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How it works

Spend.
Process. Paid

  • 01
    Spend anywhere Visa works
    Online, in store, abroad. Cash Mode or Credit Mode
  • 02
    Transaction confirmed
    Once processed by the merchant, your cashback will appear directly in the app
  • 03
    USDC arrives in your wallet
    Claim in one click. No minimums, no extra requirements
The rate

The rate, without the fine print

The higher your Membership level — the more you get back.
Basic
Credit Mode cashback
1%
Cash Mode cashback
0.5%
Silver
Credit Mode cashback
2%
Cash Mode cashback
1%
Gold
Credit Mode cashback
3%
Cash Mode cashback
1,5%
Platinum
Credit Mode cashback
4%
Cash Mode cashback
2%
 Up to 4%
Get your card
Cashback in USDC, not locked rewards

Points are a promise. USDC is money

Points lose value overnight, expire quietly, and sit in someone else’s ledger until you spend them their way.

USDC is dollars in your own wallet — the way crypto cashback should work: spend it anywhere, send it to anyone, or move it into crypto that earns. The difference between a coupon and a payment.

Part of the system

Cashback isn’t the product. It’s part of the system

Earned on card spending
Earned on card spending — up to 4%, with the rate growing as you move up your tier. That is your ongoing crypto cashback bonus for using XPlace instead of a traditional rewards card.
Spendable the second it lands
Your USDC is usable the moment it arrives — spend it, send it, or convert it into assets that earn. No waiting, no delayed crypto cashback that unlocks months later.
Builds toward more
Convert your cashback into supported crypto, and it can join your collateral — adding to what backs your borrowing position. Small crypto cashback returns, compounding into a larger on‑chain position over time.
Get paid to spend
Real dollars, on-chain, on your balance.
Get your card
Faq

Questions
worth asking

  • Do both modes earn cashback?
    Yes, both modes earn cashback. Depending on your Membership level, you earn up to 4% in Borrowing Mode and up to 2% in Cash Mode (on Platinum).
  • Why USDC and not your own token?
    Because cashback should be money, not marketing. USDC is dollar-pegged and spendable anywhere — including straight back through your card.

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