A plain explainer of the planned app, feature by feature, including what it will not do and how the profit share works.
The question I hear most often, as Shane Ian Murphy and as the founder of Global Secure, is a simple one: what exactly is the app going to do?
This page is my full answer. The home page carries a short Global Secure section alongside my other roles; here I take the time to go through the plan properly. One point first, because it matters more than any feature: Global Secure is coming in 2027. It is not live, and pre-registration is open at www.globalsecureapp.com.
The idea in one paragraph
Global Secure is an all-in-one financial ecosystem app. Instead of one app for crypto, another for currency, another for cards and another for a travel data plan, the aim is to bring those everyday needs into a single place, with clear rules about what each part does. It is designed for people whose money and lives cross borders, which describes most of the people I work with in Singapore, Hong Kong, the UAE and Ireland.
What sits inside the app
Here is the planned feature set, in plain terms:
- Two wallets in one app: a self-custody wallet, where you hold your own keys, and a managed wallet for people who prefer that.
- A crypto exchange built in.
- Multi-currency accounts with IBANs in GBP, EUR, USD, HKD, AED and more.
- Virtual-only debit cards for fiat and stablecoin balances, including single-use and single-purpose cards.
- Rewards points that can be spent across a wide global network.
- Discounted digital gift cards from major brands, with half of the discount passed back to the member.
- A global data eSIM first, with local numbers, voice and text added later.
- More than 30 languages at launch.
A separate business app follows after the consumer launch, so companies are not squeezed into a product built for individuals.
What Global Secure will not do
I think a product description is only half finished until it says what is left out. These are deliberate choices, not gaps:
- No credit cards. Every card is a debit card.
- No lending. Members spend what they hold, nothing more.
- No physical cards. The cards are virtual-only, which suits single-use and single-purpose spending.
- No mixing of KYC data with the self-custody wallet. Identity checks are kept separate from the wallet where you hold your own keys.
- No promise of returns. The profit share described below is a share of profit, never a guaranteed return.
I would rather lose a sign-up by being clear than win one by being vague.
Shane Ian Murphy on the tiers and the profit share
Membership comes in tiers: Basic, Silver and Gold, with more planned later. Silver and Gold include travel insurance, airport lounge access and a VPN. Gold adds more rewards and a bigger profit share.
The profit share is the part people ask about most, so here are the rules exactly as planned. Ten per cent of net profit is set aside in a ring-fenced pot. It is shared with members after 12 continuous paid months. It can be paid in fiat, crypto or points, and the pot is visible in the app.
Two words in that description do a lot of work. “Net” means it comes from profit, not from revenue, so there is only something to share if the company makes a profit. “Ring-fenced” means it is set aside for members rather than mixed in with everything else. It is not interest, it is not a yield and it is not guaranteed.
Why we are building it this way
Most of my working life has been in telecoms and technology: BT, CAE, a boxxe Group company, and Limitless Mobile, the mobile company I founded in the United States. That background taught me that customers forgive a lot, but not surprises on the bill.
So many of the design choices are about avoiding surprises. Debit-only cards mean nobody discovers a debt they did not plan. Single-use cards mean a card number used once cannot be reused. Separate currency balances with their own IBANs mean you can see what you hold without converting it in your head. The eSIM comes first because, for a traveller, connectivity is the first thing to sort out after landing.
Language follows the same logic. More than 30 languages at launch is not a decoration. If someone cannot read what a payment will cost in a language they are comfortable with, they cannot make a fair choice.
All of this is still a plan, and I want to be just as careful about the timing as about the features. For now, the honest status is simple: the app is being built, it is not live, and pre-registration is open at www.globalsecureapp.com. I will publish updates as the product takes shape, and the articles section of this site is where they will appear first.
If you pre-register, you are joining a waiting list, nothing more. You are not opening an account and you are not sending money. When there is real news about the launch, it will be announced through the Global Secure website and summarised here in the same plain language.
Questions people ask
When can I use Global Secure?
The app is coming in 2027. It is not available now. Pre-registration is open at www.globalsecureapp.com.
Will there be a credit card or overdraft?
No. Global Secure is debit only. There are no credit cards and no lending, now or as part of the plan.
Is the profit share a return on my membership?
No. It is a share of net profit from a ring-fenced pot, shared after 12 continuous paid months. If there is no profit, there is nothing to share, and it is never guaranteed.
That is the plan as it stands. As Shane Ian Murphy, I would rather explain Global Secure slowly and accurately than quickly and loosely, and I will keep updating this explainer as the build moves towards 2027.
*Shane Ian Murphy is the founder of Global Secure (www.globalsecureapp.com) and a co-founder and partner of TriParty Tokenisation (www.tripartytokenisation.com). Official site: shaneianmurphy.com*
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