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Plasma One / Card review
Self-custodial stablecoin Visa
Plasma One Lite
An invite-only card funded with USDT, USDC or USDG that spends your own onchain balance.
- Rewards · first band
- 2% base; monthly bands apply
- Foreign-currency fee
- Plasma 1% + Visa fee (typically about 1%)
- Card issuance fee
- One free virtual card
- Maintenance / subscription
- No subscription or XPL lock
Your selected card: before you apply.
Selected tier / planLitePlasma One Lite
Check regional termsChoose your residence first
- Documents to prepare
- Check accepted ID and any address evidence in the application for your residence and program.
- Cost to obtain the card
- One free virtual card
Maintenance / subscription: No subscription or XPL lock
Steps on the official site or app
- Install Plasma One from the official download page
- Complete the account and card onboarding
- 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.
Why choose this card
Try Plasma’s onchain spending balance without subscribing or locking XPL.
A good fit if
For lighter spending when you want Lite access without a subscription or token lock and accept rewards paid in XPL.
The tradeoff
Lite omits a physical card; cashback steps down with spending, and rewards are paid in XPL rather than stablecoins.
Choose Core if eligible AI purchases and its higher base rate justify a subscription or token lock.
Check regional termsFees & rewards
Lite
- Rewards · first band
- 2% base; monthly bands apply
- Foreign-currency fee
- Plasma 1% + Visa fee (typically about 1%)
- Card issuance fee
- One free virtual card
- Maintenance / subscription
- No subscription or XPL lock
Read the conditions behind the figures
Lite requires no subscription or XPL lock. Rates can step down across monthly spending bands; check in-app help for exact bands and caps.
Figures refer to the selected card and plan. Do not combine them with benefits of another pictured or listed tier.
How the card works
Spend your own onchain balance · USDT / USDC / USDG
Complete the account and card onboarding
Before you apply
Check regional termsInvitation 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.
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.
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
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.
Official sources
personal ↗plasma one rewards ↗
Plasma One — Supported countries and US states ↗
Plasma One — Account access ↗
Plasma One — Lite plan ↗
Plasma One — Fees ↗
Plasma One — Referral cashback ↗
Plasma One — How funds are held ↗
Plasma One — Add money ↗
Lite ↗
Plasma card FX markups and Visa fees ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026