Borrow against crypto. Don’t sell it
A credit line backed by your crypto. It opens automatically when you pay, and you repay on your own terms — while your crypto keeps working
No setup fee
No applications
Credit Mode
The playbook
Borrowing isn’t selling. Your crypto stays yours.
Selling your crypto to spend it means giving up your position — and everything that comes with that decision. Borrowing against it means you don’t have to. The wealthiest investors have run this playbook for decades: hold the asset, borrow against it, spend the loan.
XPlace makes it work at your terminal, not just theirs.
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. A credit line opens against your crypto 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 the line exists.
Deposit, and the line exists.
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 crypto 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
The lender that never holds your funds
Your crypto 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.
AKamino 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. Ever.
Instant freeze
One move to lock. One to bring it back
Live notifications
Every transaction, the second it settles
Non-custodial throughout
Your funds live in your own wallet or in audited smart contracts — never with us
FAQ
Questions worth asking
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Where can I use the card?Bitcoin, Ethereum, USDT, JitoSOL or Solana. The same crypto can keep earning yield while it backs your line, at up to 80% loan-to-value depending on the asset.
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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