experience s a developer at enterprise software designing companies.
Precios ne tarifas
Spectrocoin plastic bitcoin card costs $9.00/8.00/£6.00, while the virtual card is only $0.50/0.50/£0.50. There is also a monthly service charge fee of 1 USD for both plastic and virtual cards. However this fee is not charged if the balance of the account is zero. Also, there is no inactivity fee, so users can try out the card relatively easy and cheap.
Loading costs of the cards are free if the funds are coming from a Spectrocoin account. Otherwise the loading costs depends on the method used: transfers from bank is free but via credit card they charge up to 5%. If the card is unloaded to a bitcoin wallet, it costs 0.5% with a minimum charge of $1.00/1.00/£1.00 at each bitcoin purchase transactions. So multiple transfers with small amounts may cost a lot at the end for a user.
When using ATMs, Spectrocoin charges 2.5 USD for domestic currency withdrawal and 3.5 USD for other currency withdrawal. There is also a 3% currency exchange fee that is charged if the payment is made in other than the default currency. When receiving funds to the card, the POS load fee is 1.99%.
Spectrocoin provides the available average bitcoin exchange price at their site. The bitcoin price is given in 26 currencies, including the price in gold and altcoins like dash too. The Spectrocoin bitcoin price is within the acceptable bid-offer range of the average bitcoin price on the market.
|Delivery||3-4 Ya su̲mänä||Instant|
|Monthly service charge fee**||$1.00/€1.00/£1.00||$1.00/€1.00/£1.00|
|Card top up from SpectroCoin account||0%||0%|
|Card to Bitcoin wallet (Buying bitcoin)||0.5% + $1.00/€1.00/£1.00||0.5% + $1.00/€1.00/£1.00|
|ATM withdrawal in domestic currency||$2.5/€2.25/£1.75||–|
|ATM withdrawal in other currencies||$3.50/€2.75/£2.25||–|
|3rd party load||1.99%||1.99%|
|Normal shipping (up to 3-4 Ya su̲mänä)||Gratis||–|
|Expedited shipping (4-5 ya pa)||$75/€69/£50||–|
User Experience Spectrocoin
The platform of Spectrocoin has a blue and yellow style with a spotless design. In order to ease the reading of tables like the pricing schedule, the pointed rows are emphasized with highlighting. Small thing, but helps a lot if a user is looking a hug table with multiple rows.
At the bitcoin price section, there is a chart showing the bitcoin price for a given timeframe. Users can easily read the historic prices directly from the chart in any of the 26 currencies.
Spectrocoin website although provides a lot of information on the services, still does not include everything handy that a possible future user may need. The FAQ does not offer a search function. The verification timeline is not detailed. The owners of the company are not listed on the site. These information alone doesn’t seem too important, but when a user is looking for something and cannot find, it can be frustrating. For these situations however the Hot Line and the Support should be able to suffice.
An interesting important point to add is the Google search results of Spectroin. It looks like some users had issues with the company as the bitcoin forum has some open topics about people complaining about Spectrocoin locking bitcoins and not responding to queries. Spectrocoin by so far have not defended themselves on these charges. It is well-known that at a bitcoin exchange accounts the bitcoins are never safe, so we encourage everyone to store their bitcoins safely.
Bitcoin Prepaid Card Limits
|Max number of Top-ups per day||2|
|Max Top-up amount per purchase||$10,000/€10,000/£8,000|
|Max Top-up amount per day||$20,000/€20,000/£16,000|
|POS load***||No limit|
|Max lifetime load||No limit|
|Max number of ATM transactions per day||5|
|Max single ATM withdrawal||$1,000/€1,000/£800|
|Max ATM withdrawal per day||$2,000/€2,000/£1,600|
|Total ATM withdrawal limit||No limit|
|Max POS amount per day (shops)||No limit|
|Max number unload to Bitcoin wallet transactions per day||2|
|Min unload to Bitcoin wallet||$2/€2/£2|
|Max unload to Bitcoin wallet||$2,250/€2,250/£2,000|
|Total lifetime unload from card||No limit|
Spectrocoin provide complex services for bitcoin users. The bitcoin debit cards are available for all users world-wide which is a big pro as most bitcoin debit card companies does not support US citizens. The user base is also expanded to the Windows mobile users that is not likely at other bitcoin debit card providers. Although the service and the pricing is relatively decent, ar envío ar hmädi ne ya quejas Internet xi asustar ja ya usuarios ar plataforma.