XPLACE Card Your money, Upgraded
CARD FEATURE OVERVIEW. 
| W BONUS | XP REWARDS |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO $10 |
| NEED KYC | YES |
| FX FEE | 1% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL, PHYSICAL AND CREDIT |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | $2,000/MO |
| W BONUS | XP REWARDS |
|---|---|
| REG FEE / REQ | $99/YEAR |
| CASHBACK | UP TO $40 |
| NEED KYC | YES |
| FX FEE | 0.5% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL, PHYSICAL AND CREDIT |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | $10,000/MO |
| W BONUS | XP REWARDS |
|---|---|
| REG FEE / REQ | $249/YEAR |
| CASHBACK | UP TO $100 |
| NEED KYC | YES |
| FX FEE | 0.25% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL, PHYSICAL AND CREDIT |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | $200,000/MO |
| W BONUS | XP REWARDS |
|---|---|
| REG FEE / REQ | $999/YEAR |
| CASHBACK | UP TO $250 |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL, PHYSICAL AND CREDIT |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | $750,000/MO |
- Cashback is split by how you pay. Credit Mode (borrowing) pays up to 4%, Cash Mode (spending stablecoins) pays up to 2%, so the same tier earns roughly half as much back when you spend your own balance rather than borrowing.
Every tier has a low monthly cashback ceiling measured in dollars earned, not spend: $10 Basic, $40 Silver, $100 Gold, $250 Platinum. The "up to 4%" headline only applies to Credit Mode and is clipped by these monthly limits.
THE REAL STORY ON THIS CARD.
- Non-custodial
- Spend without selling crypto (Credit Mode against collateral); direct stablecoin spend (Cash Mode)
- Up to 4% USDC cashback (Credit Mode)
- Yield via Kamino Finance ($2.8B TVL, 18+ audits)
- Four tiers from free to premium with lifestyle benefits (lounges, fast-track, concierge, private events)
- 0% FX on Platinum
- No setup or origination fee; borrow and repay on your terms with no early-repayment penalty
- Physical card not yet available (Q3); currently virtual only
- Annual fees for higher tiers ($99–$999/year, no monthly option)
- Cashback split by mode, Cash Mode earns only half of Credit Mode
- Small monthly cashback caps ($10–$250) limit real-world earnings
- Platform runs on Solana only
- ATM cash advances not available internationally
- Variable APY — not guaranteed
- Collateral liquidation risk if LTV threshold is crossed
GENERAL QUESTIONS.
Full control: Your crypto stays in your wallet
Instant access: Issue your card in minutes
Smart yield: Earn daily returns on your assets
Credit freedom: Borrow without selling your tokens
Global use: Pay anywhere with Apple Pay and Google Pay
Premium lifestyle: airport lounges, concierge, and exclusive offers
Rewards: XP, cashback, and future token airdrops
1. Create Your Account
You can create your XPlace account in just a few taps.
Choose the sign-up method that’s most convenient for you:
Email — sign up using your email address
Google — connect instantly with your Google account
X.com (Twitter) — sign in with your X profile to connect your social identity
2. Secure Your Account
Once you’ve registered, you’ll be asked to set up your personal security preferences:
Set a PIN Code
6 digit PIN to protect access to your account.
Enable Face ID (optional but recommended)
For quick and secure logins — no passwords needed.
3. Personalize Your Profile
After securing your account, you can personalize your XPlace identity:
🪪 Choose your nickname
You can import your nickname directly from X.com,
Or set a custom in-app nickname unique to you.
This nickname will be visible to other users in trading feeds and leaderboards.
4. Welcome to XPlace Portfolio
Once registration is complete, you’ll land directly in your Portfolio —
your main dashboard for balances, deposits, and credits.
From here you can:
View your assets and performance
Add funds to Savings Hub
Track your credit limit in Credit Hub
Deposit crypto or buy via card
Users earn XP for their everyday activity in XPlace — spending with the card, completing quests, and inviting friends.
Each action increases your total XP and token rewards at TGE.
Inviting friends is one of the fastest ways to grow your XP — when someone joins XPlace using your referral link and starts using their card, you earn XP from their activity.
Track your progress and see your total XP anytime in the Rewards section inside the app
Layer-1 tokens: SOL, ETH (wETH), BTC (wBTC, cbBTC, zBTC, LBTC)
Stablecoins: USDC, USDT, USDY, USDS, PYUSD, sUSDe, USD-e, syrupUSDC, AUSD
Liquid staking tokens: mSOL, jitoSOL, bSOL, dSOL, BNSOL, JLP
Utility tokens: PYTH, JUP, TNSR, DRIFT, INF, JTO, ME, RENDER, CLOUD
Meme & community tokens: BONK, WIF, POPCAT, MOTHER, PENGU, TRUMP, MELANIA, AI16Z, FARTCOIN, PUMP, ZEUS, 2Z, MET, dfdvSOL
Savings Hub is where you can deposit your assets to earn daily yield and unlock Credit Power for your XPlace Card.
When you deposit funds into the Savings Hub, your assets start generating yield automatically through smart contracts and integrated lending protocols.
How It Works
When you deposit crypto, it begins earning daily yield (calculated automatically).
Your deposit also acts as collateral, providing you with Credit Power — the amount you can borrow or use via your XPlace Card.
Depending on the token type and its market capitalization, you can receive 30%–70% Credit Power of your deposited amount.
For example:
If you deposit $1,000 in SOL, you may unlock $700 in Credit Power.
If you deposit a meme token, your Credit Power ratio might be lower (e.g., 30%).
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