XPlace Crypto Card: Cashback, Fees, USDC, SOL And Kamino

XPlace Card Overview

XPlace Card Key features

• Instant virtual card

  You receive a virtual Visa card immediately after you choose a membership and complete identity checks and PIN setup. You can add it to Apple Pay or Google Pay.

• Crypto backed credit

  In Credit Mode, you borrow USDC against crypto deposited in Kamino on Solana instead of selling that crypto for each purchase. You pay variable borrow interest on drawn credit, with no traditional credit check or fixed repayment calendar.

• USDC cash mode

  Switch to Cash Mode in the app to spend USDC you loaded yourself. You pay no borrow interest on those purchases.

• USDC cashback

  Published Credit Mode cashback rates are 1% for Basic, 2% for Silver, 3% for Gold and 4% for Platinum, paid in USDC. Check the live app before you spend, since Cash Mode rates differ and XPlace has changed rewards.

• Kamino collateral custody

  You deposit collateral into Kamino smart contracts rather than an XPlace omnibus wallet, and XPlace says it cannot move those funds. You still face smart contract risk and can lose collateral through liquidation.

• Variable deposit yield

  You can earn variable yield on collateral in Kamino while borrowing against it. Yield depends on market demand and is not guaranteed.

• Zero purchase fee

  XPlace lists a 0% card purchase fee across all published tiers. You may still pay FX or deposit fees, plus interest if you borrow.

• Tiered annual fees

  Basic is free, while Silver costs $99 per year, Gold $249 and Platinum $999. Paid tiers have higher published spending caps and cashback rates.

• Tiered FX markup

  XPlace lists FX markups of 1% for Basic, 0.5% for Silver, 0.25% for Gold and 0% for Platinum. Its foreign spending notes also list a separate 1% Visa FX charge, so check both charges in the app.

• Paid physical cards

  Silver members and higher tiers can order a physical card with courier delivery. You can use it at terminals where mobile wallet payment is unavailable.

• In app controls

  You can freeze or permanently block the card and change its PIN in the app. You can also set daily, weekly or monthly spending limits and review transaction details.

• Loan health tracking

  You can check your loan health factor in the app to see how close you are to liquidation. If your collateral falls below Kamino's required level, you can lose collateral, and XPlace cannot stop the liquidation.

• XP loyalty points

  You can earn XP through card spending and other eligible activity, including referrals. XPlace links XP to a future token allocation, but XP is not cash and the token launch timing is unconfirmed.

XPlace Card Fees

• Purchase fee XPlace charges 0% on card purchases across all published tiers.
• Annual membership Basic costs $0, Silver $99, Gold $249 and Platinum $999 per year.
• FX markup XPlace charges Basic 1%, Silver 0.5%, Gold 0.25% and Platinum 0% on top of Visa's standard 1% FX fee in the official foreign spend notes.
• Deposit fees Third-party fee tables list bridge or deposit fees of 2% for Basic, 1.5% for Silver, 1% for Gold and 0.5% for Platinum; confirm these in the app.
• Borrow interest You pay Kamino's variable USDC borrow rate only on drawn credit, with no borrow interest on Cash Mode purchases.

XPlace Card Supported networks

• Solana

How to use XPlace Card

1. 1

   Create your account

   Download the XPlace app and create an account. Choose Basic, Silver, Gold, or Platinum after checking the live membership fees and benefits.

2. 2

   Verify your identity

   Complete KYC in the app, then set a four digit PIN. You receive your virtual card immediately after these steps.

3. 3

   Add your card

   Add the virtual card to Apple Pay or Google Pay if you want to tap at a store. You can also use the virtual card to pay online.

4. 4

   Fund your spending

   Generate a fresh deposit address in the app, never reuse an old address, and wait for confirmation after your deposit. Load USDC for Cash Mode, or deposit supported collateral into Kamino smart contracts on Solana for Credit Mode.

5. 5

   Choose your payment mode

   Select Cash Mode to spend your loaded USDC, or Credit Mode to borrow USDC against your collateral at a variable interest rate. Before using Credit Mode, check Credit Power and your health factor in the app, since Kamino can liquidate collateral if its value falls too far.

6. 6

   Make your first payment

   Set your spend limits in the Card screen before your first purchase. Tap with Apple Pay or Google Pay at a Visa merchant, or enter your virtual card details at an online checkout.

XPlace Card Demo video

XPlace Card Screenshots

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XPlace Card User Reviews

• 

  @FabianoSolana Jan 22, 2026

  Last year I tested 10+ debit cards & neobanks
  
  By far the best: XPlace
  
  - Lowest fees
  - Highest cashback
  - 16% APY on idle funds
  - Upcoming airdrop
  - Lounge access & perks
  - Non-custodial
  - Credit mode (spend without selling)
  
  Solana's AMEX for crypto

  View on X ↗
• 

  @KlaionX Aug 12, 2025

  New wild card joined my collection: XPlace Visa Platinum.
  
  I started with the free Basic membership. From what the app currently shows, you get a virtual card, Google Wallet support, a $2,000 monthly spending limit and cashback that varies by payment mode, including 0.5% cash mode and 1% credit mode.
  
  There's also a borrowing option advertised at 13.99% APY.
  
  One thing I'll be testing carefully: the app also advertises "1.5% cashback on every purchase," while the detailed benefits screen shows different rates by mode. I want to see how that works in real transactions before judging it.
  
  Anyone already using XPlace?

  View on X ↗
• 

  @VenecoInversor Aug 16, 2025

  I have spent more than 20,000 with the @xplace card last month I could only redeem 352 Cashback and from one moment to the next and without notice, $152 disappeared that were pending to be claimed. I had already earned them, they already appeared to me to claim and abruptly they decided that I could not claim them and they removed them from my reward exchange center, without prior notice. I understand that the terms may change but what I already won should have been left to me to claim.

  View on X ↗

XPlace Card Review

XPlace funding

• Founded by Artem Ponomarev founded XPlace and is its CEO, after earlier work in consumer lending that included Alvos in Mexico.

XPlace Card Updates

1. 

   XPlace Sep 17, 2026 · 14:19
   New phone? Better headphones?
   Upgrade your tech without selling your assets.
   Pay with XPlace Credit Mode and get up to 2% cashback.

   
   • 2 replies
   • 12 likes
   • 828 views
2. 

   XPlace Sep 15, 2026 · 19:16
   Your money. Your language.
   Use XPlace in English, Dutch, French, German, Italian, Polish, Portuguese, Russian or Spanish.
   Which language should we add next?

   
   • 2 replies
   • 12 likes
   • 887 views
3. 

   XPlace Sep 3, 2026 · 14:08
   xStocks are here!
   XPlace now supports @xStocksFi tokenized equities as collateral.
   Borrow against tokenized stocks like Apple, Tesla, Nvidia, and Google - alongside BTC, ETH, and SOL without selling your assets - powered by @kamino
   ✓ Earn yield on eligible assets while you spend
   ✓ Switch between crypto and stock collateral in one tap
   ✓ No fixed repayment schedule
   The future of credit is asset-backed.
   Access to xStocks is subject to regional eligibility and is not available to U.S. persons or certain restricted jurisdictions. Terms apply.
   • 24 replies
   • 12 reposts
   • 105 likes
   • 15.8K views
4. 

   XPlace Sep 2, 2026 · 16:21
   Sell less. Live more.

   
   • 2 replies
   • 52 likes
   • 2.1K views
5. 

   XPlace Aug 31, 2026 · 16:39
   Choose Platinum. ✈️

   
   • 2 replies
   • 20 likes
   • 1.6K views
6. 

   XPlace Aug 28, 2026 · 21:01
   our founder’s note below.
   short version: your funds are safe🛡️
   • 2 replies
   • 1 reposts
   • 18 likes
   • 3K views
7. 

   XPlace Aug 28, 2026 · 16:48
   Sorry @apnmrev
   (seriously though I'm taking bids)

   
   • 2 replies
   • 13 likes
   • 1.8K views
8. 

   XPlace Aug 25, 2026 · 17:25
   XPlace goes physical! - starting with Silver💳
   Silver cards are now available to order directly in-app.
   Open XPlace → Card → Order physical card.
   $99 • Courier delivery included.
   Physical card. Digital wealth.
   Order now & receive in 3-12 days.

   
   • 7 replies
   • 5 reposts
   • 48 likes
   • 3.9K views
9. 

   XPlace Aug 21, 2026 · 15:20
   Selling an appreciating asset to fund a purchase is expensive.
   Not because of what you spend today.
   Because of what you give up tomorrow.
   Ownership is the luxury.

   
   • 4 replies
   • 1 reposts
   • 21 likes
   • 1.4K views
10. 

    XPlace Aug 20, 2026 · 15:10
    POV: You didn't sell your crypto to spend.
    Wealth is built by staying exposed to the assets you believe in.
    Spend without selling.
    Keep your position.
    Keep the upside.
    With XPlace, you don't have to choose between living today and staying invested for tomorrow.

    
    • 1 replies
    • 12 reposts
    • 42 likes
    • 1.4K views
11. 

    XPlace Aug 20, 2026 · 01:21
    Turns out you can spend your crypto without selling it 👀
    The @xplaceapp card uses your crypto as collateral, so you borrow against it instead of selling.
    You keep your assets, and there's no disposal to report at tax time.
    Here's how it works 👇
    • 2 replies
    • 1 reposts
    • 11 likes
    • 2.3K views
12. 

    XPlace Aug 18, 2026 · 17:51
    Your Bitcoin has worked hard for you.
    Now let it work a little harder.
    Access up to 70% credit against your BTC, without selling a single sat.
    ✔ Keep your upside exposure
    ✔ Access instant liquidity
    ✔ Continue living life on your terms

    
    • 1 reposts
    • 18 likes
    • 1.4K views
13. 

    XPlace Aug 14, 2026 · 17:55
    Same $275,000 spent over 5 years.
    One sold their Bitcoin to fund it.
    The other borrowed against it and kept their Bitcoin.
    Same lifestyle.
    Very different balance sheet.
    Stop obsessing over what you spend.
    Start thinking about how you spend it.

    
    • 4 replies
    • 3 reposts
    • 48 likes
    • 2K views
14. 

    XPlace Aug 12, 2026 · 18:16
    We’ve got a new referral program.
    Refer a friend and you both get a mystery crypto reward between $5-$250.
    Could be $5.
    Could be $25.
    Could be $100.
    Could be $250.
    It will land in Bitcoin, Solana or Ethereum.
    You won’t know until you earn it.

    

    1 more in this thread

    Your friend simply needs to activate their XPlace Card and spend $100+ in Credit Mode.
    Every friend. Another shot.
    *Reward asset and amount are randomly allocated based on predefined probabilities. Rewards range from $5–$250. Eligibility and T&Cs apply.*
    • 10 replies
    • 2 reposts
    • 43 likes
    • 4.4K views
15. 

    XPlace Aug 11, 2026 · 17:27
    Bitcoin has a fixed supply of 21 million.
    Your landlord accepts none of them.
    We fixed the second problem.
    Crypto → fiat. Straight to a bank account.

    
    • 3 replies
    • 6 reposts
    • 40 likes
    • 2.4K views
16. 

    XPlace Aug 7, 2026 · 15:21
    Wealth building on @solana.
    That's it, that's the tweet.
    • 10 replies
    • 1 reposts
    • 45 likes
    • 2.3K views
17. 

    XPlace Aug 6, 2026 · 14:33
    Superteam: Batch 005
    XPlace is granting all @superteam members a complimentary Silver Membership.
    Welcoming next:
    @SuperteamCAN 🇨🇦
    @SuperteamTH 🇹🇭
    
    Because builders deserve better.
    Head to your community channels for redemption details.
    More updates coming soon.

    
    • 9 replies
    • 48 likes
    • 3.2K views
18. 

    XPlace Aug 5, 2026 · 18:50
    Know your next move.
    From August 10, Borrow APY on XPlace will be fixed based on your membership tier.
    Your rate is shown before you borrow, so your rate won't change until you repay.
    Basic — 13.99%
    Silver — 11.99%
    Gold — 9.99%
    Platinum — 7.99%
    Tier rates apply to the first $100,000 borrowed. Anything above that is charged at the Basic rate.
    No surprises. Just certainty when planning your liquidity.

    
    • 4 replies
    • 2 reposts
    • 48 likes
    • 2.7K views

XPlace Card Reviews & Comments

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