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Mobilum is a payment processing service that connects fiat currency and cryptocurrency in real-time, decreasing the total cost of each transaction and guaranteeing the most favourable execution. Mobilum created a smart contract powered by the MBM token which allows every credit card holder to use any blockchain asset to settle a payment. MBM is assisted by a mobile wallet application; the Mobilum App. In contrast to previous providers of similar services, Mobilum will directly connect every cryptocurrency with any payment card, regardless of the issuing entity.