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THORWallet Card represents an ambitious technical achievement in Web3 neobanking, integrating non-custodial DeFi protocols with regulated Mastercard rails. Users praise its self-custody model, seamless wallet-to-card flow, and 0% top-up fees. However, the product suffers from operational inconsistencies: app stability issues (particularly on iOS), opaque fee structures, support friction, and limited long-term user data. The platform excels for technical DeFi users but remains in early-stage rollout with significant challenges for mainstream adoption.
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