Is Tangem Pay Safe?
Tangem Pay scores 80/100 on our safety check. Each factor below links to its source.
Safety score
80/100
Strong
Keep only what you plan to spend on the card. Stablecoins remove price risk while funds wait. Spreading funds across two providers limits the damage if one freezes.
Holds a licence or registration outside the tier-one list (Card issued by Nimbus LLC dba Third National, licensed as a Money Transmitter by the Commissioner of Financial Institutions of Puerto Rico (licence TM-0207, NMLS 2612780). Tangem's own pages name Rain, a Visa Principal Member, as the issuer; Third National's site runs on Rain's legal pages.). Source
You hold the keys until the moment you spend. Source
The issuer states that customer funds are held separately from company funds. Source
No proof of reserves is published. Source
No incidents or enforcement actions found in the last 36 months. Source
A complete fee schedule is public. Source
Runs on Visa. Source
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Tangem Pay fees, limits and cashback · Compare Tangem Pay costs · How the score works
Sources
- Tangem Pay: fees · checked September 28, 2026
- Tangem Pay: availability · checked September 28, 2026
- Tangem Pay: cashback · checked September 28, 2026
- Tangem Pay: safety · checked September 28, 2026