XHYPE CARD
CARD FEATURE OVERVIEW.
| W BONUS | $5 CREDIT |
|---|---|
| REG FEE / REQ | $108/YEAR |
| CASHBACK | 0% |
| NEED KYC | NO |
| FX FEE | NOT DISCLOSED |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $0 |
| DAILY LIMIT | $25,000/YEAR |
| W BONUS | $10 CREDIT |
|---|---|
| REG FEE / REQ | $228/YEAR |
| CASHBACK | $0 |
| NEED KYC | NO |
| FX FEE | NOT DISCLOSED |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $0 |
| DAILY LIMIT | $50,000/YEAR |
| W BONUS | $40 CREDIT |
|---|---|
| REG FEE / REQ | $588/YEAR |
| CASHBACK | $0 |
| NEED KYC | NO |
| FX FEE | NOT DISCLOSED |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $0 |
| DAILY LIMIT | $100,000/YEAR |
4.5% recharge commission on the cheapest Essential tier is charged on every USDT top-up, that's the real cost you pay before any FX even kicks in.
- Tiers top up fee: Essential: 4.5% - Premium: 3.5% - Whale: 2.3%
THE REAL STORY ON THIS CARD.
- No KYC or identity collection
- Instant free credit up to $40 (new users, tier-dependent)
- Global availability
- Apple Pay and Google Pay, contactless payments
- Prepaid, no overdraft risk or credit checks
- Convert USDT to fiat for spend; automatic currency conversion
- No inactivity fee, no cancellation fee
- 2FA, PIN change, instant card lock/unlock
- Paid subscription billed annually up front ($108–$588/yr)
- Recharge fee 2.3%–4.5% on every USDT top-up
- Issuer and payment network not disclosed
- "No KYC" still subject to AML screening, mixer-linked funds rejected
- Annual recharge limits reset only after a year, or must buy more cards
- No bank account/IBAN feature
- No physical card
- FX fee rate not disclosed
GENERAL QUESTIONS.
Xkard operates under a zero-knowledge model — meaning we never collect, request, or store personal data. You can top up and spend your crypto freely, with complete privacy and without going through any KYC process.
The Xhype Card is available globally. However, usage and membership are strictly restricted for individuals who are residents or citizens of countries subject to international sanctions.
Foreign currency exchange fee: Standard fee.
USDT recharge fee: 2.3%-4.5% (depending on the selected card type).
Annual card issuance or renewal fee: Based on the card type ($9/month, $19/month, $49/month – paid annually).
Inactivity fee: None.
Card cancellation fee: None.
Absolutely. Once you recharge your xkard, your funds are securely held by our fully licensed issuer, ensuring institutional-grade protection. Xhype does not hold or control your funds.
Yes, Xhype operates fully within the legal framework of the jurisdictions where we are registered. We follow all applicable financial regulations while ensuring maximum privacy and financial freedom for our users.
Our business structure is designed to provide a seamless, global, and compliant crypto-to-fiat solution. Xhype Card is issued through licensed financial partners that operate under the regulatory framework of their respective jurisdictions, ensuring security and reliability in all transactions.
Unlike traditional financial institutions, we follow a zero-knowledge model and do not require KYC, as we are not a custodial entity. Your funds remain secure within the regulated infrastructure of our fully licensed issuer, subject to strict banking regulations, offering you the same level of protection and acceptance as any other major card provider.
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