XPlace Card
by XPlace
- Monthly fee
- Free
- Card fee
- Not listed
- Top-up fee
- 1%
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
XPlace pitches itself as Solana's first true credit card, letting you spend against collateral rather than sell crypto. Its credit and deposit modes and token rewards suit DeFi users who accept smart contract risk.
What we like
- +Credit mode allows spending without selling crypto
- +Rewards paid in BONK, PYTH and JUP tokens
- +XP system linked to a Q4 2026 token airdrop
- +Fairly competitive 1% FX fee on international purchases
- +Perks such as airport lounge access
Watch out for
- −Smart contracts have not been publicly audited
- −Credit interest rates not published
- −Based in Dubai, UAE, which raises regulatory questions
- −Annual membership fees on premium tiers
- −DeFi protocol risk and no FDIC insurance
8.6/10
Editor score
Excellent
6.7/10
User rating
Based on 34 sources
Lv 3
KYC Level
ID verification
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- USDC
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- —
- ATM Fee
- —
- FX Fee
- —
- Top-up Fee
- 1%
- Decline Fee
- —
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Mastercard
- Apple Pay
- Google Pay
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
6.7/10
Sourced from
Feedback from the Solana community is positive about onboarding, Apple Pay and Google Pay support, and the chance to farm the upcoming xpSOL airdrop. Reviewers also like the yield of up to 20% APY, borrowing at 3.49% APR against collateral, and the mix of USDC and XP cashback. Concerns are serious, though. A 1% fee on every purchase eats into rewards for light spenders, and the custody story is contradictory, with self-custody claimed on Android and institutional-grade custody stated on iOS. Some verified users report withdrawals locked with no reply from support. The terms and privacy policy cannot be found on the open web, and the Google Play data safety form claims no data is collected. Whether a 20% APY can last is also an open question, given past yield-driven collapses.
Category Breakdown
Features
Supported Cryptocurrencies
Frequently asked questions
Does the XPlace Card require KYC?
Yes. XPlace asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the XPlace Card charge?
The card has a monthly fee of free, an issuance fee of not disclosed, a top-up fee of 1%. See the fee table above for ATM and decline fees.
Does the XPlace Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the XPlace Card?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the XPlace Card support?
USDC, USDT.
Last updated August 19, 2026, verified August 6, 2026.