Basic
$0- Cashback
- 0.5% USDC
- Card material
- Standard plastic
- FX free limit
- Unlimited (0% FX fee)
- ATM free
- Not supported
- Monthly limit
- $25,000
Rewards hunterThird National (affiliate of Signify Holdings, Inc.)visa● Live
XPlace Card
Non-custodial Visa credit card for borrowing against crypto collateral on the Solana blockchain.
XPlace Card is a non-custodial crypto-backed credit card that allows users to spend their digital assets without triggering taxable events. It functions as a credit card on the Solana network, enabling users to borrow against their crypto holdings at 0% APR while continuing to earn DeFi yields on deposited assets.
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Best for
DeFi users wanting to spend crypto without selling and earning up to 16% APY.
Skip if
You need ATM withdrawals or want to use assets outside the Solana ecosystem.
Network
visa
Custody
hybrid
KYC
full
Max cashback
2%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- Non-custodial design preserves control of private keys.
- Earns DeFi yields up to 16% APY on collateral.
- 0% foreign transaction fees across all tiers.
- Up to $1M monthly spending limit for Platinum.
Watch outs
- Limited to Solana blockchain assets only.
- High annual fees for premium tiers ($1K-$5K).
- 2.5% origination fee on first credit line use.
- Earns DeFi yields (up to 16% APY) on collateral while borrowing.
- Premium tiers have high annual fees, up to $5,000 for Platinum.
- Limited to Solana-based assets, with a 2.5% credit origination fee.
Basic information
XPlace Card is a non-custodial, Visa-network secured credit card launched in late 2025. It allows users to borrow against their crypto holdings on the Solana network at 0% APR, avoiding taxable events while continuing to earn DeFi yields (up to 16% APY) on collateral. The card offers real-time USDC cashback (0.5-2%), has zero foreign transaction fees, and is available in over 160 countries. Users maintain control of their private keys through a self-custody smart contract architecture.
Fees
XPlace has no purchase or foreign transaction fees, but includes annual membership fees for higher tiers and a one-time origination fee for using the credit line.
Annual Membership Fees
- Basic: $0
- Silver: $200
- Gold: $1,000
- Platinum: $5,000
Transaction & Platform Fees
- Purchase Fees: $0
- Foreign Transaction Fee: 0%
- ATM Withdrawal: Not supported
- Borrow Mode Origination: 2.5% (one-time)
- Token Swaps: 1% (can be offset by trading cashback)
- Crypto Deposits/Withdrawals: $0 (plus Solana gas fees)
Spending & ATM limits
- Notes
- Limits are expected to increase in 2026. High-stability assets (USDC, USDT): Up to 70% LTV. Major cryptocurrencies (SOL, BTC, ETH): 50-60% LTV. Volatile assets (meme coins): 30-40% LTV.
- Atm Daily
- Not supported
- Atm Monthly
- Not supported
- Credit Line Max
- 30-70% of deposited crypto value depending on asset volatility
- Per Transaction
- $5,000 - $50,000 depending on tier
- Monthly Spending
- $25,000 - $1,000,000 depending on tier
Features
- Non-Custodial Borrowing: Spend against crypto collateral on Solana without selling assets.
- 0% APR: No interest charged on purchases made using the credit line.
- DeFi Yield: Continue earning yields (up to 16% APY) on deposited collateral.
- Tiered Membership: Four tiers (Basic, Silver, Gold, Platinum) with varying fees, limits, and benefits.
- High Spending Limits: Monthly limits range from $25,000 (Basic) to $1,000,000 (Platinum).
- Travel Benefits: Gold and Platinum tiers include airport lounge access, Fast Track passes, and travel discounts.
- Instant Virtual Card: Virtual card is issued instantly upon KYC approval for use with mobile wallets.
- Supported Assets: Supports 30+ Solana-based assets including SOL, wBTC, wETH, and stablecoins.
Rewards
XPlace offers real-time USDC cashback on credit purchases, a referral program, and an XP loyalty program for a future token airdrop. **Cashback Structure** Cashback is paid in USDC and applies only to 'Borrow Mode' (credit) spending. Rates are fixed per tier: * **Basic:** 0.5% * **Silver:** 1.0% * **Gold:** 1.5% * **Platinum:** 2.0% **Referral Program** Users earn a percentage of the rewards generated by their referred users, with rates from 15% (Basic) to 25% (Platinum). **XP Loyalty Program** Users earn XP points on spending, trading, deposits, and referrals. XP points will determine a user's proportional allocation of the native token at the TGE planned for Q4 2026.
Availability
Available in 173 countries. Restricted in 23 countries including United States, Russia, Cuba, Iran, North Korea, Syria, Belarus, Afghanistan, parts of Ukraine (Crimea, Donetsk, Luhansk), Venezuela, and other OFAC-sanctioned territories. Key regions missing: United States, Hong Kong, Mexico.
Top-up & funding
- Crypto deposit as collateral via self-custody smart contract
Instant via XPlace app (connect wallet, transfer assets)
Security & custody
- Non-Custodial Architecture - users maintain private keys through the app
- Smart Contract Security - Solana-based contracts manage collateral and credit lines
- Transaction Monitoring - Rain platform blocks prohibited merchant categories
- KYC/AML - Standard identity verification and ongoing transaction monitoring
- Card Controls - Freeze/unfreeze, PIN changes, and mode switching via app
Risk note. While the underlying crypto collateral remains in user-controlled smart contracts, the USDC used for transaction settlement is held custodially by the card issuer.
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported
Card tiers
Silver
$200- Cashback
- 1% USDC
- Card material
- Standard plastic
- FX free limit
- Unlimited (0% FX fee)
- ATM free
- Not supported
- Monthly limit
- $50,000
Gold
$1,000- Cashback
- 1.5% USDC
- Card material
- Premium plastic
- FX free limit
- Unlimited (0% FX fee)
- ATM free
- Not supported
- Monthly limit
- $250,000
- 4 free airport lounge visits per year
- 4 free airport Fast Track passes per year
- 5% discount on hotels and flights
Platinum
$5,000- Cashback
- 2% USDC
- Card material
- Mirror metal
- FX free limit
- Unlimited (0% FX fee)
- ATM free
- Not supported
- Monthly limit
- $1,000,000
- 12 free airport lounge visits per year
- 12 free airport Fast Track passes per year
- 10% discount on hotels and flights
- 24/7 Platinum Concierge service
- Access to 1,400+ lounges globally
- Priority dispute handling
Loan & credit features
Borrow Mode - credit line against crypto collateral
Users can borrow 30-70% of deposited crypto value depending on asset volatility. Credit lines adjust dynamically with market prices, and liquidation protocols protect against undercollateralization. 2.5% one-time origination fee when first using credit line.
What users say
App Store
5.0/5.0 (1 ratings) - not counted
Google Play
3.5/5.0 (35 ratings)
Risks & limitations
Risks
- RegulatoryRestricted in several countries including Russia, Belarus, and parts of Ukraine
- MarketCredit lines adjust dynamically with market prices, and liquidation protocols protect against undercollateralization
- CounterpartyWhen spending, converted USDC is held by the card issuer (Third National), creating counterparty risk for spent funds
Limitations
- majorATM withdrawals not supported
- moderateLimited to Solana blockchain assets only
- moderateHigh annual fees for premium tiers ($1K-$5K)
- moderate2.5% origination fee when first using credit line
- moderateCash advances not supported
- minorCashback only applies in Borrow Mode, not Debit Mode
Roadmap
Recently shipped
- Token Generation Event (TGE) expected Q4 2026 with 40% of total token supply allocated to XP holders
Planned
- Increase spending limits in 2026
- Expand supported cryptocurrencies
- Potential additional blockchain support beyond Solana
Best suited for
Crypto holders who want to spend digital assets without triggering tax events, DeFi users seeking to maintain yield generation while accessing credit, international travelers needing zero foreign transaction fees, and high-net-worth individuals who can justify premium tier fees for exclusive perks and high limits.
Our verdict
XPlace Card stands out as the first non-custodial crypto credit card, enabling users to spend digital assets without triggering taxable events while continuing to earn DeFi yields. The platform's 0% APR, zero foreign transaction fees, and real-time USDC cashback create compelling value for crypto holders, though the Solana-only limitation and high premium tier fees may restrict its appeal. The card is best suited for active crypto users who prioritize maintaining custody of their assets while accessing traditional payment infrastructure.
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