Why it stands out
- 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
A virtual Visa stablecoin card with XPL cashback tiers and optional Plasma Earn. Strong if you want stablecoin spend and XPL perks; less mature for cash access because physical card and ATM support are not available.
High cashbackSelf-custodyLow FXTiered rewardsFree base planDeFi-native
150+ countries; exact supported country must be checked during signup or in-app review because no final country list is approved.
Main trade-offs
- Card access is virtual-only and ATM withdrawals are unavailable.
- 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 is inexpensive to open, but it is not a fee-free travel card. These numbers drive most of the real-world cost.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Top-up0%No stated provider funding surcharge
Foreign exchange0–1%Compare the FX fee with the cashback rate before using it abroad.
ATM withdrawalNot availableNo ATM withdrawal route is listed for this card.
Limits and secondary feesLimits and other fees
Daily card spendDynamic / shown in appListed
Monthly card spendDynamic / shown in appListed
ATM limitNot availableListed
Account depositUnknownListed
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 approved purchase reward rate
Conditional — not the automatic rate
USD cashback paid in XPL
Highest approved tier cap
Memberships
No card
Free plancard not includedLite
Visa
- Cashback
- 2% in XPL on first $500/mo
- Virtual cards
- 1 free virtual card
- Fees
- Standard fees
- Support
- Standard support
- XPL lock
- —
- AI cashback
- —
- AI subscription
- —
- Travel cashback
- —
- 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 on first $1,000/mo
- Virtual cards
- Up to 2 free virtual cards
- Fees
- Reduced fees
- Support
- Priority support
- XPL lock
- 20K XPL for 12 mo
- AI cashback
- 5% on AI offers
- AI subscription
- ChatGPT Go
- Travel cashback
- —
- Best fit
- Upgrade tier for AI perks, higher XPL cashback and priority support.
Highest XPL cashback
100K XPL12-mo lockPlatinum
Visa Infinite
- Cashback
- 4% in XPL on first $3,000/mo
- Virtual cards
- Up to 3 free virtual cards
- Fees
- No added fees
- Support
- VIP support
- XPL lock
- 100K XPL for 12 mo
- AI cashback
- 10% on AI offers
- AI subscription
- Claude Pro and ChatGPT Plus
- Travel cashback
- 10% on flights
- Best fit
- Highest listed XPL cashback and travel perks; check the lock or price before upgrading.
03 · Everyday use
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardNot available
- ATM withdrawalsNot available
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appNot confirmed
- Web appNot confirmed
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 receive · 4 routesCrypto depositsUSDTUSDCBank depositsACHFedwireSEPA5 funding currencies
Crypto deposits
1 route
Crypto deposits
Received as supported stablecoin or converted to USD balance according to card account settings
USDTUSDCPlasmaEthereumSolana+5
- Fee
- 0%
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- 0% · transfer
More assets, currencies or networks
Tron, Polygon, Arbitrum, Optimism, Base
Access path
Via connected wallet
Asset / network map
USDT: Plasma, Ethereum, Solana, Tron, Polygon, Arbitrum, Optimism, Base · USDC: Ethereum, Solana, Base, Optimism, Polygon, Arbitrum
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
3 routes
USD virtual account
Virtual-account deposits are automatically converted into the Plasma One USDT Cash balance.
USD
- Fee
- No fixed fee
- Speed
- Same day
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- No provider transfer fee
Access path
Via connected wallet
Availability
Virtual-account deposits are automatically converted into the Plasma One USDT Cash balance.
Limit scope
Not publicly confirmed
Account setup
virtual account
EUR / GBP virtual accounts
Available rails depend on the user's country and in-app account details.
EURGBP
- Fee
- No fixed fee
- Speed
- Instant
- Limits
- Not confirmed
- Availability
- Region-dependent
Route details
Fee components
- No provider transfer fee
Access path
Via connected wallet
Availability
Available rails depend on the user's country and in-app account details.
Limit scope
Not publicly confirmed
Account setup
virtual account
MXN / BRL local rails
Local rails are region-gated and can require additional provider checks.
MXNBRL
- Fee
- No fixed fee
- Speed
- Varies by rail
- Limits
- Not confirmed
- Availability
- Region-dependent
Route details
Fee components
- No provider transfer fee
Access path
Via connected wallet
Availability
Local rails are region-gated and can require additional provider checks.
Limit scope
Not publicly confirmed
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 settle · 3 routesExternal crypto sendsUSDTUSDC1 networkInternal transfersPlasma One usernamesNot confirmedVaries by railBank transfers & payoutsACHFedwireSEPA5 payout currencies
External crypto sends
1 route
Plasma mainnet sends
External wallet withdrawals are Plasma-mainnet only; sending to other networks can permanently lose funds.
USDTUSDCPlasma
- Fee
- Not confirmed
- Speed
- Network-dependent
- Limits
- Shown in app
- Availability
- Confirmed scope
Route details
Fee components
- Fee terms are descriptive only
Access path
Via connected wallet
Asset / network map
USDT: Plasma · USDC: 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 usernames
Username transfers are separate from card spending and bank withdrawals.
USDTUSDCPlasma
- Fee
- Not confirmed
- Speed
- Varies by rail
- Limits
- Shown in app
- Availability
- Confirmed scope
Route details
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 withdrawals
Withdrawals convert the USDT Cash balance to the selected fiat currency through Plasma's conversion partner.
USDEURGBPMXNBRL
- Fee
- Not confirmed
- Speed
- Varies by rail
- Limits
- Shown in app
- Availability
- SEPA
Route details
Fee components
- Fee not publicly confirmed
Access path
Via connected wallet
Availability
ACH, Wire, SEPA, Faster Payments, SPEI, PIX
Fee scope
Shown in app; intermediary or receiving bank fees may apply
Account setup
virtual account
Restrictions
Withdrawals convert the USDT Cash balance to the selected fiat currency through Plasma's conversion partner.
05 · Optional product
Earn is separate from the card
This yield product requires a separate deposit. APY is variable, and neither return nor principal is guaranteed.
Optional yield
Earn
Up to 5% APY
- Yield source
- Veda vault infrastructure deployed into Aave
- Yield mechanism
- Lending pool
- Protocols
- Aave
- Strategy manager
- Veda
- Risk exposure
- smart contracts, protocol, liquidity, counterparty, market, custody, stablecoin peg, strategy manager
- 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 runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
Availability
The profile lists known restrictions rather than a complete allowed-country list.
Known restrictions5 countries
CubaIranNorth KoreaRussiaSyria
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productPlasma
Public-facing product and account experience; legal operators are listed separately when confirmed.
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 77
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
77/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift91
Company & infrastructure
Named programme infrastructure includes Rain (issuer), Bridge (on/off-ramp), 0x (processing) and Bridge Ventures LLC (on/off-ramp).
Additional support84
Custody & control
Self-custody; funds remain user-controlled before payment.
Main constraint73
Cost efficiency
No monthly fee and 1% FX fee shape the day-to-day cost profile.
08 · Evidence
Sources
25 sources13 officialChecked Jul 15, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Plasma One - Stablecoins for everyday money | PlasmaOfficial source ↗Terms of Service | PlasmaOfficial source ↗Plasma One International Card Terms | PlasmaOfficial source ↗Plasma One Rewards Addendum | PlasmaOfficial source ↗Cards | PlasmaOfficial source ↗How Stablecoin Card Issuance Works: Spending Digital Dollars at Any Merchant | PlasmaOfficial source ↗
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