What if your crypto wallet could replace your bank?

In this forward-looking episode of the Efani Features Podcast, host Mark Kreitzman sits down with Marcos Nunes, CEO of Tangem Pay, to explore how payments, crypto, and self-custody are converging into something much bigger: the banking model of the future.

With over a decade in global payments – spanning Visa, Mastercard ecosystems, and decentralized finance – Marcos breaks down how Tangem is evolving from a secure hardware wallet into a full financial ecosystem where users can store, spend, and grow their wealth without relying on traditional banks .

💳 Inside This Episode:

•  What Tangem Pay is and how it turns your crypto into a usable, everyday payment method 
•  How a Visa-powered crypto card integrates with self-custody wallets 
•  Why Tangem separates wealth storage (cold wallet) from spending accounts for maximum security 
•  The concept of becoming your own bank — and why DeFi is enabling it 
•  How global payment rails (ACH, SEPA, PIX, etc.) are being integrated into crypto ecosystems 
•  Why most financial systems still rely on 1960s infrastructure — and what replaces it next 
•  The difference between custodial vs. non-custodial finance — and why it matters 
•  How Tangem Pay handles compliance, identity, and regional restrictions without controlling your funds 

🏦 The Big Idea: Banking 3.0

Marcos introduces a powerful shift in financial thinking:

• Banking 1.0 → Traditional banks with physical branches 
• Banking 2.0 → Neobanks and mobile apps 
• Banking 3.0 → Self-custody + decentralized finance 

In this new model:

•  You control your assets 
•  You decide when and how to spend 
•  You choose which services to use (lending, staking, payments) 
•  And no single institution has full control over your money 

As Marcos puts it, the goal is simple:
 Give users the rails – not custody of their wealth.

🔐 Security by Design

One of the most critical takeaways from this episode is how Tangem approaches security:

•  Your cold wallet remains completely separate from your spending account 
•  Only the funds you move to Tangem Pay are linked to your identity 
•  Your core assets remain private, unlinked, and fully under your control 

This architecture ensures that even in worst-case scenarios – hacks, restrictions, or compliance blocks – your primary assets remain untouched.

🚀 Why This Matters

The line between crypto and traditional finance is disappearing.

From Apple Pay integrations to crypto-backed debit cards, the future isn’t about choosing between fiat and crypto – it’s about seamless interoperability.

Tangem Pay is building toward a world where:

•  You can tap your phone or card anywhere 
•  Spend crypto like cash 
•  Earn yield on idle assets 
•  And never give up custody of your wealth 

🎯 Who This Episode Is For

•  Crypto investors and self-custody advocates 
•  Anyone exploring crypto debit/credit card solutions 
•  High-net-worth individuals focused on asset protection 
•  Users frustrated with traditional banking limitations 
•  Anyone curious about the future of money 

🔗 Learn more about Tangem Pay: https://tangem.com/en/tangem-pay
 📱 Secure your mobile identity with Efani: https://efani.com
 🎙 Hosted by Mark Kreitzman, General Manager at Efani