MPChatMPChat
52
Side-by-side card comparison
MPChat vs XPlace
XPlace Card has the higher Overall Score by 16 points (68 vs 52). MPChat Card looks stronger for Travel, while XPlace Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Latest check Nov 12, 202658 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
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.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
XPlace Card
Best fit
- Choosing between prefunded USDC spending and crypto-backed Credit Mode.
- Existing Kamino users who want a card linked to eligible collateral.
- Trying Cash Mode on the free Basic plan before paying for a higher tier.
Before you choose
- Cash Mode earns no cashback; rewards require collateral-backed borrowing.
- Borrowing APR is shown in-app; falling collateral can trigger liquidation.
- Basic adds 1% XPlace FX, with another 1% when Visa converts the purchase.
Fees & features
Compare the details
CardsMPChat CardOverall52XPlace CardOverall68
MPChat CardOverall52XPlace CardOverall68Scores
- Overall Score
- MPChat Card52XPlace Card68
- Cashback score
- MPChat Card18XPlace Card49
- Travel score
- MPChat Card72XPlace Card65
- Funds control score
- MPChat Card41XPlace Card67
- Lowest fees score
- MPChat Card60XPlace Card65
- Transfers score
- MPChat Card58XPlace Card62
Costs
- Plan cost
- MPChat Card$0XPlace Card$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separateXPlace Card0–1%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardXPlace CardProvider fee not published; external network or bridge costs may apply and are not card fees
- Card spending fee
- MPChat Card$0.10 + 0.8%XPlace Card0%
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessXPlace CardNot available
- Virtual card
- MPChat CardCloud: 10 USDT one timeXPlace CardNot disclosed
- Physical card
- MPChat CardBoundless: 100 USDT one timeXPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.
Plans & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardXPlace Card4 plans: Basic, Silver, Gold, Platinum
- Top cashback plan
- MPChat CardNot disclosedXPlace CardPlatinum: 2%
- Base cashback
- MPChat CardNot disclosedXPlace Card0.5%
- Max cashback
- MPChat CardNot disclosedXPlace Card2%
- Reward currency
- MPChat CardNot disclosedXPlace CardUSDC
Everyday use
- Network
- MPChat CardVisaXPlace CardVisa
- Card formats
- MPChat CardVirtual, PhysicalXPlace CardVirtual, Physical
- ATM withdrawals
- MPChat CardAvailableXPlace CardNot disclosed
- Mobile wallets
- MPChat CardGoogle PayXPlace CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedXPlace CardiOS, Android
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerXPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controls
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerXPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per month
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyXPlace CardNot available while only the virtual card is live
Funding & transfers
- Networks
- MPChat CardTron (TRC20)XPlace CardSolana
- Crypto deposits
- MPChat CardStablecoins: USDTXPlace CardStablecoins: USDC
- Fiat deposits
- MPChat CardNot disclosedXPlace CardNot disclosed
- Transfers
- MPChat CardStablecoin transfersXPlace CardStablecoin transfers
- Payout currencies
- MPChat CardNot disclosedXPlace CardNot disclosed
Earn
- Advertised APY
- MPChat CardNot offeredXPlace CardUp to 6.15% APY
- How it works
- MPChat CardNot offeredXPlace CardBorrow against collateral, Optional earn vault
- Separate deposit
- MPChat CardNot offeredXPlace CardYes
- Use balance for spending
- MPChat CardNot offeredXPlace CardNo
- Lock-up
- MPChat CardNot offeredXPlace CardNo
Trust & availability
- Custody
- MPChat CardCustodialXPlace CardHybrid custody
- Control until payment
- MPChat CardProvider controls fundsXPlace CardProvider controls funds
- Card issuer
- MPChat CardNot disclosedXPlace CardThird National
- Card processing
- MPChat CardNot disclosedXPlace CardSignify Holdings, Inc. (Rain)
- Identity verification
- MPChat CardNot disclosedXPlace CardSumsub
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
XPlace Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or XPlace
Using an exchange account
XPlace does not require a centralised-exchange account; MPChat does. Consider MPChat if you already want to use that exchange, or XPlace if you want to avoid that account requirement.
Using the crypto you already hold
MPChat's reviewed deposit assets include USDT; XPlace's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
MPChat vs XPlace FAQ
Is MPChat or XPlace better overall?
XPlace Card has the higher Overall Score (68 vs 52). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, MPChat or XPlace?
MPChat Card has the lower published FX fee (0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate vs 0–1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, MPChat or XPlace?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MPChat and XPlace differ on custody?
MPChat Card uses a custodial balance setup, while XPlace Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MPChat vs XPlace comparison?
The latest information check for these two cards was November 12, 2026, using 58 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.