Xplace Card Review 2026
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Last updated: by the
Xplace Card pioneers non-custodial crypto credit on Solana as the ecosystem's first true credit card, enabling users to borrow against SOL, BTC, ETH, USDC, or USDT collateral at 0% APR while continuing to earn up to 16% APY DeFi yields on deposited assets. Spend without selling your investments—avoiding taxable events—while earning 0.5-2% real-time USDC cashback based on your membership tier (Starter, Standard, Gold, Platinum) across 160+ countries via Visa. Switch instantly between Borrow Mode (credit) and Debit Mode (prepaid USDC) through the Xplace app, with instant virtual card issuance, zero foreign transaction fees, and XP points accumulation for future token allocations. Perfect for Solana DeFi natives seeking liquidity without liquidation, though note that unpaid balances incur interest and no ATM access is available.
This is a Visa crypto card. It uses a self-custody model. It offers cashback rewards. Available to US residents. Available in Europe.
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | 0% foreign transaction fees |
| ATM Limit | Not available (no cash advances or ATM withdrawals) |
| Spending Limit | Based on collateral and tier |
The Xplace Card allows you to top up and spend using 1 supported digital asset. Your crypto is automatically converted to local fiat at the point of sale.
The Xplace Card is best suited for DeFi enthusiasts and privacy-conscious users who want to maintain control of their private keys right up to the point of purchase.
With 0.5-2% real-time USDC cashback (tiered) cashback on eligible purchases, the Xplace Card rewards active spenders who use the card as their daily driver.
The card is currently available in 160+ countries including US, EU, Africa, Asia-Pacific, Latin America, Middle East — ideal for residents and frequent travellers in those areas.
Compare the Xplace Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Getting started with the Xplace Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official Xplace website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Xplace processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using 30+ Solana-based assets including SOL BTC ETH USDC USDT (collateral for borrowing) via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your virtual Xplace Card is available immediately in the Xplace app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available in 160+ countries including US, EU, Africa, Asia-Pacific, Latin America, Middle East
The Xplace Card is currently available in 160+ countries including US, EU, Africa, Asia-Pacific, Latin America, Middle East. Regional restrictions may apply — visit the official issuer website to confirm availability in your country before applying.
