3M card target for 2026 sounds like vaporware until you see the 400K face-verified KYC completions in 30 days — that conversion funnel is legit. The spend-to-mine flywheel where every card tap boosts $ITLG mining yield creates a sticky loop that pure card plays like Crypto.com and Bybit can't replicate. 1.5% tx fee is table stakes though, and HPX still needs to prove it can handle real settlement volume across 170 countries before those 50M merchant claims mean anything.

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