Main strengths
- Choose prefunded USDC spending or borrow USDC against Kamino collateral.
- Cash Mode pays 0.5%-2%; Credit Mode pays 1%-4%, with tiered caps.
- The live virtual Visa supports Apple Pay and Google Pay after KYC.
XPlace Cash Mode card frontVirtual card design
Crypto-backed Visa credit card
XPlace Card
XPlace combines a prefunded USDC Cash Mode with a collateral-backed Credit Mode in one virtual Visa. Four annual membership tiers set cashback, caps, spend limits and the XPlace FX layer, while Apple Pay and Google Pay support phone-wallet spending after KYC.
Low FXNo CEXTiered rewardsCrypto-nativeETH depositsFree base plan
Main trade-offs
- Physical cards remain coming soon, so ATM withdrawals are unavailable.
- Paid tiers cost up to 999 USDC yearly, and Visa conversion can add 1%.
- Credit Mode APR is variable and unknown publicly; liquidation risk applies.
01 · Core economics
Costs that matter
XPlace 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
Cash fundingNot disclosedProvider fee not published; external network or bridge costs may apply and are not card fees
Provider FX markup0–1%Basic 1%, Silver 0.5%, Gold 0.25% and Platinum 0%.
Card network conversion surcharge1%Visa applies this when it performs the currency conversion. It is additional to the XPlace tier rate.
Card spending0%No listed base spend fee
Physical cardNot confirmedDepends on tier
Limits and secondary feesLimits and other fees
ATM withdrawalNot availableListed
Declined transactionNot disclosedNot disclosed
Daily card spendNot disclosedListed
Monthly card spend$2,000/monthListed
ATM limitNot disclosedListed
Account depositNot disclosedListed
02 · Plans & rewards
Choose the plan and the rewards together
XPlace 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
USDC
Current monthly cashback-value cap range across tiers
Memberships
1-3 / 4
Upgrade
Free entry tier; veri...requirementBasic
Virtual Visa with selectable Cash Mode and Credit Mode
- Cashback
- 0.5% in USDC
- Cashback Cap
- $10 / month
- Requirement
- Free entry tier; verified XPlace account
- Physical card
- Not available
- FX fee
- 1% XPlace + 1% Visa fee when Visa converts
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
$99/yrSilver
Virtual Visa with selectable Cash Mode and Credit Mode
- Cashback
- 1% in USDC
- Cashback Cap
- $40 / month
- Requirement
- Active Silver annual membership
- Physical card
- $99 Silver physical card order; courier included; estimated delivery 3-12 days
- FX fee
- 0.5% XPlace + 1% Visa fee when Visa converts
- Best fit
- Paid middle tier: compare the annual price against the cashback uplift and card design benefits.
Upgrade
$249/yrGold
Virtual Visa with selectable Cash Mode and Credit Mode
- Cashback
- 1.5% in USDC
- Cashback Cap
- $100 / month
- Requirement
- Active Gold annual membership
- Physical card
- Not available
- FX fee
- 0.25% XPlace + 1% Visa fee when Visa converts
- Best fit
- Paid middle tier: compare the annual price against the cashback uplift and card design benefits.
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
- Crypto depositsVia provider account
- Bank depositsUnknown
- Crypto withdrawalsVia provider account
- Fiat withdrawalsUnknown
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves XPlace
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive2 routes
Crypto deposits
2 routes
Crypto depositsFunds the prefunded Cash Mode card balanceUSDCFeeNot confirmedSpeedNot confirmedLimitsTier card-spend limits are known; a separate top-up limit is not publishedAvailabilityConfirmed scopeDetails
Fee components
- Fee terms are descriptive only
Access path
Direct card balance
Availability
Supported asset and network combinations
Restrictions
The reviewed card instructions name USDC but do not publish one reusable top-up network matrix.
USDC Cash Mode top-upThis rail funds the card balance and must not be merged with collateral deposited for Credit Mode.USDCFeeNot confirmedSpeedNot confirmedLimitsSeparate top-up limit not published; membership card-spend limits apply after fundingAvailabilityConfirmed scopeDetails
Fee components
- Fee not publicly confirmed
Access path
Direct card balance
Availability
USDC into the Cash Mode card balance; the reviewed source does not publish a reusable network list
Restrictions
This rail funds the card balance and must not be merged with collateral deposited for Credit Mode.
Balance & conversionHybrid settlement
Funding and settlement cross wallet and provider-controlled account boundaries.
What happens on receipt
Cash Mode accepts USDC.
Money outWays to send, withdraw or settle1 route
External crypto sends
1 route
XPlace account crypto sendParent-account capability only; it is not a direct withdrawal from the XPlace Card balance.Supported cryptoFeeNot confirmedSpeedNetwork-dependentLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee not publicly confirmed
Access path
Via provider account
Availability
External wallet from the parent XPlace account; supported assets and networks are not fully published
Fee scope
Not publicly confirmed
Restrictions
Parent-account capability only; it is not a direct withdrawal from the XPlace Card balance.
05 · Credit & yield
Collateral assets earn yield and back spending
Some yield positions can also be part of card credit or borrow-against-collateral mechanics. Treat this differently from a simple spendable balance.
Collateral credit
XPlace collateral yield via Kamino
Up to 1.6%-6.2% APY
- Yield source
- On-chain borrowing demand in Kamino Finance lending markets
- Yield mechanism
- Lending pool
- Protocols
- Kamino Finance
- Strategy manager
- Kamino Finance protocol
- Redemption
- Collateral can be withdrawn when it is not backing an outstanding loan and protocol liquidity permits
- Assets
- SOL, wETH, cbBTC, USDT, jitoSOL
- Card relationship
- Yield position can support collateral-backed card credit
- Separate Earn deposit
- Yes
- Deposit insurance
- Not confirmed
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 XPlace 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.
- Verification provider
- Sumsub
Availability
Known restrictions are listed, but a complete allowed-country list is not available.
- Explicit restrictions
- 17 countries · 19 US statesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Explicit restriction list17 countries · 19 US states
BelarusChinaCubaIndiaIranIraqIsraelMyanmarNepalNicaraguaNorth KoreaRussiaSyriaTurkeyUkraineUS-AZUS-DEUS-GAUS-IDUS-LAUS-MDUS-MOUS-MSUS-NDUS-NMUS-NVUS-OHUS-ORUS-RIUS-SDUS-TNUS-VTUS-WAUS-WIVenezuelaVietnam
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productXPlace
Provides the product and account experience. Named legal operators appear separately.
Custody controlXPlace + programme partners
Controls settlement until payment.
Hybrid custodyCard issuerThird National
Issues the card for the applicable programme.
Applies to: International programme under the reviewed agreement; regional programme mechanics may differ.Card processingSignify Holdings, Inc. (Rain)
Programme-management and issuing-sponsor functions described by the captured Terms.
Identity verificationSumsub
Identity and KYC verification processing.
07 · Methodology
Why the score is 68
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.
68/100
ModerateHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift88
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay and Google Pay.
Additional support84
Company & infrastructure
Named programme infrastructure includes Third National (issuer), Signify Holdings, Inc. (Rain) (processing) and Visa (network).
Main constraint41
Rewards value
0.5% base cashback and up to 4%; higher rates depend on complex conditions, paid in USDC.
08 · Evidence
Sources
28 sources26 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
09 · Card comparison
How XPlace 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
XPlace Card
Choose prefunded USDC spending or borrow USDC against Kamino collateral.
- Card
- Credit line Visa, Virtual + Physical
- Funds control
- Hybrid custody
- Cashback
- 0.5%–4%
- FX fee
- XPlace layer: Basic 1%, Silver 0.5%, Gold 0.25%, Platinum 0%; Visa adds 1% when it converts
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC + USDT
- Transfers & payouts
- Crypto transfers
- Card
- Credit line Visa, Virtual only
- Funds control
- Hybrid custody
- Cashback
- 0%
- FX fee
- 1.7% foreign-currency conversion
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC + USDT
- Transfers & payouts
- Not confirmed
Similar match
A Visa for spending USDC from Solana, with phone-wallet access and optional yield on spendable sUSD.
- Card
- Card type not confirmed Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0% base
- FX fee
- Not confirmed
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC
- Transfers & payouts
- Not confirmed
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
Help keep this page accurate
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