Main strengths
- Lite earns XPL cashback up to its listed monthly tier cap.
- Core and Platinum raise cashback caps and add AI or travel perks.
- Plasma Earn is a separate yield product, not card cashback.
Lite cardStandard card design
Stablecoin account + Visa card
Plasma One Card
Plasma One combines Visa stablecoin spending, XPL cashback tiers and optional Plasma Earn in iOS and Android apps. Virtual cards remain the broadest option; physical ordering is documented for eligible Platinum members and is in a limited rollout to selected high-spending Core users.
Self-custodyClear feesTiered rewardsFree base planDeFi-nativePhysical card
Main trade-offs
- Core remains a limited rollout; Platinum is documented; ATMs are unsupported.
- Headline percentages apply only up to each tier's cashback cap.
- Core and Platinum require annual payment or a 12-month XPL lock.
01 · Core economics
Costs that matter
Plasma One Card has a $0 entry option, with paid tiers for higher rewards or added benefits. Funding, FX and cash-access costs remain visible below.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Top-up0%No stated provider funding surcharge
Provider FX markup0–1%Lite is 1%, Core is 0.5% and Platinum is 0%.
Card network conversion surcharge1%Visa adds about 1% when it performs currency conversion.
Asset conversion fee0%No separate asset-conversion fee is listed for card spending.
ATM withdrawalNot availableNo ATM withdrawal route is listed for this card.
Physical cardFirst free; delivery $0–$50Core delivery is $20 standard or $50 express during the limited rollout; Platinum delivery is free standard or $30 express. Additional or replacement cards cost $40 for Core and $120 for Platinum. The final in-app quote controls.
Limits and secondary feesLimits and other fees
Daily card spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limit$0/24hListed
Account depositNot disclosedListed
02 · Plans & rewards
Choose the plan and the rewards together
Plasma One Card keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Lowest current purchase reward rate
Conditional: not the automatic rate
USD cashback paid in XPL
Highest current full-rate threshold; spend above it earns 3%
Memberships
Instant issue
$0after KYCLite
Visa
- Cashback
- 2% in XPL
- Full-rate spend
- $500 / month; then 0.1%
- Virtual cards
- 1 free virtual card
- Fees
- Standard fees
- Support
- Standard support
- Physical card
- Not available
- FX fee
- 1% + 1% Visa fee
- XPL lock
- Not listed
- AI cashback
- Not listed
- AI subscription
- Not listed
- Further bands
- Not listed
- Travel cashback
- Not listed
- Best fit
- Free entry tier with the lowest XPL cashback rate.
AI boost
$199/yr or 20K XPL lockCore
Visa Signature
- Cashback
- 3% in XPL
- Full-rate spend
- $1,000 / month; then 2%
- Virtual cards
- Up to 2 free virtual cards
- Fees
- Reduced fees
- Support
- Priority support
- Physical card
- Limited rollout for selected high-spending Core users; first card free; standard delivery $20 or express $50; additional or replacement card $40
- FX fee
- 0.5% + 1% Visa fee
- XPL lock
- 20K XPL for 12 mo
- AI cashback
- 5% on AI offers
- AI subscription
- ChatGPT Go
- Further bands
- $1,000-$2,000 at 2%; $2,000-$3,000 at 1%; above $3,000 at 0.25%
- Travel cashback
- Not listed
- Best fit
- Upgrade tier for AI perks, higher XPL cashback and priority support.
Highest XPL cashback
150K XPL12-mo lockPlatinum
Visa Infinite
- Cashback
- 4% in XPL
- Full-rate spend
- $3,000 / month; then 3%
- Virtual cards
- Up to 3 free virtual cards
- Fees
- No added fees
- Support
- VIP support
- Physical card
- 1 free physical Visa card for eligible members; standard delivery free or express $30
- FX fee
- 0% + 1% Visa fee
- XPL lock
- 150K XPL for 12 mo
- AI cashback
- 10% on AI offers
- AI subscription
- Claude Pro and ChatGPT Plus
- Further bands
- $3,000-$10,000 at 3%; $10,000-$15,000 at 2%; above $15,000 at 1%
- Travel cashback
- 10% on eligible airlines · $300/non-rolling 6 mo · $600/year
- Best fit
- Highest listed XPL cashback and travel perks; check the lock or price before upgrading.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsNo ATM access
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot disclosed
Account rails
- Stablecoin depositsAvailable
- USD bank detailsAvailable
- EUR bank detailsAvailable
- Local payoutsNot confirmed
- Card-funded top-upsCountry-specific
04 · Money in and out
How money enters, settles and leaves Plasma
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive5 routes
Crypto deposits
1 route
Crypto depositsReceived as supported stablecoin or converted to USD balance according to card account settingsUSDTUSDCUSDGPlasmaEthereum+9FeeNo fixed feeSpeedVaries by railLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- USDT and USDG deposits are free
- USDC deposit waiver
More assets, currencies or networks
Solana, Tron, Polygon, Arbitrum, Optimism, BNB Smart Chain, HyperEVM, Base, Robinhood Chain
Access path
Via connected wallet
Asset / network map
USDT: Plasma, Ethereum, Solana, Tron, Polygon, Arbitrum, Optimism, BNB Smart Chain +1 · USDC: Ethereum, Solana, Base, Optimism, Polygon, Arbitrum, HyperEVM · USDG: Robinhood Chain
Availability
Supported asset and network combinations
Limit scope
Deposit limits not publicly confirmed
Account setup
wallet
Restrictions
Supported receive and outbound networks for this stablecoin.
Bank deposits
4 routes
USD virtual accountFiat received through the virtual account is automatically converted to the Plasma One USDT Cash balance.USDFee$1Speed1–3 business daysLimitsShown in appAvailabilityRegion-dependentDetails
Fee components
- $1 · ACH / Wire
Access path
Via connected wallet
Availability
The current table says these are all-in onramp charges; the deposit is converted into the Plasma One USDT Cash balance.
Account setup
virtual account
EUR / GBP virtual accountsFiat received through the virtual account is automatically converted to the Plasma One USDT Cash balance.EURGBPFee$0.5SpeedInstantLimitsShown in appAvailabilitySEPADetails
Fee components
- $0.5 · SEPA / Faster Payments
Access path
Via connected wallet
Availability
Available rails depend on the user's country and in-app account details.
Account setup
virtual account
MXN / BRL local railsFiat received through the virtual account is automatically converted to the Plasma One USDT Cash balance.MXNBRLFee$1SpeedVaries by railLimitsShown in appAvailabilityRegion-dependentDetails
Fee components
- $1 · SPEI / PIX
Access path
Via connected wallet
Availability
Local rails are region-gated and can require additional provider checks.
Account setup
virtual account
COP virtual accountFiat received through the virtual account is automatically converted to the Plasma One USDT Cash balance.COPFee$1SpeedVaries by railLimitsShown in appAvailabilityRegion-dependentDetails
Fee components
- $1 · Bre-B
Access path
Via connected wallet
Availability
The COP virtual account uses a business beneficiary name and is region-gated.
Account setup
virtual account
Balance & conversionWallet control
Assets stay in the connected wallet until an authorized spend or transfer action.
What happens on receipt
How a received asset reaches the spendable balance depends on the supported asset and account setup.
Money outWays to send, withdraw or settle3 routes
External crypto sends
1 route
Plasma mainnet sendsExternal wallet withdrawals are Plasma-mainnet only; sending to other networks can permanently lose funds.USDTUSDCUSDGPlasmaFeeNot confirmedSpeedNetwork-dependentLimitsShown in appAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Via connected wallet
Asset / network map
USDT: Plasma · USDC: Plasma · USDG: Plasma
Availability
Plasma One usernames and external wallet addresses on Plasma mainnet
Account setup
wallet
Restrictions
External wallet withdrawals are Plasma-mainnet only; sending to other networks can permanently lose funds.
Internal transfers
1 route
Plasma One usernamesUsername transfers are separate from card spending and bank withdrawals.USDTUSDCPlasmaFeeNot confirmedSpeedVaries by railLimitsShown in appAvailabilityConfirmed scopeDetails
Fee components
- Fee not publicly confirmed
Access path
Via connected wallet
Asset / network map
USDT: Plasma · USDC: Plasma
Availability
Transfers to another Plasma One user by username
Fee scope
Shown in app before confirmation
Restrictions
Username transfers are separate from card spending and bank withdrawals.
Bank transfers & payouts
1 route
Virtual account withdrawalsWithdrawals convert the USDT Cash balance to the selected fiat currency through Plasma's conversion partner.USDEURGBPMXN6 currenciesFee$1 + 1%SpeedVaries by railLimitsShown in appAvailabilitySEPADetails
Fee components
- 1% · All bank offramps
- $1 · COP Bre-B offramp
- Rail fee varies
More assets, currencies or networks
BRL, COP
Access path
Via connected wallet
Availability
ACH, Wire, SEPA, Faster Payments, SPEI, PIX and Bre-B
Account setup
virtual account
Restrictions
Withdrawals convert the USDT Cash balance to the selected fiat currency through Plasma's conversion partner.
05 · Optional product
Add yield through a separate balance
Earn adds a variable yield option through a separate deposit. Move funds back to the spending balance when direct card spend is not supported.
Optional yield
Earn
Up to 5% APY
- Yield source
- Veda vault infrastructure deployed into Aave
- Yield mechanism
- Lending pool
- Protocols
- Aave
- Strategy manager
- Veda
- Redemption
- No fixed lockup disclosed; move funds back to the spending balance before using the card.
- Asset
- Cash balance / stablecoins
- Spend directly from Earn balance
- No
- Withdraw anytime
- Yes
- Deposit insurance
- No
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Plasma is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
Availability
Known restrictions are listed, but a complete allowed-country list is not available.
- Explicit restrictions
- 7 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Explicit restriction list7 countries
CubaIranNorth KoreaRussiaSyriaUkraineVenezuela
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productPlasma
Provides the product and account experience. Named legal operators appear separately.
Custody controlCardholder
Retains control of funds until payment.
Self-custodyCard issuerRain
Issues the card for the applicable programme.
Deposits & withdrawalsBridge
Supports deposit, withdrawal or conversion rails.
Custody / key managementPrivy
Provides key-management infrastructure for Plasma One non-custodial wallets.
Applies to: Plasma One smart-contract wallet accounts.Custody / key managementVeda
Provides custody or key-management infrastructure.
Card processing0x
Supports card processing for the applicable programme.
Programme operatorPlasma
Provides the Plasma One software platform and card-access experience; it is not the issuer or a bank.
Jurisdiction: Cayman Islands · Applies to: Plasma One platform and application services.Deposits & withdrawalsBridge Ventures LLC
Provides fiat on- and off-ramp services offered through Plasma One.
Applies to: Users who access Bridge services through Plasma One; regional Bridge entity varies.Card issuerThird National
Issues the card and is responsible for card-account funding and issuer decisions.
Applies to: Plasma One international card programme for non-US applicants under the captured terms.07 · Methodology
Why the score is 87
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
87/100
StrongHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift93
Company & infrastructure
Named programme infrastructure includes Rain (issuer), Bridge (on/off-ramp), 0x (processing) and Bridge Ventures LLC (on/off-ramp).
Additional support92
Custody & control
Self-custody; funds remain user-controlled before payment.
Main constraint50
Availability & eligibility
Availability remains region-dependent. The current official source publishes strict country exclusions, conditional document-country rules and a scoped supported-US-state list, but no complete global country allowlist. Applicants outside the strict list may attempt verification; this is not a guarantee of issuer or sanctions-screening approval; kyc is required.
08 · Evidence
Sources
16 sources12 officialChecked Aug 27, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Plasma Support — official Plasma One Help CenterOfficial source ↗Plasma One product pageOfficial source ↗Plasma One account-opening privacy noticeOfficial source ↗Plasma One Android Launch Free Core Promotion - Supplemental TermsOfficial source ↗Plasma One - Stablecoins for everyday money | PlasmaOfficial source ↗Terms of Service | PlasmaOfficial source ↗
09 · Card comparison
How Plasma One Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
1 / 3
Current card
Plasma One Card
A virtual Visa stablecoin card for iOS and Android, with optional Plasma Earn.
- Card
- Wallet-linked Visa, Virtual + Physical
- Funds control
- Self-controlled wallet
- Cashback
- 2%–10%
- FX fee
- 0–1% + 1% Visa fee
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT, USDC + USDG
- Transfers & payouts
- Crypto, Bank + Internal transfers
- Card
- Credit line Visa, Virtual only
- Funds control
- Self-controlled wallet
- Cashback
- 3%–5%
- FX fee
- 1%
- Apps
- iOS, Android, Web app
- Stablecoin set
- soUSD, USDC + USDT
- Transfers & payouts
- Crypto transfers
- Card
- Credit line Visa, Virtual + Physical
- Funds control
- Self-controlled wallet
- Cashback
- 1.5%–6%
- FX fee
- 0% Tria markup; issuer-programme FX fee up to 3%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC + USDT
- Transfers & payouts
- Crypto transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
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