Crypto/MCO Review: The Crypto Powered Visa Card

The domain was registered all the way back in 1993 by Matt Blaze, a well known cryptographer.

As you might imagine, he has been fielding quite a few offers for that domain since cryptocurrencies took off, but had repeatedly said the domain wasn’t for sale.

That is until Monaco approached him and he decided to sell them the domain!

They took this purchase and used it to rebrand themselves to, with a new stated goal of accelerating “the world’s transition to cryptocurrency”.

Along with the rebrand the cryptocurrency products have been put under the MCO umbrella to align with the name of the cryptocurrency. So far that includes the MCO token, the MCO wallet app, the MCO Visa Card, and most recently the MCO Crypto Invest service.

This article will go over the features now available from and highlight some of the upcoming features that are yet to be released. For extensive details you can read the MCO Whitepaper 2.0 MCO Platform Overview is building the services on the MCO platform to solve the accessibility and usability challenges faced by the broader blockchain industry. One of the most anticipated of these products is the MCO Visa Card.

The MCO Visa Card is the return of’s plan to link a Visa card with cryptocurrency accounts, allowing users to easily spend their cryptocurrency on everyday purchases, wherever Visa is accepted.

Monaco Card and Application

The MCO visa cards and mobile app. Source:

In addition to the MCO Visa card, the rebrand has become the home for a number of MCO products and services. Already included is the MCO wallet app and the MCO token. And the most recent addition is Crypto Invest, which will allow for easy crypto investments.

Planned products include Crypto Credit, which will give users a credit line based on MCO tokens held as collateral, and MCO Private which will offer specialized products and services for high net-worth individuals.

The MCO Visa Card

The portfolio of MCO Visa Cards offered by range from the top of the line Obsidian Black, which requires a 50,000 MCO stake, to the baseline Midnight Blue, which has no staking requirement. Each level comes with additional perks, which can be seen in detail here.

By pairing the MCO Visa Card with the MCO wallet users can spend their cryptocurrency seamlessly at the over 40 million retailers globally who accept Visa.

And the list of benefits for card holders rivals that of any of the best Visa rewards cards. Users can enjoy use of a Visa card with no annual fees, get free shipping, receive up to 2% cashback on purchases, and select cards get unlimited airport lounge access.

Users also have the ability to spend overseas and receive interbank exchange rates. And with the Platinum Referral Reward Program it’s possible for users to receive up to $10,000 sign-on bonus!

Since the MCO Visa card was one of the cornerstone’s of since its inception, the MCO Visa card program is already well known. Over two years in the making, has had time to refine and perfect its offering, giving its users the best possible Visa debit card. And soon they will offer a low-rate credit service on the card as well. has just begun shipping the first batch of MCO Visa Cards to customers in Singapore, and the next batch are expected to be released to European customers presently. U.S. customers are expected to begin receiving their cards sometime in the 1st quarter of 2019. The company has a backlog of over 70,000 cards to be delivered, so that is expected to take some time.

One benefit of the bear market for those looking to get an MCO Visa Card is the lowered level of commitment. With MCO tokens now priced at just $1.86 it is far less expensive to secure a top MCO Visa Card.

While the Obsidian Black still requires nearly $100k in MCO tokens, the next level Icy White MCO Visa Card can be had for just $9,300 and a Ruby Steel card with 1% cashback requires a stake of just 50 MCO, valued at $93. In between these tiers are the Jade Green and Royal Indigo cards, which require 500 MCO staked.

MCO Private

The MCO Private feature hasn’t been launched yet, but it is a service that will be tailored to the needs of the MCO Visa Obsidian Black and Icy White cardholders. The specialized services and accesses are meant to meet the needs of high net-worth cryptocurrency holders.

There is an MCO concierge service available to MCOPrivate clients, as well as invitations and access to exclusive blockchain industry events. Customers will also receive advice on digital asset custody services, competitive investment opportunities, assistance with over-the-counter transactions, and dedicated customer support.

MCO Wallet App

The MCO wallet has been well received, with a 3.9 rating on the Apple App Store and a 3.7 rating on the Google Play store. One of the great features is the ability to but Bitcoin, Ethereum, Ripple, Binance Coin and MCO tokens right from the wallet, using a linked credit or debit card and soon via bank transfer. Apple Store

Screenshots of the Mobile App. Image Source: Apple Store

It also has support for seven fiat currencies, including USD, JPY and EUR. You can even exchange between fiat currencies at real-time interbank rates, saving you up to 8% versus rates at high street banks.

If you’re looking to avoid transfer fees the MCO wallet can do that too. Send crypto and fiat directly to other wallet users instantly with no fees.

The MCO wallet also rewards you for sharing with your friends. You can get 10-25% referral commission on every purchase made by someone who downloads the wallet from you unique referral code. And you can get sign-up bonuses as large as $10,000.

Finally, traders and investors will be thrilled with the ability to track more than 200 different cryptocurrencies. Charts are available versus the USD or versus BTC and give data for price, volume, percent change and much more. This feature meshes well with the newly launched Crypto Invest service.

MCO Crypto Invest

Early in October launched a new service for eligible customers called Crypto Invest. It’s a cryptocurrency portfolio and trading tool that simplifies investing and trading in cryptocurrencies. Users can create their own customized portfolios and trade automatically based on market signals.

Crypto Invest App

User interface of the Crypto Invest function in Mobile App

Unlike other products, Crypto Invest isn’t only a basket of cryptocurrencies. Instead it is a set of trading strategies that will perform in any market. And it’s great for those just beginning their crypto investment portfolio, since users can get started with as little as $20 USD.

According to Kris Marszalek, the co-founder and CEO of

We’ve worked on Crypto Invest for over a year, including three months in a closed beta. During that time, a plethora of crypto investment products launched in the marketplace, all of them designed as currency baskets or crypto indexes. These efforts are destined to fail in a bear market.

How does Crypto Invest Work?

It’s pretty well known that the prices of all of the altcoins in the market are highly correlated to Bitcoin, and this has made diversification strategies difficult to conceive and ineffective in practice. Something more is needed to reduce market risk in cryptocurrencies.

Crypto Invest tries to fix this by using advanced quant trading strategies that have been designed to perform well in any market. And there is no fee for using Crypto Invest unless profits are made. That means no entry fee, exit fee, rebalancing or fee for assets under management. takes just 9% of profits for those with MCO tokens staked, or 18% of profits otherwise.

Crypto Invest comes with the following features and functionality:

Crypto Invest Portfolios

These are basic portfolios that give users access to as many as 30 different cryptocurrencies. The portfolios are tailored to risk appetite as follows:

  • Growth: higher growth, higher risk
  • Balanced: moderate growth, moderate risk
  • Conservative: reduced growth, minimal risk

Crypto Invest Trading Strategies

The trading strategies included with Crypto Invest are not short term day trading or scalping strategies. Instead they were developed as mid-to-long term strategies for use on a scale of days to weeks. Currently there are three strategies in use to manage portfolios:

  • Automated Trading: Hands off set of strategies that capture market movements based on market sentiment.
  • Market Following: An equal representation of the top assets in the market.
  • Stable: Stablecoin positions used to decrease risk and provide risk management.

Additional Crypto Invest Features

  • Easy to Start: Low minimum $20 investment
  • Easy to Leave: No exit fees or penalties
  • Fair Fees: No fees are collected unless you make a profit. What could be more fair?
  • MCO Utility: Customers that stake MCO tokens can receive a 50% discount on all fees chared by Crypto Invest.

Note: Due to regulatory requirements, Crypto Invest is not currently available in the United States of America, Hong Kong, and Singapore.

MCO Credit Services

Another feature that is in the works is the MCO Credit Services. This will be a revolutionary product that allows you to get the credit you need and deserve by staking MCO tokens. So, if you stake $10,000 worth of MCO tokens you can get a credit line of $6,000.

Benefit of Credit Services

Benefits of’s Credit Services

But unlike traditional credit cards there are no statements and no minimum payments. You pay the credit advances off as you like. If you can’t, or don’t wish to pay your MCO tokens can be used to pay off the debt.

MCO Token

The utility token that is powering the ecosystem is the ERC20 MCO token. This was issued in an ICO crowd-sale that the team held back in June of 2017. They raised $26 million in exchange for the first issue of the MCO tokens.

MCO will be used in the ecosystem in order to earn rewards on purchases and staking, and to pay for referrals. MCO has followed the rest of the market and peaked back in August of 2017. Since then they have followed the rest of the market as 2018 entered bear territory.

MCO can be purchased and traded on a number of global exchanges currently including Binance, Bit-Z and the soon Crypto’s own exchange!


It seems as if the re-brand means a lot more than just a name change for Monaco. The company is actively delivering their MCO Visa Cards and have introduced a number of other initiatives such as the Crypto Invest product.

The upcoming MCO credit services sound very interesting as well, as does MCO Prime services for high net-worth cryptocurrency users.

With just a bit over two years in business, is making a huge splash in the cryptocurrency world. With cards now being delivered in Singapore, and soon landing in Europe and the U.S., the brand could be poised to explode in 2020.

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Joseph Montes

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Joseph Montes
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Joseph "The Ninja" Montes

I am Social Media Marketing Specialist, skilled and deeply experienced with the use of social channels for business in order to drive increased consumer engagement, brand awareness, and sales. The majority of my career has been spent in social media marketing. Social channels such as Google Plus, Facebook, Twitter, LinkedIn, YouTube, Pinterest, and WordPress have emerged as primary communication channels and key marketing platforms, I provide strategic, tactical help to businesses and individuals seeking an effective, business-results focused presence within the platforms most applicable to their specific goals. I provide social media marketing training and coaching for clients in corporate, non-profit, and individual providing in-depth strategic training with social channels including Google Plus, Facebook, Twitter, LinkedIn, YouTube, Pinterest, and WordPress. Given the rapid evolution of the social space, in particular the shift to mobile social consumption, presenting new and emerging platforms to achieve client goals is an ongoing service. I am highly skilled in the development of robust Facebook Brand Pages, Twitter profiles, Pinterest business profiles, LinkedIn business and personal profiles, Instagram accounts, G+ business pages; content development and sourcing, and I have tremendous community management experience in these channels.

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