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XPlace / Card review
Crypto payment card
XPlace Basic
A self-custodial Solana Visa card switching between direct USDC spending and Kamino collateral borrowing.
- Rewards · first band
- Cash Mode 0.5%
- Foreign-currency fee
- 1% FX
- Card issuance fee
- Amount not stated in reviewed official sources
- Maintenance / subscription
- $0/year
Your selected card: before you apply.
Selected tier / planBasicXPlace Basic
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
- Amount not stated in reviewed official sources
Maintenance / subscription: $0/year
Items to verify and where to check · 1
- Card issuance feeAmount not stated in reviewed official sourcesThe reviewed Membership and The Card pages show annual membership prices and physical-card rollout information but do not specify a separate issuance fee. Choose the tier in the app and review the final card-order amount.
Fields reviewed · 2026-09-09
Steps on the official site or app
- Register in XPlace and complete verification while checking residence eligibility.
- For direct spending, prepare a USDC balance for Cash Mode.
- For borrowing, deposit supported collateral and review Credit Mode loan and liquidation terms.
- Choose the card mode and add the virtual card to Apple Pay or Google Pay.
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 USDC Cash Mode with no annual membership fee.
A good fit if
For occasional Solana USDC spending when 0.5% cashback and a $10 monthly reward cap cover your needs.
The tradeoff
Non-USD purchases cost 1% FX; the higher Credit Mode reward requires collateral borrowing.
For regular foreign-currency spending, weigh Silver’s 0.5% FX and larger cap against $99 yearly.
Check regional termsFees & rewards
Basic
- Rewards · first band
- Cash Mode 0.5%
- Foreign-currency fee
- 1% FX
- Card issuance fee
- Amount not stated in reviewed official sources
- Maintenance / subscription
- $0/year
Read the conditions behind the figures
Credit Mode 1%; $10 monthly cashback cap. Collateral borrowing terms apply. Physical cards advertised for Q3.
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 funded balance · USDC / USDT / SOL / JitoSOL / BTC / ETH
For direct spending, prepare a USDC balance for Cash Mode.
Before you apply
Check regional termsA listed country does not guarantee personal approval. Check identity, address, documentation and delivery requirements.
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
- USDC · USDT · SOL · JitoSOL · BTC · ETH
- Supported networks
- Official confirmation needed
- Balance / billing currency
- USD
- Conversion timing
- Depends on region or payment mode
- Virtual card
- Listed · check region and plan
- Physical card
- Not offered for this program
- 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
- Third National; program managed by Signify Holdings (Rain)
- Custody of funded balances
- Official confirmation needed
Cash Mode uses the user’s wallet balance; Credit Mode collateral enters Kamino smart contracts. The app supports card freezing, and collateral is subject to liquidation risk.
Official sources
Membership ↗Cashback ↗
Card ↗
Custody and assets ↗
Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026