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XXPlace Card logo

XPlace Card

Updated: Aug 5, 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
Visa
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
USDT / USDC / BTC / ETH / BNB / SOL / XRP / ADA / DOGE / AVAX / DOT / LINK / MATIC / ATOM / LTC / BCH / DAI / XLM / UNI / USD
Last updated
Aug 5, 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.

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 China applicability

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

China applicability

The source text is retained below.

Original

1、中国大陆：当前不可申请，境外已发行卡可在接受国际Visa的商户使用，也可按外卡规则绑定微信支付或支付宝。

2、香港：居民可提交申请并完成完整KYC；获批后可使用虚拟卡及符合等级的实体卡进行线上、线下和ATM交易。

3、澳门：当前不在开放申请地区，不能按正常流程申请；境外已持有的XPlace Visa可在当地Visa受理商户使用。

4、台湾：居民可提交申请并完成身份及地址验证；获批后可进行线上购物、线下刷卡及Apple Pay或Google Pay支付。

Updated: Aug 5, 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

Aug 5, 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

User reviews

Showing 10 approved reviews matched to this card

Newest first
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
View original
blondell andrewsgoogle_play★ 5 / 5

XPlace: Crypto Credit Card Google Play review - 5 star

love
View original
CHOW TUNG SHINGtrustpilot★ 1 / 5
Money money
Official reply
Hi Chow, thank you for leaving a review. We are truly sorry to see that you had a negative experience. Since your message is very brief, we aren't quite sure what went wrong, but we genuinely want to understand what happened. Could you please reach out to us directly via our in-app support chat? Our team is ready to investigate this right away and help you resolve it.
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Edithtrustpilot★ 5 / 5

What I personally like is not having to…

What I personally like is not having to move funds between different exchanges and apps anymore. Everything being in one place just makes daily use easier.
View original
Denis Ferreira dos Santostrustpilot★ 5 / 5

I really enjoyed the crypto user…

I really enjoyed the crypto user experience; the app has the best layout and is very well organized that I've ever tried. I recommend it to everyone!
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Mattrustpilot★ 5 / 5

It's easy to understand.

It's easy to understand. The platform is super simple to work your way through. It is full of information to help me with any questions or any procedures I'm doing. If I'm stuck then the chat staff are always there to help me
View original
Willem Amar Djellalitrustpilot★ 1 / 5

⭐☆☆☆☆

⭐☆☆☆☆ Je déconseille fortement XPlace. J’ai effectué un transfert sortant en Solana (SOL) d’un montant de 95 $ + 5 $ de frais. La transaction est bien visible sur la blockchain et le hash de transaction existe, pourtant les fonds ne sont jamais arrivés. En analysant le hash, l’adresse de destination affichée ne correspond pas à celle que j’avais renseignée. Plus inquiétant encore, les fonds ne sont même pas revenus sur l’adresse de départ de XPlace. À ce jour, mon argent a tout simplement disparu. Le plus choquant reste le support. Plus précisément, M. Constantine m’a indiqué, avant même d’examiner la transaction, qu’ils ne pouvaient rien faire. Aucune vérification de la transaction sortante, de son statut ou des informations disponibles sur leur propre plateforme ne semble avoir été effectuée. Après que je lui ai expliqué le problème en détail et fourni les éléments nécessaires, je n’ai tout simplement plus obtenu de réponse. J’ai fourni toutes les preuves à ma disposition (hash de transaction, captures d’écran et explications), mais aucune solution concrète ne m’a été proposée. Je me sens aujourd’hui lésé et j’ai le sentiment que mon problème n’a pas été pris au sérieux. Je déconseille vivement de déposer le moindre centime sur cette plateforme tant que ce type de situation n’est pas traité avec sérieux. Mon expérience a été extrêmement décevante et je ne leur confierai plus jamais mon argent. Soyez très prudents avant d’utiliser leurs services.
Official reply
Having $95 go missing is a frustrating experience, and we’re sorry you’ve had to chase it. Our team picked this up the same day and has stayed with you since. Here is what the transaction shows: the funds left your account and arrived at the address the withdrawal was signed for, which is why it appears as completed on chain. XPlace doesn’t alter destination addresses. The platform is non-custodial, so transfers are signed on your own device and settle exactly where the signed instruction points, and once a Solana transaction is final it can’t be reversed by anyone, ourselves included. If you’d like to go through the transaction with us step by step, or work out where that address came from, we’re ready to do that with you.
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Risk factors

Updated: Jul 21, 2026

No risk factors are available