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XPlace / Card review

Crypto payment card

XPlace Gold

A self-custodial Solana Visa card switching between direct USDC spending and Kamino collateral borrowing.

Check regional terms
Official siteRequirements & steps
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Official product image · Designs may vary by country and tier.

Before you apply

Selected tier / planGoldXPlace Gold

Select where you live, not your travel destination.

Check regional terms

Choose your residence first

Important to check

  • A 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.

Documents & application →

Features & benefits

Expand USDC cashback to $100 monthly with 0.25% FX.

Rewards · first band
Cash Mode 1.5%
Spending preferences
Spend funded balance
Custody model
Wallet-based

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

A good fit if

  • For frequent card spending that outgrows Silver’s $40 reward cap and benefits from Gold’s 1.5% Cash Mode rate.

The tradeoff

  • Membership costs $249 yearly; rewards stop at $100 monthly, and the advertised 3% rate is Credit 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
How the card works
  • A self-custodial Solana Visa card switching between direct USDC spending and Kamino collateral borrowing.
View cards & plans4

Fees & benefit conditions

Card issuance fee
Amount not stated in reviewed official sources
Maintenance / subscription
$249/year
Foreign-currency fee
0.25% FX

Read the conditions behind the figures

  • Credit Mode 3%; $100 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.

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

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. Register in XPlace and complete verification while checking residence eligibility.
  2. For direct spending, prepare a USDC balance for Cash Mode.
  3. For borrowing, deposit supported collateral and review Credit Mode loan and liquidation terms.
  4. Choose the card mode and add the virtual card to Apple Pay or Google Pay.
Official siteOfficial help and support

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
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
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
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.

An alternative to compare
XPlace Silver ↗

Choose Silver for a $99 annual fee when a $40 monthly reward cap is enough.

Check regional terms
Compare both cards →

Official documentation & sources

Official sources
Membership ↗
Cashback ↗
Card ↗
Custody and assets ↗

Catalog dated 7 Sep 2026 · supplemental facts checked 8 Sep 2026

Official siteRequirements & steps