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XPlace Card

Updated: Sep 15, 2026

The XPlace Card is a non-custodial crypto payment card operated by Pontech Group L.L.C-FZ and providing payment services through the Visa network. In Cash Mode, users can directly spend USDC or USDT. In Credit Mode, they can use assets such as BTC, ETH, and SOL as collateral and borrow USDC through Kamino Finance for payments. The product has four tiers—Basic, Silver, Gold, and Platinum—and offers virtual cards, plastic physical cards, and metal cards, with USDC cashback, airport lounge access, and travel benefits varying by tier.
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Card network
Product type
Crypto-collateral credit card
Card form
Virtual card / Virtual + physical card / Virtual + metal card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDTUSDCBTCETHBNBSOLXRPADADOGEAVAXDOTLINKMATICATOMLTCBCHDAIXLMUNIUSD
Last updated
Sep 15, 2026

Official and company information

Issuer identity and company credentials

XPlace (x.place) is a one-stop financial platform offering crypto lending, credit card spending, and wealth management. Compared to the various payment card platforms you have previously inquired about, it focuses more on the "asset-backed lending" model, where users can obtain cash flow without selling their crypto assets. Core overview Asset-backed model: XPlace's core selling point is "Spend Without Selling." Users deposit crypto assets as collateral to obtain an instant credit line (credit card) for daily spending. Main features: Crypto credit card: Linked to a Visa card, supporting global spending, Apple Pay, and Google Pay. Yield earning: The platform claims to provide daily compound interest (APY) on collateral assets through optimized yield strategies. Tax optimization: Emphasizes avoiding capital gains tax events by borrowing rather than selling assets. Liquidity support: Offers international transfers and virtual bank account functions.
Visit website Application page
Company / issuer
XPlace
Legal name
XPlace
Registered region
Unconfirmed
Headquarters
Unconfirmed
Company type
Program manager
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

XPlace integrates a self-custody wallet, DeFi yield, collateralized borrowing, and a Visa card in one app. After users deposit supported digital assets, the assets enter an on-chain structure controlled by the user and operated through smart contracts. Cash Mode directly debits the stablecoin balance. Credit Mode uses assets such as BTC, ETH, or SOL as collateral and automatically creates an available USDC limit. After spending, users can repay the balance, add collateral, or reduce the borrowed amount. A virtual card can be created immediately after KYC and added to Apple Pay or Google Pay. Silver and higher tiers progressively offer plastic or metal cards. Physical cards are delivered by region and generally require 7 to 14 business days. The card can be used for online spending, physical merchants, subscriptions, and ATM withdrawals, but a decline in collateral asset prices may trigger automatic liquidation by the Kamino protocol.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

XPlace Basic Card
XPlace Silver Card
XPlace Gold Card
XPlace Platinum Card
Card formVirtual cardVirtual + physical cardVirtual + metal cardVirtual + metal card
Fees
Monthly fee
Free
Basic membership has no annual fee
8.25 USD
Effectively $99 per year
20.75 USD
Effectively $249 per year
83.25 USD
Effectively $999 per year
Card issuance fee————
ATM fee————
Foreign exchange fee
1%
Cross-currency payment markup
0.5%
Cross-currency payment markup
0.25%
Cross-currency payment markup
Free
Platinum tier zero markup
Top-up fee
2%
Bank transfer top-up fee
1.5%
Bank transfer top-up fee
1%
Bank transfer top-up fee
0.5%
Bank transfer top-up fee
Failed transaction fee————
Rewards
Cashback
1%
Accumulated on qualifying purchases, cashback in XP
3%
Accumulated on qualifying spend, returned as XP
6%
Accumulated on qualifying spend
10%
Accumulated on qualifying purchases, cashback in XP
Crypto cashback
1%
Credit payment mode returns 1% USDC; Cash payment mode returns 0.5% USDC
2%
Credit payment mode earns 2% back, Cash payment mode earns 1% back in USDC
3%
Credit mode 3%, Cash mode 1.5% USDC, calculated by payment mode
2%
Credit payment earns 4% back in USDC, Cash payment earns 2% back in USDC, calculated by payment mode
Staking rewards
0%
Kamino floating yield, collateral assets earn interest simultaneously
0%
Kamino floating yield, collateral assets earn interest simultaneously
0%
Kamino floating yield, collateral assets earn interest simultaneously
0%
Kamino floating yield, collateral assets earn interest simultaneously
Staking APR
1.59%
Official website shows floating range 1.59%–6.15%
1.59%
Official website shows floating range 1.59%–6.15%
6.15%
Official website shows floating range 1.59%–6.15%
1.59%
Official website shows floating range 1.59%–6.15%
Welcome bonus—
50 USD
Plus up to 25,000 XP, subject to deposit and spend conditions
125 USD
Plus up to 100,000 XP, subject to deposit and spend conditions
500 USD
Plus up to 200,000 XP, subject to deposit and spend conditions
Referral bonus
250 USD + 1%
Up to $250 plus 1%, based on invitation tier and activity
250 USD + 1%
Up to $250 plus 1%, based on invitation tier and activity
250 USD + 1%
Up to $250 plus 1%, based on invitation tier and activity
250 USD + 1%
Up to $250 plus 1%, based on invitation tier and activity
Limits
Daily spending limit————
Monthly spending limit
2,000 USD
Basic membership monthly cap
20,000 USD
Official website member monthly limit
200,000 USD
Gold member monthly limit
750,000 USD
Platinum member monthly limit
ATM withdrawal limit————
Card network
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

88
ItalyITMoroccoMAEthiopiaETEstoniaEEJapanJPSingaporeSGNigeriaNGGhanaGHGermanyDECôte d’IvoireCIPolandPLHong KongHKMexicoMXPeruPEEgyptEGDominican RepublicDOTaiwanTWLuxembourgLUAustraliaAUQatarQAPortugalPTDenmarkDKMongoliaMNKenyaKECzechiaCZMozambiqueMZCanadaCAFinlandFIJordanJOCosta RicaCRPhilippinesPHSlovakiaSKPanamaPAEl SalvadorSVChileCLRwandaRWIcelandISArgentinaARNew ZealandNZUzbekistanUZFijiFJCambodiaKHLithuaniaLTSouth KoreaKRSenegalSNNorwayNOUnited KingdomGBOmanOMNetherlandsNLUruguayUYSouth AfricaZASri LankaLKFranceFRColombiaCOKuwaitKWBoliviaBOUnited States (Excluding Restricted States)SloveniaSIGeorgiaGEMalaysiaMYRomaniaROBrazilBRGuatemalaGTTanzaniaTZLatviaLVCameroonCMEcuadorECMaltaMTGreeceGRSwedenSEUnited Arab EmiratesAESaudi ArabiaSATrinidad & TobagoTTUgandaUGParaguayPYSwitzerlandCHSpainESBelgiumBEKazakhstanKZJamaicaJMTunisiaTNBahrainBHAustriaATBulgariaBGThailandTHIrelandIEHungaryHUPuerto RicoPR
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

54
NicaraguaNIUkraineUASomaliaSOSerbiaRSSyriaSYRussiaRULouisianaAlbaniaALOhioCentral African RepublicCFLiberiaLRRhode IslandDelawareBangladeshBDBelarusBYZimbabweZWCubaCUSouth DakotaMarylandWashingtonVietnamVNYemenYEVenezuelaVEWisconsinOregonCyprusCYVermontArizonaBosnia & HerzegovinaBAPakistanPKTürkiyeTRNorth DakotaMontenegroMEChinaCNIndonesiaIDCroatiaHRMyanmar (Burma)MMMoldovaMDIsraelILNorth MacedoniaMKIranIRNepalNPAfghanistanAFLebanonLBNew MexicoGeorgiaEritreaERHaitiHTIndiaINNevadaLibyaLYIdahoNorth KoreaKPIraqIQ
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Can apply，Can use，U.S. residents are covered by XPlace’s separate U.S. card program and must complete the required identity and account verification before the card is issued.
2. United Kingdom：Can apply，Can use，UK residents are eligible under XPlace’s international card program and can obtain the card after completing the required KYC verification.
3. Canada：Can apply，Can use，Canadian residents are outside XPlace’s restricted jurisdictions and can apply through the international card program after completing identity verification.
4. Australia：Can apply，Can use，Australian residents are eligible under XPlace’s international card program and can obtain the card after completing the required KYC checks.
5. South Africa：Can apply，Can use，South Africa is supported under XPlace’s international program and residents can apply after completing identity verification.
6. New Zealand：Can apply，Can use，New Zealand residents are eligible for the international XPlace Card program and can obtain the card after completing the required verification.
7. Ireland：Can apply，Can use，Irish residents are eligible under XPlace’s international card program and can apply after completing KYC verification.

Updated: Sep 15, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card / Driver's license

Review time / regional limits

Automatic verification can be completed within minutes; abnormal documents or manual review is recorded with a 7-day upper limit.

KYC provider

Sumsub

Updated

Sep 17, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 5, 2026

Wallet payments

Alipay

Supported

Aug 5, 2026

Wallet payments

Apple Pay

Supported

Aug 5, 2026

Cash services

ATM withdrawal

Supported

Aug 5, 2026

AI tools

ChatGPT

Supported

Aug 5, 2026

AI tools

Claude

Supported

Aug 5, 2026

Wallet payments

Google Pay

Supported

Aug 5, 2026

AI tools

Midjourney

Supported

Aug 5, 2026

In-person payments

Offline POS

Supported

Aug 5, 2026

Online shopping

Online shopping

Supported

Aug 5, 2026

Wallet payments

PayPal

Supported

Aug 5, 2026

Subscriptions

Subscription payment

Supported

Aug 5, 2026

Wallet payments

WeChat Pay

Supported

Aug 5, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first
Ry McDonakewgoogle_play★ 5 / 5

XPlace: Crypto Credit Card Google Play review - 5 star

getting to learn it i like it huge interface but its navigatable
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Mr Marsgoogle_play★ 1 / 5

XPlace: Crypto Credit Card Google Play review - 1 star

Doesn't support ND
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Nishamudheen Tharathodigoogle_play★ 4 / 5

XPlace: Crypto Credit Card Google Play review - 4 star

very nice 👍🏻
View original
Enrich candy ugavkskchsbbrapp_store★ 1 / 5

Lost Funds

Do not trust xplace with your funds. I lost my $200 USDC deposit due to a massive bug in their Solana seeker app. The app allowed me to send funds to top up my account, but immediately locked me out in the sign in page falsely claiming I was on a new device. When I tried to type in my seed phrase, it wouldn’t accept it, saying it was incorrect. Customer support was completely useless, refusing to take accountability for their software failure and hiding behind their non-custodial terms of service to avoid issuing a reimbursement. Every day normal users are not going to trust a company that lets you deposit money into a broken system, and then abandons you when their own bug locks you out of your account. They will likely fail as a company.
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August Vahlgoogle_play★ 5 / 5

XPlace: Crypto Credit Card Google Play review - 5 star

Amazingly Amazing 💯
View original
Akhi Farjana Bestfriendgoogle_play★ 1 / 5

XPlace: Crypto Credit Card Google Play review - 1 star

no available service for Bangladesh 🥲
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Taimwetrustpilot★ 5 / 5

It's actually made living easier and…

It's actually made living easier and provide help with easier approval and payback plans😊
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Américo Jorge Gonçalves Fernantrustpilot★ 5 / 5
very good work
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blondell andrewsgoogle_play★ 5 / 5

XPlace: Crypto Credit Card Google Play review - 5 star

love
View original

Risk factors

Updated: Jul 21, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does XPlace Card require KYC?

Our record lists the XPlace Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does XPlace Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up XPlace Card with?

Our record lists XPlace Card support for: USDT, USDC, BTC, ETH, BNB, SOL, XRP, and ADA (20 in total).

Is XPlace Card a virtual or a physical card?

XPlace Card is offered as: Virtual card, Virtual + physical card, and Virtual + metal card.

Where is XPlace Card available?

Our record lists 88 countries or regions as available and 54 as restricted. Country-by-country status is in the regions section of this page.

Who issues XPlace Card?

XPlace Card is operated by XPlace on the Visa network.