Spend without
selling

Build wealth like the 1%
Borrow against your crypto. Spend via Visa without triggering taxable events
Get your card
Trustpilot
Download app
The Playbook

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

No applications. No manual borrowing. No origination fee.
Physical metal card available on request.
  • Sign up in the app
    01
    Download, register, verify in minutes. Your virtual card activates instantly.
  • Deposit your crypto
    02
    SOL, BTC, ETH, USDT, or JitoSOL. Always non-custodial. Your keys throughout.
  • Tap on your terms
    03
    Cash Mode for direct spending. Credit Mode borrows against your stack — credit opens automatically the moment you tap.
THE CARD

One card. Two modes.
Switch any time

  • 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
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.
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
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

Pick how much
you want to unlock

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
Get your card
PLATINUM

Bespoke services for people who already know what they want

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

A person picks up.
Always.

Real support, 24/7. Across every tier.
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.
FAQ

Questions
worth asking

  • Is borrowing against my crypto really not taxed?
    In most jurisdictions (UK, US, EU), borrowing is not a taxable event. Selling is. We're not your tax advisor — but the principle is the same one the wealthiest operators have used legally for decades.
  • What happens if my collateral drops in value?
    Kamino's lending logic enforces LTV ratios. You get notifications well before liquidation thresholds. You can repay, add collateral, or reduce your borrow at any time.
  • Is XPlace custodial?
    No. Your funds sit in your self-custodial wallet. Yield assets are deployed into audited DeFi protocols (Kamino Finance), where you remain the on-chain owner. XPlace cannot freeze, seize, or move your funds.
  • What chains and tokens are supported?
    XPlace runs on Solana. Supported assets: BTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT.
  • How fast do I get the card?
    Virtual card: minutes after sign-up. Physical metal card: 7–14 business days depending on region.
  • Where can I use it?
    Anywhere Visa is accepted — online, offline, ATMs. Apple Pay and Google Pay native.
  • How does cashback work?
    Real USDC, paid to your wallet at settlement. Up to 4% across categories and tiers. Not points, not internal credits — actual on-chain dollars.
  • Is there real human support?
    Yes. Real people, 24/7, across every tier. A person picks up.
  • What countries are supported?
    Currently focused on UK, EU, UAE, and select crypto-friendly markets. Full list in our supported regions →
Spend your crypto.
Don't sell it
Join the members who figured it out.
Get your card