Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$3.00/$100
Take it?CostsAsks forLimitsWhere it worksFlawsHow we checkedAlternatives
Ledger
XPlace Card

XPlace Card

VisaVirtual and plasticSince 2024
Asks for a documentOperational

Solana-based non-custodial credit card: deposit BTC/ETH/SOL/JitoSOL/USDC/USDT as collateral into Kamino Finance, borrow USDC against it via Credit Mode, and spend via a Visa card (virtual instantly, physical metal in 7–14 days) — all while retaining on-chain ownership of the underlying assets. Four membership tiers (Basic free to Platinum $999/yr) scale cashback (up to 10% on select categories), FX fees (1% down to 0%), and limits.

Total, per $100 spent: $3.00per $100 spent

126 of the 174 priced cards cost less. Among the 101 that ask for exactly as much identity, the median is $1.00. This one takes 3 times that for the same loss of privacy.

Open x.placeNot a paid link: we earn nothing either way.

Whether to take XPlace Card

In its favour

  • Non-custodial — collateral is deposited directly into audited Kamino Finance smart contracts on Solana; XPlace cannot move or access it
  • Virtual card active in minutes; physical metal card ships in 7–14 business days
  • Up to 10% cashback on select categories (flights/AI) and up to 4% on general spend at the top (Platinum) tier
  • Credit Mode — borrow USDC against BTC/ETH/SOL/JitoSOL collateral instead of selling

Against it

  • Fee schedule is now published and tiered — but the free Basic tier carries a 1% FX fee and a 2% bridge/deposit fee (only Platinum reaches 0% FX)
  • Collateral yield is variable and not guaranteed per the Terms of Service — not a flat headline APY
  • Runs on Solana only — BTC and ETH are wrapped assets (cbBTC, wETH), not native chains
  • Newer service (2024)

Also true, in its favour

  • Card transaction fee is 0% at every membership tier; FX fee drops to 0% at Platinum
  • Apple Pay & Google Pay supported
  • Free "Basic" membership tier available — paid tiers (Silver $99/yr, Gold $249/yr, Platinum $999/yr) unlock higher limits and cashback

What XPlace Card costs

ChargeWhat it costs
To put money in
To load2%
To spend it
To spend0%
To spend outside the dollar1%
Total, per $100 spent$3.00

Not published by the issuer: to issue the card, monthly, per payment, fixed, at a cash machine.

Read off x.place on July 21, 2026.

Published, tiered fee schedule per Terms of Service (effective 2026-05-20): card transaction fee 0% at every tier. FX fee: Basic 1%, Silver 0.5%, Gold 0.25%, Platinum 0%. Bridge/deposit fee: Basic 2%, Silver 1.5%, Gold 1%, Platinum 0.5%. Cashback on general spend: Basic 0.5-1%, Silver 1-2%, Gold 1.5-3%, Platinum 2-4%; select categories (flights/AI) up to 10% at Platinum. Monthly spend limit: Basic $2,000, Silver $10,000, Gold $50,000, Platinum $750,000. Membership: Basic free, Silver $99/yr, Gold $249/yr, Platinum $999/yr. Collateral yield is variable, set by Kamino Finance market conditions — not guaranteed.

KYC: what XPlace Card asks for

A government document. Passport or ID goes to the issuer and to whoever processes verification for it, before the card is handed over.

Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards

Limits on spending

Monthly spend$2,000

Not published by the issuer: daily spend, per payment, maximum balance, cash, per day.

Confirmed on x.place on July 21, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.

Where it works

WalletsApple Pay and Google Pay
Accepted whereOnline and in person
Account detailsNone — it is a card, not an account
Coins in6BTC, ETH, SOL, JitoSOL, USDC, USDT
Chains1Solana
TiersBasic, Silver, Gold, Platinum

Closed to residents of 17 countries, according to the issuer's own terms.

  • Belarus
  • China
  • Cuba
  • India
  • Iran
  • Iraq
  • Israel
  • Myanmar
  • Nepal
  • Nicaragua
  • North Korea
  • Russia
  • Syria
  • Turkey
  • Ukraine
  • Venezuela
  • Vietnam

The other flaws

  • Blocked in several countries: Belarus, mainland China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam
  • US is supported overall, but 16 US states are restricted from card/credit features (AZ, DE, GA, ID, LA, MD, NV, NM, ND, OH, OR, RI, SD, VT, WA, WI)

How we checked this

Thirteen fields are tracked for every service. 9 of them carry a figure we read off x.place on July 21, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Spending limits · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Issuance · Monthly · Cash machine charge · Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open x.placeNot a paid link: we earn nothing either way.

Alternatives to XPlace Card

Its issuer publishes nothing to compare on price.SkyDAOSkyDAOVisaVirtual and plasticAsks for a documentOperationalAG12 Septnot published
Its issuer publishes nothing to compare on price.Western Union StablecardWestern Union StablecardVisaVirtual and plasticAsks for a documentOperationalPublishes 2 of five fee fields — not enough to price.AG12 Septnot published
Its issuer publishes nothing to compare on price.ZerocardZerocardVisaVirtual and plasticAsks for a documentOperationalAG7 Septnot published