Milan & Mercer
Good afternoon, Karis
Friday, Sep 11
Total balance
$2,847.20
+$482.10 this month
(+20.4%)
Spent this month
Sep 1 – 11
$1,412.60
Rent$540
Dining$312
Groceries$254
Travel$168
Other$139
Spaces
Upcoming
Due tomorrow
Verizon
$78.40
Autopay on
Sep 15
Rent · 4B
$2,150.00
Reserved
Sep 18
Spotify
$11.99
Card 8823
Sep 22
ConEd
$142.30
Estimate
Earning on your balance
$1,924.20 in Dollar Balance
4.8%
APY
Milan Card
•••• 8823 · $184 this week
Send again
Activity
Today
−$6.20
+$42.00
−$11.99
Yesterday
−$150.30 ₦247,000
−$67.24
−$18.40
+$3.12
Sep 9
−$42.19
−$36.85
−$78.40
Sep 8
−$412.60
−$22.99
+$3,200.00
Sep 6
−$8.75
−$2.99
−$54.20
Pay anyone
Global @handles, banks, wallets. Milan picks the rail.
Recent
Suggested
Wallet
Everyday
MEMBER SINCE
26
MEMBER SINCE
26
MEMBER SINCE
26
My cards
Everyday · Physical
Active
•••• 8823
This week
$184.20
Limit
$5,000
Available
$1,924
Starbucks−$6.20
Whole Foods−$67.24
Uber−$18.40
Travel · Milan Trip
Active
•••• 4432
Spent
$340
Budget
$2,000
FX fees
$0.00
Airbnb · Milano−$186.00
Trenitalia−$42.10
Bar Basso−$14.00
Subscriptions
Active
•••• 9911
Monthly
$37.00
Services
4
Merchant lock
On
Spotify−$11.99
Netflix−$15.49
iCloud+−$2.99
Controls · Everyday
Apple Wallet
Ready to add
Online purchases
Card-not-present
International
Zero FX fees on Reserve
ATM withdrawals
Domestic only
Recent transactions
−$6.20
−$67.24
−$18.40
Invest
Simple. Long-term. Recurring by default.
Portfolio value
$4,612.08
$612.08 (+15.3%) all time
Auto-invest on
$100 every Friday · 50% BTC · 30% ETH · 20% SOL
Next buy tomorrow at 9am
Next buy tomorrow at 9am
Holdings
₿
$2,850.42
+18.2%
Ξ
$1,341.66
+12.1%
◎
$420.00
−2.4%
Travel
Zero FX · Powered by Milan Card
Your active trip · in 42 days
Milan & Lake Como
Featured
Positano
Cliffside villas, lemon groves, and the softest Amalfi light.
From$1,820
Sakura season
Kyoto
Temple paths under pink clouds. Dawn tea in a quiet courtyard.
From$2,140
Hidden gem
Marrakech
Zellige courtyards, reflecting pools, sunsets the color of honey.
From$1,290
Adventure
Patagonia
Alpenglow on granite spires, glacial water clear as glass.
From$2,680
Trending
Lisbon
Terracotta rooftops, a yellow tram, and the Tagus turning gold.
From$980
Perks with Milan Card
No foreign transaction fees
Real interbank FX · Instant refunds · 24/7 concierge
0%
FX
Wealth
Every dollar you own, in one view.
Built for the long view.
Net worth
$74,318.60
↑ $2,140 (+3.0%) this month
Yield on Digital Dollars
4.8%
Active
6.0%
8.0%
Portable credit
Onchain history you own
742
Milan Score
Invest
Elsewhere
$12,420
$52,000 eq
Show me
$1,247 to spend this month
Double M Member
Rewards, yield, and your Milan world.
Double M Cash · September
$127.40 +$18 this week
63% to $200 monthly capTap for activity →
Status
See the ladder →
Milan → Mercer
$18,200 / $50k spend
Reach Mercer to unlock private banking, higher yields, and a dedicated advisor. 8 mo to qualify at your pace.
Milan perks
All perks →
Travel credits
$100 property credit on hotel stays 2+ nights
$100 ready
Priority tables
Same-week reservations at 240+ partner restaurants
Available tonight
Airport lounges
Priority Pass · unlimited visits worldwide
Included
Concierge
24/7 human help for reservations, gifts, logistics
Chat now
Cellular protection
$800 phone coverage · $0 deductible
Active
Purchase protection
120-day damage & theft on card purchases
Active
K
Karis Dowe
@karisdowe · Portable identity
Account
Settings
Security, alerts, preferences
Security Center
Protected
Face ID
On
Recovery phrase
Backed up
Membership
Milan Tier
Milan
Travel
Milan Trip · Oct
Family
2 cards
Portability
Export wallet
Anywhere
Statements & taxes
1099 ready
Help
Help & support
Sign out
Milan & Mercer Financial, Inc.
Non-custodial wallet · Cards issued in partnership with Visa
Not FDIC insured · Not a bank
Non-custodial wallet · Cards issued in partnership with Visa
Not FDIC insured · Not a bank
Spaces
Sub-balances with funding rules. Ship in a sprint — banks take quarters.
$1,924.20
$3,150.00
$3,150 of $4,000 rainy-day goal
$1,240.00
$1,240 of $2,000 by Oct 20
$820.40
$2,000.00
Security Center
Your keys, your money
Milan holds your money in a wallet only you can unlock with Face ID. We cannot freeze your account, refuse a payment, or debank you. That's the promise, and the whole point.
Devices & sessions
iPhone 16 Pro
This device
MacBook Pro
2 days ago
Actions
Emergency lock
Freeze everything
New-recipient guard
24h cooling off
Beneficiaries
1 person
Transfer limits
$5k/day
If something goes wrong
Lost or stolen phone
Recovery guide
Notification settings
11 alerts on
Portability guarantee
One tap exports your keys and full history to any external wallet. Milan works even if we don't. That's a feature — not a threat.
Card Details
PLATINUM
Karis Dowe
Card number
•••• •••• •••• 4482
Tap to reveal full card number, CVV, and expiration.
Face ID required. Details auto-hide after 30 seconds.
Double M Cash
September 2026 · Earned so far
$127.40
+$18.20 this week · 63% to the $200 monthly cap
Recent activity
Withdraw cash-back
Available to withdraw
$97.20
$30.20 in pending transactions clears in 1–3 days
Send to
Reserve · 4.85% APY
InstantStays in Milan
Everyday · ••8823
InstantReady to spend
Chase · ••0291
1–3 daysACH transfer
Your tier
Current tier
Milan · Double M
Cardholder since June 2026 · $18,200 spend toward Mercer this cycle
The ladder
Tier 01
Founding
Waitlist tier · unlocked automatically
Everyday card · standard Reserve APY · Discover access
Tier 02 · you are here
Milan · Double M
$10k lifetime spend · reached
6 perks active · lounges, concierge, cellular, purchase protection, priority tables, travel credit
Tier 03 · next
Mercer · Private
$50k spend this cycle · $18,200 / $50k
Dedicated advisor · Reserve at 5.75% APY · white-glove travel · Mercer black card
Tier 04
Mercer · Reserve
Invitation only · $250k liquid or $1M lifetime spend
Private banker · off-market travel · quarterly briefings · custom card
Cashback statements
Lifetime earnings
$1,842.60
Since June 2026 · Auto-deposited to Reserve · Available for 1099-INT export
Monthly payouts
Perk
Card Settings
Managing
Platinum · ••4482
Card controls
Change PIN
4-digit ATM & chip PIN
Travel notice
Let us know when you’re abroad
Off
Spending limits
Daily & per-transaction caps
$5k / day
Merchant categories
Block online, gambling, ATM, etc.
All allowed
Card
Add to Apple Wallet
Tap to pay in stores & online
Replace card
Lost, stolen, or damaged
Cancel card
Permanently deactivate
Change PIN
Enter current PIN
Enter the 4-digit PIN you use at ATMs
Travel notice
Traveling soon?
Let us know so purchases abroad don’t get flagged as fraud. Tap the countries you’ll visit and choose dates.
Destinations
🇮🇹Italy
🇫🇷France
🇬🇧UK
🇯🇵Japan
🇲🇽Mexico
🇨🇦Canada
🇨🇭Switzerland
🇪🇸Spain
+More
Dates
Start
Oct 12, 2026
End
Oct 22, 2026
Spending limits
Daily limit
Resets at midnight
$5,000
Per transaction
Single-swipe cap
$1,500
ATM withdrawal
Cash access per day
$500
International
Foreign purchases
Contactless
Tap-to-pay purchases
Merchant categories
Block specific merchant types instantly. Great for locking down ATMs, gambling, or online purchases when you’re not using them.
ATM withdrawals
Online purchases
In-store swipe
Recurring subscriptions
Gambling
Cash advances
Replace card
Get a new card in your hands fast.
Your virtual card keeps working. Your physical card ships free and arrives in 3–5 days.
Reason
Lost card
I can’t find my card
Stolen card
Someone took my card — lock it now
Damaged card
Chip is failing, card is cracked
Shipping address
Home
2261 W Fullerton Ave, Chicago, IL 60614
Settings
Account
Profile
Name, photo, username
Email & phone
karisdowe@gmail.com
Address
Chicago, IL
Security
Two-factor authentication
SMS or authenticator app
On
Passkeys
Sign in without a password
2 keys
Devices
Active sessions & sign out
3 active
Login history
Recent sign-in activity
Alerts & notifications
Transactions, security, marketing
Change password
Freeze all cards & sends
One tap — stops everything
Preferences
Appearance
Dark, light, or system
Dark
Language
English
Two-factor authentication
Second lock on your account.
Every sign-in from a new device requires a code. Pick your method — authenticator apps are stronger than SMS.
Methods
Authenticator app
1Password, Authy, Google Authenticator
Text message (SMS)
••• ••• 4429
Hardware security key
YubiKey, Titan Key
Not set
Backup codes
View backup codes
10 single-use codes for emergencies
Passkeys
Sign in with your face, fingerprint, or PIN.
Passkeys replace passwords. They’re phishing-resistant and synced across your devices via iCloud or Google.
Your keys
iPhone 16 Pro
Face ID · Added Aug 22
Active
MacBook Pro
Touch ID · Added Jul 14
Active
Active devices
iPhone 16 Pro
Chicago, IL · Now
This device
MacBook Pro
Chicago, IL · 2 hours ago
iPad Air
Chicago, IL · Yesterday
Login history
Last 30 days. Anything look wrong? Tap it to lock your account instantly.
iPhone 16 Pro — Face ID
MacBook Pro — Passkey
New device — iPad Air
iPhone 16 Pro — Face ID
MacBook Pro — Passkey
iPhone 16 Pro — Face ID
Alerts & notifications
Transactions
Every purchase
Push + email
Above $500
Push only
Declined transactions
Push
Security
New device sign-in
Push + email + SMS
Password changed
Push + email
Card frozen or replaced
Push + email
Milan updates
Product news
Rewards & offers
Change password
Rotate your password.
Use at least 12 characters with a mix of letters, numbers, and symbols. We’ll sign you out of other devices.
Current password
New password
Confirm new password
Milan Tiers
Choose your &
Three tiers. Same non-custodial promise.
Current
Milan
Free forever
- Virtual + physical card
- Spaces & funding rules
- 4.8% APY on Digital Dollars
- Global @handle payments
Milan Reserve
$15/mo · Free with $100k balance
- Metal card, embossed
- Zero foreign transaction fees
- 6.0% Reserve-tier yield
- Lounge access · Trip protection
- Priority support
Milan Private
$500k+ balance
- Premium metal card
- Dedicated banker relationship
- Concierge · Wealth planning
- OTC digital-asset execution
- Family structure & cards
Milan Trip
Oct 22 – Nov 2 · 12 days
Milan & Lake Como
Round-trip · JFK ↔ MXP · 2 travelers
Trip spending
$1,240 / $2,000
Travel Card ends 4432 · Zero FX fees
62%
Itinerary
Flight · JFK → MXP
Oct 12
Hotel Principe di Savoia
4 nights
Lake Como day trip
Oct 16
Trip benefits
Zero foreign transaction fees
On
Trip delay coverage
Upgrade
Family
Yours, mine, and ours. Each person keeps their own money. Shared spaces are collaborative.
Partners
$500/mo
to House
Kids
$40/wk
weekly limit
$20/wk
weekly limit
New payment
To
@amara-lagos
$0
Add a note
Instant · Milan @handle · Free
Sent
To @amara-lagos · 8 seconds
Verified onchain
Statements
Monthly PDF statements for tax filing, mortgage applications, or your records. Tap any month to download.
Notifications
Today
Payroll landed 2 days early
Frame Design · $3,200
Frame Design · $3,200
9:12a
Card swipe · Blue Bottle
$6.75 · Virtual card ···4429
$6.75 · Virtual card ···4429
11:04a
Verizon due tomorrow
Autopay is on · $78.40
Autopay is on · $78.40
7:00a
Yesterday
Amara Okafor sent you $340
@amara-lagos · "Rent share"
@amara-lagos · "Rent share"
4:22p
Yield credit posted
$14.83 · 4.8% APY on Dollar Balance
$14.83 · 4.8% APY on Dollar Balance
12:00a
This week
You saved $482 this month
Up 20% vs August
Up 20% vs August
Wed
New sign-in from MacBook Pro
San Francisco · Approved with Face ID
San Francisco · Approved with Face ID
Tue
Prices dropped: JFK → MXP
$612 round-trip on your dates
$612 round-trip on your dates
Tue