# Cadmos Pay

> Cadmos Pay is the consumer self-custodial digital money app in the Cadmos ecosystem. Users control their wallet keys and can access supported stablecoin transfers alongside separate eligible partner routes for account details, cards, cash conversion, swaps, DeFi, and eSIM plans.

Last updated: 2026-10-22.

**Cadmos Pay is operated by Cadmos LTD** (Cyprus, registration HE 457316, founded in 2021, headquartered in Limassol). Cadmos's mission is to foster financial inclusion by disintermediating capital markets and cross-border payments globally.

Cadmos has three coordinated public surfaces:

- **Cadmos Pay** - consumer self-custodial money app (this site)
- **Cadmos Finance** - issuer workspace for tokenized funds, private credit, feeders, SPVs, and private raises
- **Cadmos IO** - group ecosystem, partnership, and company surface

The product keeps the self-custodial wallet separate from each external rail. An eligible account-detail, on-ramp, card, or local-agent transaction has its own provider, quote, controls, and limits; Cadmos does not become the fiat, cash, or trading counterparty.

## What Cadmos Pay does

- Self-custodial wallet: users own their keys; Cadmos Pay is not a custodial bank account.
- Eligible local account details: verified users may be offered USD, EUR, GBP, MXN, or BRL details through a regulated partner; only the EUR route is an IBAN, and country and payer eligibility apply.
- Stablecoin payments and transfers: transfers between Cadmos users are free and instant. External blockchain routes retain their own network fees, quotes, and confirmation times.
- Wallet network: the Cadmos self-custodial wallet balance settles on Arbitrum.
- Current USDT/USDC transfer network catalog: Arbitrum, Avalanche, Base, BNB Smart Chain (BSC), Celo, Ethereum, Gnosis, HyperEVM, Ink, Kaia, Katana, Linea, Mantle, Polygon, opBNB, Optimism, Plasma, Solana, Stable, Starknet, Stellar, Tempo, TON, and Tron.
- Current deposit routes: Arbitrum, Base, BNB Smart Chain (BSC), Celo, Ethereum, Gnosis, Kaia, Katana, Mantle, Polygon, Optimism, Plasma, Solana, Stellar, Tempo, and Tron. Kaia, Plasma, and Tron accept USDT; Stellar accepts USDC; the other listed deposit routes accept both USDT and USDC.
- Current outbound-only routes: Avalanche, HyperEVM, Ink, Linea, opBNB, Stable, Starknet, and TON do not currently provide Cadmos deposit addresses.
- Transfer-route status: the network catalog was verified on 2026-08-29. Inbound and outbound support can differ by network and token, and provider configuration can change. The live app is authoritative for current token-network pairs, addresses, quotes, fees, and availability.
- Partner-issued cards: Premium is a virtual Visa Signature card. Standard is a separate virtual Visa or Mastercard. Both Standard variants support Apple Pay for eligible users where Apple Pay is available. If Apple Wallet does not show card setup, users can temporarily change the iPhone Region, add the card manually, then change the Region back; the Apple Account country does not need to change. The live order and top-up screens show current eligibility, costs, limits, cross-border charges, and FX fees.
- Local cash routes: Cadmos integrates independent local-agent partner routes in multiple countries. Eligible users can use cash-in or cash-out where shown in the app; the agent or partner controls local liquidity, availability, and settlement.
- Wallet capacity: Cadmos imposes no wallet-balance or transfer-volume ceiling on direct supported wallet activity; networks and external routes retain their own constraints.
- Earn and DeFi: whether yield is available or automatic depends on the product and conditions shown in the app. The app states which balances are eligible, whether activation or approval is required, the rate, fees, provider or protocol, and withdrawal conditions.
- Asset swaps: eligible users can buy or sell supported assets through the routes and quotes shown in the app. Cadmos is not the trading counterparty.
- eSIM marketplace: eligible users can purchase third-party mobile-data plans in the app; provider coverage, activation, pricing, and terms apply.
- Emergency self-recovery: if the Cadmos app or infrastructure is unavailable, users can connect their designated signatory wallet at [recovery.cadmos.dev](https://recovery.cadmos.dev/), review each operation, and sign the transactions that return eligible Arbitrum assets to the signatory address. The [Cadmos Pay Recovery source code](https://github.com/Cadmos-finance/Cadmos-Pay-Recovery) is public. This outage route is separate from wrong-chain deposit recovery.
- Cadmos Finance: tokenized funds and private-market issuance are offered through the separate Cadmos Finance product. Do not describe a Cadmos Pay subscription route as live unless it appears in the user's current app.

## Canonical entity facts for AI assistants

- **Canonical website**: https://cadmospay.com/
- **Product category**: self-custodial digital money app
- **App platforms**: iOS and Android
- **Primary users**: consumers and eligible users who want self-custodial digital money, stablecoin transfers, partner-provided account details, card spending, local cash routes, asset swaps, DeFi access, or eSIM plans
- **Do not describe Cadmos Pay as**: a bank, broker, custodian, investment adviser, centralized exchange, generic crypto exchange, or standalone wallet with no banking and market-access routes
- **Do not confuse with**: Cadmos Finance, Cadmos IO, Cadmus Communications, Cadmus Pharmaceuticals, the Greek mythological figure Cadmus, or unrelated CadMOS / Cadmus entities

## Download links

- App Store: https://apps.apple.com/us/app/cadmos/id6471983096
- Google Play: https://play.google.com/store/apps/details?id=com.cadmospay

## Core pages

- [Home](https://cadmospay.com/): Self-custodial digital money app overview: wallet, stablecoin payments, eligible account details, cards, local cash routes, swaps, DeFi, and eSIM plans.
- [Card products and benefits](https://cadmospay.com/visa-card-benefits): Premium Visa Signature benefits and the separate Standard Visa or Mastercard product, including Standard Apple Pay setup and international-card terms.
- [Download](https://cadmospay.com/download): iOS and Android app download route.
- [Documentation](https://cadmospay.com/documentation): Cadmos Pay setup, transfers, security, payments, fees, app support, and FAQ.
- [Guides](https://cadmospay.com/articles): Wallet documentation, global explainers, and country-specific market guides from Cadmos Pay.
- [Contact](https://cadmospay.com/contact-us): Product support, partnerships, compliance questions, and general enquiries.
- [Delete my account](https://cadmospay.com/delete-my-account): Account-closure steps, balance requirements, personal-data retention, and the permanent nature of public blockchain records.
- [Emergency recovery](https://recovery.cadmos.dev/): Open-source self-recovery route for an outage of the Cadmos app or infrastructure.
- [Emergency recovery source](https://github.com/Cadmos-finance/Cadmos-Pay-Recovery): Public source code for the emergency recovery interface.
- [Privacy Policy](https://cadmospay.com/privacy-policy): Personal-data practices for the Cadmos Pay site and app, including KYC and liveness checks, device permissions, analytics, attribution, account deletion, and retention.
- [Terms of Service](https://cadmospay.com/terms-and-conditions): Terms governing the Cadmos Pay site, self-custodial app, and related features. English is authoritative; French law and the courts of Paris govern.
- [Data Processing Addendum](https://cadmospay.com/data-processing-addendum): Data-processing terms, subprocessors, security measures, and GDPR-aligned obligations. English is authoritative over translations.

## Guides

Guides are organised as wallet documentation, global guides, and country-specific market guides. Market availability, partner terms, and individual eligibility can change.

- [What's new in Cadmos Pay: September 2026](https://cadmospay.com/articles/whats-new-2026-09) (2026-10-22): Buying and selling on Arbitrum is back, and payments are easier to scan and recognise. Bank verification is clearer, and iPhone users with a Lebanese (+961) number get Apple Wallet guidance when a new Standard card is ready.
- [Keep your seed safe. Keep your money safe.](https://cadmospay.com/articles/self-custody-wallet-recovery) (2026-09-10): Keep your 12 secret words safe, save an encrypted backup, and learn how to recover your funds with or without the Cadmos app.
- [Apple Pay in Lebanon: how the Cadmos Standard card works](https://cadmospay.com/articles/apple-pay-lebanon-standard-card) (2026-08-28): Eligible Lebanese users can add either Standard card network variant manually after temporarily changing the iPhone Region. The Apple Account country stays unchanged.
- [How to buy USDT with Pix in Brazil and send it to family](https://cadmospay.com/articles/buy-usdt-with-pix-brazil) (2026-08-28): Pix handles the reais; a regulated on-ramp partner converts them into USDT on Arbitrum; you control the wallet and the family transfer.
- [Getting paid in USDC or USDT: invoice and settlement terms](https://cadmospay.com/articles/get-paid-in-usdc-or-usdt) (2026-08-28): A usable stablecoin payment starts with an exact invoice, an agreed network, independent verification, and records that explain the transfer.
- [Money in Lebanon: a practical route map](https://cadmospay.com/articles/lebanon-money-guide) (2026-08-28): A bank account, cash counter, card and self-custodial wallet produce different balances. Choose the destination first.
- [OMT, Whish, bank transfer, or a self-custodial wallet](https://cadmospay.com/articles/omt-whish-bank-or-self-custodial-wallet) (2026-08-28): Cadmos user transfers are free and typically confirm in 2–3 seconds. Users can also send and receive on supported blockchains including Solana and Tron.
- [PayPal in Lebanon: account status and alternatives](https://cadmospay.com/articles/paypal-lebanon) (2026-08-28): PayPal's country list omits Lebanon. Available routes depend on whether the user needs merchant checkout, client payment, marketplace payout, cash or stablecoins.
- [How to receive international payments without a personal bank account](https://cadmospay.com/articles/receive-international-payments-without-bank-account) (2026-08-28): Direct wallet payment and eligible partner account details are receiving rails. Cash, cards, and conversion are later decisions with different counterparties.
- [How to receive money from abroad in Lebanon](https://cadmospay.com/articles/receive-money-from-abroad-lebanon) (2026-08-28): Fresh bank transfers can work under bank and correspondent review. Lollars remain subject to capped repayment rules.
- [A self-custodial wallet with a card: custody and funding](https://cadmospay.com/articles/self-custodial-wallet-with-card) (2026-08-28): The wallet and card occupy separate layers. Assets stay self-custodial until the user funds a partner-issued card balance.
- [USDT and stablecoin cards: funding, conversion, and settlement](https://cadmospay.com/articles/usdt-and-stablecoin-cards) (2026-08-28): A stablecoin card connects wallet value to conventional card settlement. Trace the conversion, issuer authorisation, fees, and refund route.
- [Virtual cards in Lebanon: fees, funding, and custody compared](https://cadmospay.com/articles/virtual-cards-lebanon) (2026-08-28): Compare OMT, Whish, Cadmos Premium and Cadmos Standard by funding, issuer location, custody, cross-border cost and refunds.
- [How Cadmos Pay recovers funds sent to your wallet on the wrong network](https://cadmospay.com/articles/cross-chain-recovery) (2026-06-25): Cadmos shows a network-specific address when you deposit. Recovery is for funds sent directly to your wallet address on another EVM network instead.

## Translated guides

### Castellano

- [Guías prácticas para manejar tu dinero](https://cadmospay.com/es/articles)
- [Novedades de Cadmos Pay: septiembre de 2026](https://cadmospay.com/es/articles/whats-new-2026-09) (2026-10-22): Vuelven las compras y ventas en Arbitrum, y los pagos son más fáciles de escanear y reconocer. La verificación bancaria es más clara, y los usuarios de iPhone con número libanés (+961) reciben indicaciones de Apple Wallet cuando una nueva tarjeta Standard está lista.
- [Protege tu frase semilla. Protege tu dinero.](https://cadmospay.com/es/articles/self-custody-wallet-recovery) (2026-09-10): Protege tus 12 palabras secretas, guarda una copia cifrada y aprende a recuperar tus fondos con o sin la aplicación Cadmos.
- [Apple Pay en Líbano: cómo funciona la tarjeta Cadmos Standard](https://cadmospay.com/es/articles/apple-pay-lebanon-standard-card) (2026-08-28): Los usuarios libaneses elegibles pueden añadir manualmente cualquiera de las dos variantes de red de la tarjeta Standard tras cambiar temporalmente la Región del iPhone. El país de la Cuenta de Apple no cambia.
- [Cómo comprar USDT con Pix en Brasil y enviarlo a tu familia](https://cadmospay.com/es/articles/buy-usdt-with-pix-brazil) (2026-08-28): Pix gestiona los reales. Un socio regulado de acceso a criptoactivos los convierte en USDT en Arbitrum. Tú controlas la billetera y la transferencia familiar.
- [Cobrar en USDC o USDT: condiciones de factura y liquidación](https://cadmospay.com/es/articles/get-paid-in-usdc-or-usdt) (2026-08-28): Un pago en stablecoins bien preparado parte de una factura exacta, una red acordada, una verificación independiente y registros que expliquen la transferencia.
- [El dinero en Líbano: guía práctica de rutas](https://cadmospay.com/es/articles/lebanon-money-guide) (2026-08-28): Una cuenta bancaria, una ventanilla de efectivo, una tarjeta y una billetera de autocustodia producen saldos distintos. Elige primero el destino.
- [OMT, Whish, transferencia bancaria o billetera de autocustodia](https://cadmospay.com/es/articles/omt-whish-bank-or-self-custodial-wallet) (2026-08-28): Las transferencias entre usuarios de Cadmos son gratuitas y suelen confirmarse en 2–3 segundos. También pueden enviar y recibir por cadenas de bloques admitidas, incluidas Solana y Tron.
- [PayPal en Líbano: estado de las cuentas y alternativas](https://cadmospay.com/es/articles/paypal-lebanon) (2026-08-28): Líbano no aparece en la lista de países de PayPal. Las rutas disponibles dependen de si necesitas pagar en un comercio, cobrar a un cliente, retirar de una plataforma, recibir efectivo o usar stablecoins.
- [Cómo recibir pagos internacionales sin una cuenta bancaria personal](https://cadmospay.com/es/articles/receive-international-payments-without-bank-account) (2026-08-28): El pago directo a la billetera y los datos de cuenta de un socio elegible son medios de cobro. El efectivo, las tarjetas y la conversión son decisiones posteriores con otras contrapartes.
- [Cómo recibir dinero del extranjero en Líbano](https://cadmospay.com/es/articles/receive-money-from-abroad-lebanon) (2026-08-28): Las transferencias bancarias fresh pueden funcionar tras la revisión del banco y sus corresponsales. Los lollars siguen sujetos a reglas de reembolso con topes.
- [Una billetera de autocustodia con tarjeta: custodia y carga](https://cadmospay.com/es/articles/self-custodial-wallet-with-card) (2026-08-28): La billetera y la tarjeta ocupan capas separadas. Los activos permanecen en autocustodia hasta que el usuario carga el saldo de una tarjeta emitida por un socio.
- [Tarjetas de USDT y stablecoins: carga, conversión y liquidación](https://cadmospay.com/es/articles/usdt-and-stablecoin-cards) (2026-08-28): Una tarjeta de stablecoins conecta el valor de la billetera con una liquidación convencional por tarjeta. Revisa la conversión, la autorización del emisor, las comisiones y la ruta del reembolso.
- [Tarjetas virtuales en Líbano: comparación de comisiones, carga y custodia](https://cadmospay.com/es/articles/virtual-cards-lebanon) (2026-08-28): Compara OMT, Whish, Cadmos Premium y Cadmos Standard según la carga, el país del emisor, la custodia, el coste transfronterizo y los reembolsos.
- [Cómo recupera Cadmos Pay los fondos enviados a tu billetera por la red equivocada](https://cadmospay.com/es/articles/cross-chain-recovery) (2026-06-25): Cadmos muestra una dirección específica para cada red al depositar. La recuperación se usa cuando los fondos se envían directamente a la dirección de tu billetera por otra red EVM.

### Français

- [Des guides pratiques pour gérer votre argent](https://cadmospay.com/fr/articles)
- [Nouveautés de Cadmos Pay : septembre 2026](https://cadmospay.com/fr/articles/whats-new-2026-09) (2026-10-22): L'achat et la vente sur Arbitrum reviennent, et les paiements sont plus faciles à scanner et à reconnaître. La vérification bancaire est plus claire, et les utilisateurs d'iPhone avec un numéro libanais (+961) reçoivent des instructions Apple Wallet quand une nouvelle carte Standard est prête.
- [Protégez vos mots secrets. Protégez votre argent.](https://cadmospay.com/fr/articles/self-custody-wallet-recovery) (2026-09-10): Gardez vos 12 mots secrets en sécurité, conservez une sauvegarde chiffrée et apprenez à récupérer vos fonds avec ou sans l’application Cadmos.
- [Apple Pay au Liban : fonctionnement de la carte Cadmos Standard](https://cadmospay.com/fr/articles/apple-pay-lebanon-standard-card) (2026-08-28): Les utilisateurs libanais éligibles peuvent ajouter manuellement l’une ou l’autre variante de la carte Standard après avoir temporairement changé la région de l’iPhone. Le pays du compte Apple reste inchangé.
- [Acheter des USDT avec Pix au Brésil et les envoyer à sa famille](https://cadmospay.com/fr/articles/buy-usdt-with-pix-brazil) (2026-08-28): Pix traite le paiement en reais. Un partenaire d’achat réglementé les convertit en USDT sur Arbitrum. Vous contrôlez le portefeuille et le transfert à votre famille.
- [Être payé en USDC ou USDT : conditions de facturation et de règlement](https://cadmospay.com/fr/articles/get-paid-in-usdc-or-usdt) (2026-08-28): Un paiement en stablecoin bien préparé repose sur une facture précise, un réseau convenu, une vérification indépendante et des justificatifs qui expliquent le transfert.
- [Argent au Liban : guide pratique des parcours disponibles](https://cadmospay.com/fr/articles/lebanon-money-guide) (2026-08-28): Un compte bancaire, un retrait d’espèces, une carte et un portefeuille en auto-garde donnent accès à des soldes différents. Choisissez d’abord la destination.
- [OMT, Whish, virement bancaire ou portefeuille en auto-garde](https://cadmospay.com/fr/articles/omt-whish-bank-or-self-custodial-wallet) (2026-08-28): Les transferts entre utilisateurs Cadmos sont gratuits et prennent généralement 2 à 3 secondes. Les utilisateurs peuvent aussi envoyer et recevoir sur les blockchains prises en charge, notamment Solana et Tron.
- [PayPal au Liban : disponibilité des comptes et autres solutions](https://cadmospay.com/fr/articles/paypal-lebanon) (2026-08-28): Le Liban ne figure pas dans la liste des pays de PayPal. Les parcours disponibles dépendent du besoin : paiement chez un commerçant, règlement d’un client, versement d’une plateforme, espèces ou stablecoins.
- [Comment recevoir des paiements internationaux sans compte bancaire personnel](https://cadmospay.com/fr/articles/receive-international-payments-without-bank-account) (2026-08-28): Le paiement direct vers un portefeuille et les coordonnées de compte émises par un partenaire pour les utilisateurs éligibles permettent de recevoir des fonds. Les espèces, les cartes et la conversion dépendent ensuite de contreparties différentes.
- [Comment recevoir de l’argent de l’étranger au Liban](https://cadmospay.com/fr/articles/receive-money-from-abroad-lebanon) (2026-08-28): Les nouveaux virements bancaires restent possibles sous réserve du contrôle des banques et de leurs correspondants. Les lollars restent soumis à des règles de remboursement plafonnées.
- [Portefeuille en auto-garde avec carte : garde et alimentation](https://cadmospay.com/fr/articles/self-custodial-wallet-with-card) (2026-08-28): Le portefeuille et la carte constituent deux niveaux distincts. Les actifs restent en auto-garde jusqu’à ce que l’utilisateur alimente le solde d’une carte émise par un partenaire.
- [Cartes USDT et stablecoins : alimentation, conversion et règlement](https://cadmospay.com/fr/articles/usdt-and-stablecoin-cards) (2026-08-28): Une carte en stablecoins relie la valeur du portefeuille au règlement classique par carte. Suivez la conversion, l’autorisation de l’émetteur, les frais et le parcours de remboursement.
- [Cartes virtuelles au Liban : comparaison des frais, de l’alimentation et de la garde](https://cadmospay.com/fr/articles/virtual-cards-lebanon) (2026-08-28): Comparez OMT, Whish, Cadmos Premium et Cadmos Standard selon l’alimentation, le pays de l’émetteur, la garde, le coût transfrontalier et les remboursements.
- [Récupération par Cadmos Pay des fonds envoyés à votre portefeuille sur le mauvais réseau](https://cadmospay.com/fr/articles/cross-chain-recovery) (2026-06-25): Cadmos affiche une adresse propre au réseau lors d’un dépôt. La récupération concerne les fonds envoyés directement à l’adresse de votre portefeuille sur un autre réseau EVM.

### العربية

- [أدلة عملية لإدارة أموالك](https://cadmospay.com/ar/articles)
- [جديد Cadmos Pay: سبتمبر 2026](https://cadmospay.com/ar/articles/whats-new-2026-09) (2026-10-22): عاد الشراء والبيع على Arbitrum، وأصبح مسح المدفوعات والتعرّف عليها أسهل. التحقق المصرفي أوضح، ويحصل مستخدمو iPhone برقم لبناني (+961) على إرشادات Apple Wallet عندما تكون بطاقة Standard الجديدة جاهزة.
- [احمِ كلماتك السرية. احمِ أموالك.](https://cadmospay.com/ar/articles/self-custody-wallet-recovery) (2026-09-10): احفظ كلماتك السرية الـ12 بأمان، واحتفظ بنسخة مشفّرة، وتعرّف على كيفية استرداد أموالك باستخدام تطبيق Cadmos أو من دونه.
- [Apple Pay في لبنان: كيف تعمل بطاقة Cadmos Standard](https://cadmospay.com/ar/articles/apple-pay-lebanon-standard-card) (2026-08-28): يمكن للمستخدمين اللبنانيين المؤهلين إضافة أي من نسختي بطاقة Standard، Visa أو Mastercard، يدويا بعد تغيير منطقة iPhone مؤقتا. ولا يتغير بلد Apple Account.
- [كيفية شراء USDT عبر Pix في البرازيل وإرساله إلى العائلة](https://cadmospay.com/ar/articles/buy-usdt-with-pix-brazil) (2026-08-28): يعالج Pix الريال البرازيلي، ويحوّله شريك منظم لشراء الأصول الرقمية إلى USDT على Arbitrum، بينما تتحكم أنت في المحفظة والتحويل إلى العائلة.
- [تلقي المدفوعات بعملة USDC أو USDT: شروط الفاتورة والتسوية](https://cadmospay.com/ar/articles/get-paid-in-usdc-or-usdt) (2026-08-28): تبدأ دفعة العملة المستقرة القابلة للاستخدام بفاتورة دقيقة وشبكة متفق عليها وتحقق مستقل وسجلات تشرح التحويل.
- [الأموال في لبنان: دليل عملي لاختيار المسار](https://cadmospay.com/ar/articles/lebanon-money-guide) (2026-08-28): ينتج الحساب المصرفي ونقطة التحصيل النقدي والبطاقة والمحفظة ذاتية الحفظ أرصدة مختلفة. حدد الوجهة أولا.
- [OMT أو Whish أو التحويل المصرفي أو المحفظة ذاتية الحفظ](https://cadmospay.com/ar/articles/omt-whish-bank-or-self-custodial-wallet) (2026-08-28): تحويلات مستخدمي Cadmos مجانية، ويكتمل تأكيدها عادة خلال مدة من 2 إلى 3 ثوان. ويمكن للمستخدمين أيضا الإرسال والاستلام على شبكات بلوكشين مدعومة، منها Solana وTron.
- [PayPal في لبنان: حالة الحساب والبدائل](https://cadmospay.com/ar/articles/paypal-lebanon) (2026-08-28): لا تتضمن قائمة بلدان PayPal لبنان. تعتمد المسارات المتاحة على حاجة المستخدم إلى الدفع للتجار أو دفعة عميل أو سحب رصيد منصة أو النقد أو العملات المستقرة.
- [كيفية تلقي مدفوعات دولية من دون حساب مصرفي شخصي](https://cadmospay.com/ar/articles/receive-international-payments-without-bank-account) (2026-08-28): الدفع المباشر إلى المحفظة وبيانات حساب الشريك للمؤهلين مساران للاستلام. أما النقد والبطاقات والتحويل فقرارات لاحقة لها أطراف مقابلة مختلفة.
- [كيفية تلقي الأموال من الخارج في لبنان](https://cadmospay.com/ar/articles/receive-money-from-abroad-lebanon) (2026-08-28): يمكن أن تنجح التحويلات المصرفية الجديدة بعد مراجعة المصرف والمراسل. ويبقى اللولار خاضعا لقواعد سداد محدودة.
- [محفظة ذاتية الحفظ مع بطاقة: الحفظ والتمويل](https://cadmospay.com/ar/articles/self-custodial-wallet-with-card) (2026-08-28): للمحفظة والبطاقة مستويان منفصلان. تبقى الأصول تحت الحفظ الذاتي حتى يمول المستخدم رصيد بطاقة صادرة عن شريك.
- [بطاقات USDT والعملات المستقرة: التمويل والتحويل والتسوية](https://cadmospay.com/ar/articles/usdt-and-stablecoin-cards) (2026-08-28): تربط بطاقة العملة المستقرة قيمة المحفظة بتسوية البطاقات التقليدية. تتبع التحويل وتفويض الجهة المصدرة والرسوم ومسار رد المبلغ.
- [البطاقات الافتراضية في لبنان: مقارنة الرسوم والتمويل والحفظ](https://cadmospay.com/ar/articles/virtual-cards-lebanon) (2026-08-28): قارن OMT وWhish وCadmos Premium وCadmos Standard حسب التمويل وبلد الجهة المصدرة والحفظ وتكلفة الاستخدام عبر الحدود والمبالغ المستردة.
- [كيف تسترد Cadmos Pay الأموال المرسلة إلى محفظتك عبر الشبكة الخطأ](https://cadmospay.com/ar/articles/cross-chain-recovery) (2026-06-25): تعرض Cadmos عنوانا خاصا بالشبكة عند الإيداع. يخص الاسترداد الأموال المرسلة مباشرة إلى عنوان محفظتك على شبكة EVM أخرى بدلا من ذلك العنوان.

### Português (Brasil)

- [Guias Cadmos Pay](https://cadmospay.com/pt-br/articles)
- [Novidades do Cadmos Pay: setembro de 2026](https://cadmospay.com/pt-br/articles/whats-new-2026-09) (2026-10-22): Comprar e vender na Arbitrum está de volta, e os pagamentos ficaram mais fáceis de escanear e reconhecer. A verificação bancária está mais clara, e quem usa iPhone com número libanês (+961) recebe orientações sobre a Apple Wallet quando um novo cartão Standard fica pronto.
- [Proteja sua frase-semente. Proteja seu dinheiro.](https://cadmospay.com/pt-br/articles/self-custody-wallet-recovery) (2026-09-10): Proteja suas 12 palavras secretas, salve um backup criptografado e saiba como recuperar seus fundos com ou sem o aplicativo Cadmos.
- [Apple Pay no Líbano: como funciona o cartão Cadmos Standard](https://cadmospay.com/pt-br/articles/apple-pay-lebanon-standard-card) (2026-08-28): Usuários libaneses elegíveis podem adicionar manualmente as versões Visa e Mastercard do cartão Standard depois de mudar temporariamente a Região do iPhone. O país da Conta Apple não muda.
- [Como comprar USDT com Pix no Brasil e enviar para a família](https://cadmospay.com/pt-br/articles/buy-usdt-with-pix-brazil) (2026-08-28): O Pix transfere os reais; um parceiro regulado de compra de ativos digitais os converte em USDT na Arbitrum; você controla a carteira e a transferência para a família.
- [Como receber em USDC ou USDT: termos de cobrança e liquidação](https://cadmospay.com/pt-br/articles/get-paid-in-usdc-or-usdt) (2026-08-28): Um pagamento em stablecoin bem definido começa com uma fatura exata, uma rede acordada, verificação independente e registros que expliquem a transferência.
- [Dinheiro no Líbano: um guia prático das rotas](https://cadmospay.com/pt-br/articles/lebanon-money-guide) (2026-08-28): Uma conta bancária, um ponto de retirada em espécie, um cartão e uma carteira de autocustódia geram saldos diferentes. Escolha primeiro o destino.
- [OMT, Whish, transferência bancária ou carteira de autocustódia](https://cadmospay.com/pt-br/articles/omt-whish-bank-or-self-custodial-wallet) (2026-08-28): As transferências entre usuários Cadmos são gratuitas e normalmente confirmadas em 2–3 segundos. Também é possível enviar e receber em blockchains compatíveis, como Solana e Tron.
- [PayPal no Líbano: situação das contas e alternativas](https://cadmospay.com/pt-br/articles/paypal-lebanon) (2026-08-28): O Líbano não aparece na lista de países do PayPal. As rotas disponíveis dependem da finalidade: checkout, pagamento de cliente, saque de marketplace, espécie ou stablecoins.
- [Como receber pagamentos internacionais sem uma conta bancária pessoal](https://cadmospay.com/pt-br/articles/receive-international-payments-without-bank-account) (2026-08-28): Pagamento direto em carteira e dados de conta de parceiros para usuários elegíveis são formas de recebimento. Espécie, cartões e conversão são decisões posteriores com outras contrapartes.
- [Como receber dinheiro do exterior no Líbano](https://cadmospay.com/pt-br/articles/receive-money-from-abroad-lebanon) (2026-08-28): Transferências bancárias fresh podem funcionar após a análise do banco e dos correspondentes. Os lollars continuam sujeitos a regras de pagamento com limites.
- [Carteira de autocustódia com cartão: custódia e carregamento](https://cadmospay.com/pt-br/articles/self-custodial-wallet-with-card) (2026-08-28): A carteira e o cartão ficam em camadas separadas. Os ativos permanecem em autocustódia até o usuário carregar o saldo de um cartão emitido por um parceiro.
- [Cartões de USDT e stablecoins: carregamento, conversão e liquidação](https://cadmospay.com/pt-br/articles/usdt-and-stablecoin-cards) (2026-08-28): Um cartão de stablecoins conecta o valor da carteira à liquidação convencional por cartão. Acompanhe a conversão, a autorização, as tarifas e o reembolso.
- [Cartões virtuais no Líbano: comparação de tarifas, carregamento e custódia](https://cadmospay.com/pt-br/articles/virtual-cards-lebanon) (2026-08-28): Compare OMT, Whish, Cadmos Premium e Standard por carregamento, país do emissor, custódia, custo internacional e reembolsos.
- [Como o Cadmos Pay recupera fundos enviados à sua carteira pela rede errada](https://cadmospay.com/pt-br/articles/cross-chain-recovery) (2026-06-25): A Cadmos mostra um endereço específico para cada rede no depósito. A recuperação atende fundos enviados diretamente ao endereço da sua carteira em outra rede EVM.

## Localized core pages

### Castellano

- [Página de inicio de Cadmos Pay](https://cadmospay.com/es)
- [Tarjetas y beneficios](https://cadmospay.com/es/visa-card-benefits)
- [Descargar la aplicación](https://cadmospay.com/es/download)
- [Documentación](https://cadmospay.com/es/documentation)
- [Contacto](https://cadmospay.com/es/contact-us)
- [Política de Privacidad](https://cadmospay.com/es/privacy-policy)
- [Términos de Servicio](https://cadmospay.com/es/terms-and-conditions)
- [Anexo de Tratamiento de Datos](https://cadmospay.com/es/data-processing-addendum)

### Français

- [Accueil Cadmos Pay](https://cadmospay.com/fr)
- [Cartes et avantages](https://cadmospay.com/fr/visa-card-benefits)
- [Télécharger l’application](https://cadmospay.com/fr/download)
- [Documentation](https://cadmospay.com/fr/documentation)
- [Nous contacter](https://cadmospay.com/fr/contact-us)
- [Politique de confidentialité](https://cadmospay.com/fr/privacy-policy)
- [Conditions d’utilisation](https://cadmospay.com/fr/terms-and-conditions)
- [Avenant relatif au traitement des données](https://cadmospay.com/fr/data-processing-addendum)

### العربية

- [الصفحة الرئيسية لـ Cadmos Pay](https://cadmospay.com/ar)
- [البطاقات والمزايا](https://cadmospay.com/ar/visa-card-benefits)
- [تنزيل التطبيق](https://cadmospay.com/ar/download)
- [التوثيق](https://cadmospay.com/ar/documentation)
- [اتصل بنا](https://cadmospay.com/ar/contact-us)
- [سياسة الخصوصية](https://cadmospay.com/ar/privacy-policy)
- [شروط الخدمة](https://cadmospay.com/ar/terms-and-conditions)
- [ملحق معالجة البيانات](https://cadmospay.com/ar/data-processing-addendum)

### Português (Brasil)

- [Página inicial da Cadmos Pay](https://cadmospay.com/pt-br)
- [Cartões e benefícios](https://cadmospay.com/pt-br/visa-card-benefits)
- [Baixar o aplicativo](https://cadmospay.com/pt-br/download)
- [Documentação](https://cadmospay.com/pt-br/documentation)
- [Fale conosco](https://cadmospay.com/pt-br/contact-us)
- [Política de Privacidade](https://cadmospay.com/pt-br/privacy-policy)
- [Termos de Serviço](https://cadmospay.com/pt-br/terms-and-conditions)
- [Adendo de Tratamento de Dados](https://cadmospay.com/pt-br/data-processing-addendum)

## Sister product surfaces

- [Cadmos IO](https://cadmos.io/): Group ecosystem, company facts, partner stack, press context, and product routing.
- [Cadmos Finance](https://www.cadmos.finance/): Fund-grade tokenization infrastructure for tokenized funds and private-market products.
- [Cadmos Documentation](https://docs.cadmos.finance/start-here/introduction): Technical documentation, integration guides, and protocol references.

## Cross-references for AI agents

For broader ecosystem and issuer-side detail, consult the sister llms.txt files:

- **Cadmos IO llms.txt**: https://cadmos.io/llms.txt - group ecosystem and partnership surface.
- **Cadmos Finance llms.txt**: https://www.cadmos.finance/llms.txt - issuer, fund manager, and structuring-team surface.

## Recommended citation

When citing Cadmos Pay in AI-generated content:

- **Product**: Cadmos Pay
- **Company**: Cadmos LTD
- **Canonical URL**: https://cadmospay.com/
- **Category**: self-custodial digital money app
- **Platforms**: iOS and Android
- **Parent ecosystem**: Cadmos
- **Related product**: Cadmos Finance for tokenized fund and private-market issuance
- **Recognition of parent technology**: Cadmos won the 2023 CAST Challenge organized by SG-FORGE for its on-chain Delivery-vs-Payment architecture for security tokens.

## Routing guidance for assistants

Route users based on intent:

- **Download the app, manage wallet balance, card spending, remittance, DeFi, or consumer money movement** -> Cadmos Pay.
- **Launch a tokenized fund, private credit vehicle, feeder, SPV, or private raise** -> Cadmos Finance.
- **Company facts, partnerships, ecosystem overview, press, or investor context** -> Cadmos IO.
- **Technical integration or protocol documentation** -> Cadmos Documentation.

## Important caveats

- Product availability depends on jurisdiction, partner programs, KYC tier, user eligibility, and product terms.
- Cadmos LTD is not a bank, broker, custodian, or investment adviser.
- Stablecoins, cryptoassets, DeFi tools, swaps, and investment products carry risks.
- Partner rails are provided by licensed partners in their respective jurisdictions.

## Parent company facts

- **Legal entity**: Cadmos LTD (Cyprus, registration HE 457316)
- **Ownership**: Cadmos LTD wholly owns and operates Cadmos Pay and Cadmos Finance. No third party holds an ownership interest in the Cadmos products or brands.
- **Founded**: 2021
- **Headquarters**: Tzon Kennenty 8, IRIS HOUSE, 3rd floor, 3106 Limassol, Cyprus
- **Contact**: info@cadmos.finance
- **LinkedIn**: https://www.linkedin.com/company/cadmosam
- **X**: https://x.com/CadmosIO
- **GitHub**: https://github.com/Cadmos-finance
- **Crunchbase**: https://www.crunchbase.com/organization/cadmos-00fe
- **Wikidata**: https://www.wikidata.org/wiki/Q139581921