KARTY is a financial technology service provided by Papaya Ltd, an Electronic Money Institution authorized by the Central Bank of Cyprus. The company's mission is to offer a simple, secure, and modern alternative to traditional banking. Through its mobile app, KARTY provides users with a European IBAN for SEPA transfers, a physical and virtual debit Mastercard for payments, and tools for managing their finances, all without the complexities of a conventional bank.

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