Plasma One / Card review

Self-custodial stablecoin Visa

Plasma One Core

An invite-only card funded with USDT, USDC or USDG that spends your own onchain balance.

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Brand representative · tier/region design may differ

Before you apply

Selected tier / planCorePlasma One Core

Select where you live, not your travel destination.

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Choose your residence first

Important to check

  • Invitation and KYC required; confirm issuance eligibility for your country.
  • Current help pages qualify the homepage’s free-card and 2% claims with regional fees and cashback bands.

Regional availability is not individual approval. Figures refer to the selected card/plan; check tier, identity-document and delivery conditions.

Documents & application →

Features & benefits

Plasma’s middle tier for regular spending and eligible AI subscriptions.

Rewards · first band
3% base; monthly bands apply
Spending preferences
Spend your own onchain balance
Custody model
Wallet-based

Read the conditions behind the figures · Fees & benefit conditions ↓

A good fit if

  • For 3% base cashback and 5% eligible AI rewards when an annual subscription or XPL lock fits your budget.

The tradeoff

  • Core requires an annual USD subscription or 12-month XPL lock; rewards arrive in XPL and fall across monthly spending bands.
Virtual card
Listed · check region and plan
Physical card
Official confirmation needed
Apple Pay
Listed · check region and plan
Google Pay
Listed · check region and plan
How the card works
  • Lite pays 2% on the first $500/month, then 0.1%, in XPL.
  • Spending bands apply across all cards on the account; a physical card is not included in Lite.
View cards & plans3

Fees & benefit conditions

Card issuance fee
Up to two virtual cards included
Maintenance / subscription
$199/year or lock 20,000 XPL for 12 months
Foreign-currency fee
Plasma 0.5% + Visa fee (typically about 1%)

Read the conditions behind the figures

  • Core offers a $199 annual subscription or a 12-month lock of 20,000 XPL.
  • The 5% AI cashback is separate from 3% base spending rewards; check eligible merchants and monthly bands.

Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.

Documents & application

Documents to prepare

Check accepted ID and any address evidence in the application for your residence and program.

Steps on the official site or app

  1. Install Plasma One from the official download page
  2. Complete the account and card onboarding
  3. Open Tiers and review the current subscription or lock requirements

The official site opens in a new tab. Select the product and tier shown above. Identity checks and the final application take place with the provider.

Full details & support

Full details

Practical payment facts

Narrow by supported features · brand guidance, subject to regional and tier conditions.

Funding / spending assets
USDT · USDC · USDG
Supported networks
Official confirmation needed
Balance / billing currency
USD-denominated stablecoin balance
Conversion timing
Official confirmation needed
Virtual card
Listed · check region and plan
Physical card
Official confirmation needed
Apple Pay
Listed · check region and plan
Google Pay
Listed · check region and plan
Recurring payments
Official confirmation needed
Refunds & support

A fixed processing time and return currency were not established for this program. Check the transaction and contact official support using the steps below.

Cancellations, refunds and support
Request a cancellation or return from the merchant and obtain a confirmation or refund reference. Record whether the card transaction is pending or settled.
Cancellation and subscriptions
Cancel subscriptions in the merchant account and check the next billing date. Freezing or closing a card does not cancel the merchant subscription.
Declined or unfamiliar transactions
Check the decline reason, balance, limits and activation status. For an unfamiliar payment, use the available card-lock control and notify official support promptly.
What to prepare for support
Prepare the merchant, date, amount, currency, transaction ID, status and refund reference. Ask support for the destination, expected posting date and dispute deadline. Do not send a full card number or wallet secret.
Official help and support ↗
Brand and custody
Card issuer / operator
Rain (product page); Third National named in rewards terms — confirm regional card agreement
Custody of funded balances
User-held stablecoin balance; Bridge provides regional global-account services

The backing stablecoins remain user-held and are not bank deposits. Rain issues the card, Bridge handles regional account services, and you can freeze the card in the app.

An alternative to compare
Plasma One Lite ↗

Choose Lite to avoid subscription costs and token locking when premium category rewards add little value.

Check regional terms
Compare both cards →

Official documentation & sources

Official sources