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Card size multi-tool is not new. In fact, it existed since when I was in my teen. I had one, inherited from my dad. But the credit card EDC multi-tool you see here, called Universal 3.0, is somewhat unique because it packs over 60 functionalities and it can even be extended to improve its usability. It is the perfect take for 21st century person who wants to do it all without the bulk. Two years in the making and engineered from 440с High Carbon Hardened Stainless Steel , the Universal 3.0 exhibits trade found in many high-end knives, axes, and survival tools, including superb hardness, toughness, wear resistance, edge retention, and corrosion resistance.