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
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
Real-time market conversion for everything else
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
Real-time market conversion for everything else
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
Real-time market conversion for everything else
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
Real-time market conversion for everything else
No hidden spread, no FX games
Cash Mode
Credit Mode
Spend your stablecoin balance directly
Real-time market conversion for everything else
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
-
Silver
Annual fee
$99/y
Monthly limit
$20,000
Credit Mode cashback
1%
Concierge
Standard
Airport lounges
1 free visits/year
Fast Track
-
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
Platinum
Annual fee
$999/y
Monthly limit
$750,000
Credit Mode cashback
2%
Concierge
VIP Priority
Airport lounges
Unlimited
Fast Track
5 free/year
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.
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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.
© 2026 XPlace. All rights reserved.
© 2026 XPlace. All rights reserved.
© 2026 XPlace. All rights reserved.