Borrow against assets. Don’t sell it
Borrowing backed by your portfolio. It starts automatically when you pay, you repay on your own terms – and your assets keeps working.
No setup fee
No applications
The playbook
Borrowing isn’t selling. Your assets stays yours.
Hold the asset, borrow against it, spend the loan. The wealthiest investors have run this playbook for decades – XPlace brings it to your lifestyle.
If you sell
Your asset
Gone
Future upside
Forfeited
Custody
Handed to an exchange
If you borrow with XPlace
Your asset
Still yours
Future upside
Fully preserved
Custody
Non-custodial throughout
How it works
Four steps. Zero
paperwork
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01Deposit collateralBTC, ETH, USDT, JitoSOL or SOL into your own wallet. That balance becomes your credit line – no forms, no credit checks.
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02Switch to Credit ModeOne toggle in the app. Your card now spends borrowed funds instead of your own.
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03Pay as normalYour credit line opens automatically when you pay, at a fixed rate you saw beforehand. No approvals mid-purchase.
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04Repay on your termsPart or all, whenever you decide. No schedule, no penalty for repaying early. Your collateral frees up as you repay.
The moment
Tuesday, 8:47 p.m. The bill arrives
The old way
Open an exchange
Sell some Solana
Watch the position shrink
Wait for it to settle
The XPlace way
You pay. You borrow against your assets at a rate you already knew.
Your assets stay invested, your position stays intact
Wealthy people have been paying this way for decades. Now it’s available at any card terminal
With XPlace your dinner is settled before the coats are on.
Why it’s different
Most lenders want to hold your funds. We can’t even do that
No applications
Your collateral is your credit score.
Deposit, and you can borrow.
Deposit, and you can borrow.
No setup fee
Opening a credit line costs nothing. You pay for
what you use, not for being allowed to use it.
what you use, not for being allowed to use it.
Non-custodial collateral
Your assets stays in Kamino’s audited smart
contracts – never on XPlace’s balance sheet.
contracts – never on XPlace’s balance sheet.
Repay whenever
No schedule, no minimums, no early-repayment
penalty. The loan ends when you say it does.
penalty. The loan ends when you say it does.
CONTROL
Borrowing without handing over your assets
Your assets is never ours to hold. When you borrow, your collateral works inside Kamino’s audited smart contracts – transparent, on-chain, and yours again the moment you repay.
Kamino is audited 18+ times with zero bad debt across its history, and your loan-to-value stays visible in the app at all times, with early alerts long before any threshold. No company sits in the middle holding your money.
Instant freeze
One move to lock. One to bring it back
Live notifications
Every transaction, the moment it happens
Non-custodial throughout
Your funds live in your own wallet or in audited smart contracts – never with us
Keep the upside. Spend anyway
Your portfolio has somewhere to be.
Your money does too.
Your money does too.
FAQ
Questions worth asking
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Where can I use the card?Anywhere Visa is accepted – in stores, online, and abroad. Add your virtual card to Apple Pay or Google Pay to pay by phone, or use your physical card at the terminal.
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What’s the interest rate?Fixed, and shown in the app before you borrow – no teaser rates, no repricing mid-loan
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What happens if my collateral drops in value?Loan-to-value limits are enforced by Kamino’s lending logic. You’ll get alerts well before any liquidation threshold, with time to repay, top up, or reduce the borrow. If a position crosses the threshold, collateral can be liquidated – we’d rather tell you that here than in fine print
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Can I repay early?Any time, in any amount, with no penalty