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Where You’ll Use It

Built for the way you actually spend

Daily
Coffee, groceries, transport. Settles instantly, anywhere Visa works.
Travel
Hotels, flights, dinners abroad. Real exchange rates, 0% FX on Platinum. No conversion games.
Large purchases
A car, a watch, a deposit. Borrow against your crypto instead of selling it — and keep the upside.
Online
Subscriptions, marketplaces, anywhere a card field appears. Virtual card ready minutes after sign-up.
Daily
Coffee, groceries, transport. Settles instantly, anywhere Visa works.
Travel
Hotels, flights, dinners abroad. Real exchange rates, 0% FX on Platinum. No conversion games.
Large purchases
A car, a watch, a deposit. Borrow against your crypto instead of selling it — and keep the upside.
Online
Subscriptions, marketplaces, anywhere a card field appears. Virtual card ready minutes after sign-up.
THE HIDDEN STEP

Most crypto cards sell your crypto so you can spend

It’s the part nobody points to. To fund a payment, the typical crypto card converts your crypto to cash at the moment you pay — and that conversion is a sale. It locks in a price whether or not you wanted to exit. And if the asset rises next week, you no longer hold it.

It’s the reason the “spend” feature is the one people try once and quietly stop using.

With a crypto Visa card like XPlace you don’t have to sell to spend.

In Credit Mode, you borrow against your crypto instead of selling it — your investments stay invested, with no forced sale to cover a payment.

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.
  • 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 
Why the XPlace Card Wins

Most crypto cards make you sell. This one doesn’t

Bank card
Pay from your cash balance
Cash leaves your account
Bank holds your funds
2–3% FX markup
Phone queue support
Typical crypto card
Usually sells your crypto to
cover the charge
Miss future upside
Custody varies by provider
1–3% FX markup
Ticket-based or chatbot support
XPlace
Borrow against your crypto,
or spend USDC
Keep exposure to upside
Non-custodial throughout
0% FX (Platinum)
Human support 24/7, every tier
Compatibility

In your phone in minutes

Add your virtual card to Apple Pay or Google Pay the moment it’s issued — no waiting on plastic.
  • Apple Pay
    Pay on iPhone and Apple Watch.
  • Google Pay
    Pay on any Android device.
  • Physical card
    Heavier than it needs to be. Coming soon in Q3
CONTROL

Freeze it, watch it, control it — from the app

Lock and unlock the card in one move, and see every transaction the moment it lands.

And because XPlace is non-custodial, your funds are never ours to hold: in Cash Mode they stay in your own wallet, and when you borrow, your collateral works inside Kamino’s audited smart contracts — never with us.

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
Keep the upside. Spend anyway
Your crypto has somewhere to be. Your money does too.
Get your card
FAQ

Questions worth asking

  • Where can I use the card?
    Anywhere Visa is accepted — in store and online. Apple Pay and Google Pay work natively. The card does not work in restricted countries; you can view the list via the link.
  • How fast do I get it?
    Virtual card: minutes after sign-up. Physical cards will be available to order in Q3.
  • What’s the difference between Cash and Credit Mode?
    Cash Mode spends the USDC balance you’ve topped up onto the card. Credit Mode borrows against your BTC, ETH, USDT, JitoSOL or SOL when you pay, so your crypto stays invested. Switch any time.
  • What are the spending limits?
    From $2K/month on Basic up to $750K/month on Platinum. Per-transaction and daily limits are shown in the app.
  • How does cashback work?
    Real USDC on card spending, claimable directly to your wallet — up to 4% by membership tier. Monthly limits apply.
  • Is there an FX fee?
    0% on Platinum. Other tiers convert at the real market rate, shown before you pay.
  • Can I freeze the card?
    Your card can be frozen or blocked instantly from the app.

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