Excellent

4.3 out of 5

Excellent

4.3 out of 5

Spend without selling

build wealth like 1%

Spend without selling

build wealth like 1%

Borrow against your crypto. Spend via Visa without triggering taxable events

Get your card

Get your card

Get your card

Excellent

4.3 out of 5

Download app

Download app

Download app

THE PLAYBOOK

Borrowing isn't selling. The tax code knows
the difference

Borrowing isn't selling.
The tax code knows
the difference

Sell crypto to spend, and you trigger capital gains tax — UK, US, most of the EU. Borrow against it, and you don't. The wealthiest operators have used this distinction for decades.

XPlace makes it work at your terminal, not just theirs.

Spend with any crypto card

Tax

Capital gains event

Your asset

Gone

Future upside

Forfeited

Custody

Handed to an exchange

Earning

Stops the moment it's sold

Spend with XPlace

Tax

No taxable event

Your asset

Still yours

Future upside

Fully preserved

Custody

Non-custodial throughout

Earning

Earns while backing your spend

How It Works

Three steps.
No paperwork

Three steps.
No paperwork

No applications. No manual borrowing. No origination fee.

Physical metal card available on request.

01

Sign up in the app

Download, register, verify in minutes. Your virtual card activates instantly.

02

Deposit your crypto

03

Tap on your terms

01

Sign up in the app

Download, register, verify in minutes. Your virtual card activates instantly.

02

Deposit your crypto

03

Tap on your terms

01

Sign up in the app

Download, register, verify in minutes. Your virtual card activates instantly.

02

Deposit your crypto

03

Tap on your terms

No applications. No manual borrowing. No origination fee.

Physical metal card available on request.

Sign up in the app

Download, register, verify in minutes. Your virtual card activates instantly.

Sign up in the app

Download, register, verify in minutes. Your virtual card activates instantly.

Sign up in the app

Download, register, verify in minutes. Your virtual card activates instantly.

Deposit your crypto

SOL, BTC, ETH, USDT, or JitoSOL. Always non-custodial. Your keys throughout.

Deposit your crypto

SOL, BTC, ETH, USDT, or JitoSOL. Always non-custodial. Your keys throughout.

Deposit your crypto

SOL, BTC, ETH, USDT, or JitoSOL. Always non-custodial. Your keys throughout.

Tap on your terms

Cash Mode for direct spending. Credit Mode borrows against your stack — credit opens automatically the moment you tap.

Tap on your terms

Cash Mode for direct spending. Credit Mode borrows against your stack — credit opens automatically the moment you tap.

Tap on your terms

Cash Mode for direct spending. Credit Mode borrows against your stack — credit opens automatically the moment you tap.

THE CARD

THE CARD

One card. Two modes.
Switch any time

One card. Two modes. Switch any time

Cash Mode

Credit Mode

Spend your stablecoin balance directly

No hidden spread, no FX games

Borrow against your BTC, ETH,   or SOL at the moment you tap

Your assets stay invested

Your position stays whole

Cash Mode

Credit Mode

Spend your stablecoin balance directly

No hidden spread, no FX games

Borrow against your BTC, ETH,   or SOL at the moment you tap

Your assets stay invested

Your position stays whole

Cash Mode

Credit Mode

Spend your stablecoin balance directly

No hidden spread, no FX games

Borrow against your BTC, ETH,   or SOL at the moment you tap

Your assets stay invested

Your position stays whole

Cash Mode

Credit Mode

Spend your stablecoin balance directly

No hidden spread, no FX games

Cash Mode

Credit Mode

Spend your stablecoin balance directly

No hidden spread, no FX games

Visa cards are accepted in 160+ countries · Up to $750K/month · 0% FX on Platinum · Up to 4% cashback in USDC

Visa cards are accepted in 160+ countries · Up to $750K/month · 0% FX on Platinum · Up to 4% cashback in USDC

Earn while you spend

Your assets earn through Kamino Finance — $2.8B TVL, 18+ audits, zero bad debt across its history.

Your main holdings deploy into Kamino Finance — $2.8B TVL, 18+ audits, zero bad debt across its history.

Your main holdings deploy into Kamino Finance — $2.8B TVL, 18+ audits, zero bad debt across its history.

Your main holdings deploy into Kamino Finance — $2.8B TVL, 18+ audits, zero bad debt across its history.

Yield compounds

No lock-ups

Withdraw the moment you decide

Yield is variable and not guaranteed. Withdrawals depend on protocol liquidity and may be temporarily limited during market stress. Past performance does not predict future results.

Using assets as collateral exposes you to liquidation risk. You may lose your collateral if the market moves against your position. Read full risk disclosure

Yield is variable and not guaranteed. Withdrawals depend on protocol liquidity and may be temporarily limited during market stress. Past performance does not predict future results.

Using assets as collateral exposes you to liquidation risk. You may lose your collateral if the market moves against your position. Read full risk disclosure

Yield is variable and not guaranteed. Withdrawals depend on protocol liquidity and may be temporarily limited during market stress. Past performance does not predict future results.

Using assets as collateral exposes you to liquidation risk. You may lose your collateral if the market moves against your position. Read full risk disclosure

Yield is variable and not guaranteed. Withdrawals depend on protocol liquidity and may be temporarily limited during market stress. Past performance does not predict future results.

Using assets as collateral exposes you to liquidation risk. You may lose your collateral if the market moves against your position. Read full risk disclosure

Vault

LTV

APY

Solana

65%

6.15%

Tether

80%

3.26%

Ethereum

70%

1.59%

Bitcoin

65%

5.43%

Jito Staked Solana

65%

4.87%

Plans

Plans

Pick how much
you want to unlock

Pick how much
you want to unlock

Free to start. Upgrade when your lifestyle catches up.

Free to start. Upgrade when your lifestyle catches up.

Basic

Annual fee

Free

Monthly limit

$2,000

Credit Mode cashback

0.5%

Concierge

-

Airport lounges

-

Fast Track

-

Get your card

Silver

Annual fee

$99/y

Monthly limit

$20,000

Credit Mode cashback

1%

Concierge

Standard

Airport lounges

1 free visits/year

Fast Track

-

Get your card

Gold

Annual fee

$249/y

Monthly limit

$200,000

Credit Mode cashback

1.5%

Concierge

Personal

Airport lounges

4 free visits/year

Fast Track

2 free/year

Get your card

Platinum

Annual fee

$999/y

Monthly limit

$750,000

Credit Mode cashback

2%

Concierge

VIP Priority

Airport lounges

Unlimited

Fast Track

5 free/year

Get your card

Get your card

Get your card

PLATINUM

PLATINUM

Bespoke services for people who already know what they want

Bespoke services for people who already know what they want

Platinum isn't a tier — it's access

Platinum isn't a tier — it's access

Bespoke travel
Flights, hotels, transfers — curated to your trip, not pulled from a list.
Restaurant access
Tables at venues that don't take public bookings
Lounge & fast-track
Unlimited 1,300+ airport lounges. Priority security. Anywhere you fly.
Private events
Invite-only dinners, launches, gatherings — when relevant to you

Bespoke travel

Flights, hotels, transfers — curated to your trip, not pulled from a list.

Restaurant access

Tables at venues that don't take public bookings

Lounge & fast-track

Unlimited 1,300+ airport lounges. Priority security. Anywhere you fly.

Private events

Invite-only dinners, launches, gatherings — when relevant to you

Bespoke travel

Flights, hotels, transfers — curated to your trip, not pulled from a list.

Restaurant access

Tables at venues that don't take public bookings

Lounge & fast-track

Unlimited 1,300+ airport lounges. Priority security. Anywhere you fly.

Private events

Invite-only dinners, launches, gatherings — when relevant to you

A person picks up.
Always.

Real support, 24/7. For every member

Not chatbots, not tickets disappearing into queues — a human who knows the product and can move fast when something matters.

YOUR KEYS. YOUR CONTROL.

Non-custodial
by design. Audited where it matter

XPlace never holds your funds. Your main assets earn yield through Kamino Finance — a non-custodial DeFi protocol with $2.8B TVL, 18+ audits, and zero bad debt across its history. Card transactions settle through Visa. Smart contracts are audited by FYEO.

Every link in the chain is either verifiable on-chain or named publicly.

XPlace never holds your funds. Your main assets earn yield through Kamino Finance — a non-custodial DeFi protocol with $2.8B TVL, 18+ audits, and zero bad debt across its history. Card transactions settle through Visa. Smart contracts are audited by FYEO.

Every link in the chain is either verifiable on-chain or named publicly.

XPlace never holds your funds. Your main assets earn yield through Kamino Finance — a non-custodial DeFi protocol with $2.8B TVL, 18+ audits, and zero bad debt across its history. Card transactions settle through Visa. Smart contracts are audited by FYEO.

Every link in the chain is either verifiable on-chain or named publicly.

XPlace never holds your funds. Your main assets earn yield through Kamino Finance — a non-custodial DeFi protocol with $2.8B TVL, 18+ audits, and zero bad debt across its history. Card transactions settle through Visa. Smart contracts are audited by FYEO.

Every link in the chain is either verifiable on-chain or named publicly.

FAQ

Questions worth asking

Is borrowing against my crypto really not taxed?

Is borrowing against my crypto really not taxed?

What happens if my collateral drops in value?

What happens if my collateral drops in value?

What happens if my collateral drops in value?

Is XPlace custodial?

Is XPlace custodial?

What chains and tokens are supported?

What chains and tokens are supported?

How fast do I get the card?

How fast do I get the card?

Where can I use it?

Where can I use it?

How does cashback work?

How does cashback work?

Is there real human support?

Is there real human support?

What countries are supported?

What countries are supported?

Build wealth.
Not taxable events

Join the members who figured it out.

Get your card

Get your card

Get your card

Stay liquid. Stay informed.

Stay liquid. Stay informed.

Stay liquid. Stay informed.

Stay liquid. Stay informed.

Stay liquid. Stay informed.

What you'll get: new supported assets, region rollouts, feature drops, product updates, and the occasional note from the team. Zero spam.

What you'll get: new supported assets, region rollouts, feature drops, product updates, and the occasional note from the team. Zero spam.

What you'll get: new supported assets, region rollouts, feature drops, product updates, and the occasional note from the team. Zero spam.