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Your comparison2 of 4 cards selected
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Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
Black Xapo Bank World Elite debit Mastercard card front
Xapo Bank

Xapo Card

70Overall

Best fit

  • Existing Xapo Bank members spending directly from their USD or BTC account.
  • Combining card spending with Lightning, SEPA and Faster Payments transfers.

Before you choose

  • The card requires a Xapo Bank membership costing $1,000 each year.
  • BTC purchases include a variable spread, currently listed at 0.29%.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
MPChat Card: 52
Xapo Card: 70
Cashback score
MPChat Card: 18
Xapo Card: 24
Travel score
MPChat Card: 72
Xapo Card: 91
Funds control score
MPChat Card: 41
Xapo Card: 64
Lowest fees score
MPChat Card: 60
Xapo Card: 78
Transfers score
MPChat Card: 58
Xapo Card: 100
02

Costs

Plan cost
MPChat Card: $0
Xapo Card: $1,000/year
FX fee
MPChat Card: 0%
Xapo Card: 0%
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Xapo Card: No direct card top-up; the Xapo Account balance funds card spending
Card spending fee
MPChat Card: 0.8%
Xapo Card: 0%
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Xapo Card: 0$ up to 100$, then 2%
Virtual card
MPChat Card: Cloud: 10 USDT one time
Xapo Card: $0 in the Visa Europe programme; outside-Europe pricing not disclosed
Physical card
MPChat Card: $100
Xapo Card: $0
Asset conversion fee
MPChat Card: Not disclosed
Xapo Card: 0.29%
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
Xapo Card: Xapo Bank membership
Base cashback
MPChat Card: Not disclosed
Xapo Card: 0%
Max cashback
MPChat Card: Not disclosed
Xapo Card: 3% (promotion)
Reward currency
MPChat Card: Not disclosed
Xapo Card: BTC
Cashback cap · entry plan
MPChat Card: Not disclosed
Xapo Card: Not disclosed
Reward payout
MPChat Card: Not disclosed
Xapo Card: Fifth day of the following month
Programme opt-in
MPChat Card: Not disclosed
Xapo Card: Not required
Programme end date
MPChat Card: Not disclosed
Xapo Card: Oct 31, 2026
Taxi, Limousine, Ride Hailing And Private Hire rewards
MPChat Card: Not listed
Xapo Card: 3%
04

Everyday use

Network
MPChat Card: Visa
Xapo Card: Visa/Mastercard
Card formats
MPChat Card: Virtual, Physical
Xapo Card: Virtual, Physical
ATM withdrawals
MPChat Card: Available
Xapo Card: Available
Mobile wallets
MPChat Card: Google Pay
Xapo Card: Not disclosed
Apps
MPChat Card: Not disclosed
Xapo Card: iOS, Android
Daily spending limit
MPChat Card: $250,000 / day
Xapo Card: $50,000 / day
Monthly spending limit
MPChat Card: $1,000,000 / month
Xapo Card: $250,000 / month
ATM limit
MPChat Card: $1,500 / day
Xapo Card: $2,000 / day
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
Xapo Card: Bitcoin, Lightning, Ethereum, Tron, Solana
Stablecoin deposits
MPChat Card: USDT
Xapo Card: USDC, USDT
Other crypto deposits
MPChat Card: Not disclosed
Xapo Card: BTC
Fiat deposits
MPChat Card: Not disclosed
Xapo Card: SWIFT receive, ACH receive, SEPA receive +1
Crypto transfers
MPChat Card: External USDT withdrawal
Xapo Card: Bitcoin Lightning send, USDC and USDT send
Internal transfers
MPChat Card: Not disclosed
Xapo Card: Not disclosed
Bank transfers
MPChat Card: Not disclosed
Xapo Card: SWIFT payout, SEPA payout, Faster Payments payout +1
Payout currencies
MPChat Card: Not disclosed
Xapo Card: USD, GBP, EUR
06

Earn

Advertised APY
MPChat Card: Not offered
Xapo Card: Up to 3.35% APY
How it works
MPChat Card: Not offered
Xapo Card: Earn on spending balance
Separate deposit
MPChat Card: Not offered
Xapo Card: No
Use balance for spending
MPChat Card: Not offered
Xapo Card: Yes
Lock-up
MPChat Card: Not offered
Xapo Card: No
07

Trust & sources

Custody
MPChat Card: Custodial
Xapo Card: Custodial
Control until payment
MPChat Card: Provider controls funds
Xapo Card: Provider controls funds
Card issuer
MPChat Card: Not disclosed
Xapo Card: Transact Payments Malta Limited
Bank transfers
MPChat Card: Not disclosed
Xapo Card: Xapo Bank Limited
Official sources
MPChat Card: 30
Xapo Card: 21
Last reviewed
MPChat Card: Nov 12, 2026
Xapo Card: Nov 12, 2026

Using the comparison

Compare cards FAQ

Can I compare more than two cards on my phone?

Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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