Essential
- Card material
- Virtual only
- ATM free
- Not supported
- Issuance fee
- Included in annual plan
- Requirements
- Annual plan purchase
- $5 instant free credit
- 290 XTraveler Points
- Standard support
- Unlimited cards per user
DeFi maxiXHYPE (FZCO) through partnerships with fully licensed Visa/Mastercard issuersboth● Live
XHYPE XKARD V2
Virtual prepaid Visa/Mastercard converting USDT from TRC20/BEP20 for spending with minimal KYC.
The XHYPE XKARD V2 is a virtual prepaid card designed for users who prioritize financial privacy and sovereignty, enabling them to load USDT and spend it anywhere Visa/Mastercard is accepted. This card is positioned as part of XHYPE's broader "zero-data e-commerce" ecosystem, targeting users with limited banking access.
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Best for
Privacy-focused users spending USDT with high annual limits up to $100,000.
Skip if
You need low fees; total costs can exceed 8% with top-up/FX fees.
Network
both
Custody
custodial
KYC
limited
Max cashback
0.00%
Min monthly fee
$9
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- High annual limits up to $100,000.
- Global Visa-network and Mastercard-network acceptance.
- Instant USDT to USD conversion.
- Supports Apple Pay and Google Pay.
Watch outs
- Annual fees of $108-$588 per card.
- Total costs can reach 8-10%.
- Supports only USDT on BEP20/TRC20.
- High annual fees from $108 to $588 per virtual card.
- Supports only USDT on TRC20 and BEP20 networks.
Basic information
The XHYPE Xkard v2 is a virtual prepaid card that converts USDT to USD for spending via Visa and Mastercard networks. It targets privacy-focused users with minimal verification requirements and offers three annual plan tiers (Essential, Premium, Whale). Users load USDT (TRC20 or BEP20) and can pay at merchants worldwide through mobile wallets like Apple Pay and Google Pay. It features high reload limits up to $100,000 but comes with significant fees, including annual plans ($108-$588), top-up commissions (2.3%-4.5%), and FX fees (~4%).
Fees
XHYPE uses a tiered annual plan model combined with top-up and network fees.
- Annual Plan Fee: $108/year (Essential), $228/year (Premium), $588/year (Whale)
- Top-Up Commission: 4.5% (Essential), 3.5% (Premium), 2.3% (Whale)
- Currency Conversion: Standard Visa/Mastercard FX fees (~4%) apply for non-USD transactions.
- Purchase Transactions: No direct service fee from XHYPE.
- Maintenance/Inactivity: None.
Spending & ATM limits
- Notes
- Annual top-up limits vary by tier. If you reach your annual top-up limit on a given card, you can either wait 12 months for the counter to reset or purchase additional cards; there is effectively no cap on the number of cards per user.
- Atm Daily
- Not supported
- Atm Monthly
- Not supported
- Daily Spending
- No separate daily cap stated
- Per Transaction
- $30,000 maximum
Features
- Virtual prepaid card available on both Visa and Mastercard networks.
- Three tier options (Essential, Premium, Whale) with varying benefits and limits.
- Annual reload limits up to $100,000 (Whale tier).
- Instant USDT to USD conversion for immediate spending.
- Compatible with Apple Pay and Google Pay.
- Unlimited cards per user, each with its own annual plan and limit.
- No ATM withdrawal capability.
Rewards
* **Cashback:** None. * **Instant Free Credit:** $5 (Essential), $10 (Premium), or $40 (Whale) available immediately after registration. * **Referral Program:** Earn 15% of referees' reload fees for life, paid in USDT. * **XTraveler Points:** Loyalty points awarded based on plan (290 for Essential, 690 for Premium, 2490 for Whale).
Availability
Available in 189 countries globally wherever Visa/Mastercard operates. Restricted in 2 countries (Iran, North Korea - sanctioned countries). Successful usage reported in Latin America (including Venezuela and Cuba), USA, and Europe.
Top-up & funding
- USDT (TRC20)
- USDT (BEP20)
Instant
Security & custody
- 2-Factor Authentication (2FA) for account logins
- 3DS transaction verification for online purchases
- 24/7 fraud and security monitoring
- Chain analysis capability with potential blocks for flagged addresses
- Deposit screening to prevent non-compliant fund flows
Risk note. If the provider or issuer disappears, users lose access to remaining funds.
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported
Card tiers
Premium
- Card material
- Virtual only
- ATM free
- Not supported
- Issuance fee
- Included in annual plan
- Requirements
- Annual plan purchase
- $10 instant free credit
- 690 XTraveler Points
- Priority support
- Unlimited cards per user
Whale
- Card material
- Virtual only
- ATM free
- Not supported
- Issuance fee
- Included in annual plan
- Requirements
- Annual plan purchase
- $40 instant free credit
- 2490 XTraveler Points
- Exclusive support
- Unlimited cards per user
- Pre-v2 users receive lifetime Whale tier upgrade
What users say
No public user ratings available yet. User feedback highlights simplicity, privacy features, high annual limits, and functionality in regions with restrictive banking as positives.
Risks & limitations
Risks
- CounterpartyCustodial model means users lose access to remaining funds if provider or issuer disappears
- RegulatoryAML policy allows XHYPE to ban users at their discretion, which may affect availability based on risk assessment
- RegulatoryFunds from mixers, tumblers, and similar sources may be rejected; deposits screened via AML systems and chain analysis tools
- MarketPotential for account restrictions based on XHYPE's discretion and AML screening despite 'no KYC' marketing
Limitations
- majorAnnual plan fees: $108 / $228 / $588 per year (Essential/Premium/Whale)
- moderateTop-up fees range from 2.3% to 4.5% based on tier
- majorAdditional ~4% Visa/Mastercard FX fees apply for non-USD transactions
- majorTotal effective cost can reach 8-10% for cross-currency spending
- moderateOnly USDT cryptocurrency supported on BEP20 and TRC20 networks
- moderate100% virtual card only with no ATM withdrawal capability
- moderateDiscrepancy between 'zero KYC' marketing and the actual AML policy - KYC can be triggered despite marketing claims
- minorERC20 network support is not available
- minorPhysical cards not available despite older marketing mentions
Roadmap
Recently shipped
- XKARD V2 launched April 21, 2025
- Removal of NFT requirements from previous versions
Best suited for
Privacy-focused individuals who prioritize financial sovereignty, residents of regions with limited banking access, cryptocurrency holders who want to spend USDT without traditional banking, frequent travelers needing reliable cross-border payments, and high-volume spenders who can justify annual plan fees.
Our verdict
The XHYPE XKARD V2 represents a significant evolution in privacy-focused crypto cards, offering a streamlined method to convert USDT to worldwide spending power with minimal personal information requirements. The card's three-tier structure provides flexibility based on user needs, with progressively better terms for higher tiers. The primary value proposition centers on privacy and global acceptance without traditional banking restrictions, making it particularly valuable for users in regions with limited financial infrastructure or restrictive banking policies.
Ready to apply for the XHYPE XKARD V2?
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