Xplace Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
XPlace is a leveraged DeFi credit line dressed as a Visa card. Your collateral never leaves your own Solana wallet. XPlace says it never holds funds, and the deposit sits in Kamino Finance smart contracts, earning yield while it backs your credit line. Two ways to spend: Cash mode draws your own balance, Credit mode borrows USDC against collateral so you never sell and never trigger a taxable disposal. Basic is free, Silver runs $99 a year, Gold $249, Platinum $999. Platinum tops out at up to 4% cashback in Credit mode with 0% FX, and the FX fee shrinks as the tier climbs. Loan-to-value reaches 80%, and the credit line goes up to $750K on Platinum. KYC is required. Apple Pay and Google Pay both work. Here is the real catch. You spend borrowed USDC against volatile Solana collateral at up to 80% LTV. A sharp drop, a bad-debt event, or a protocol exploit can auto-liquidate you, and because it is non-custodial with no backstop, XPlace cannot reverse it. Credit mode also charges borrow interest, so part of that headline cashback is eaten by the loan. Availability varies by country, so verify your own, including US eligibility. Best fit: Solana holders with real SOL, BTC, or ETH who want to borrow rather than sell, keep upside, defer tax, and can stomach liquidation risk and interest. Wrong card if you want a simple top-up, principal safety, or you do not understand liquidation.
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 (variable; recent rates lower) 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, 1% foreign transaction fee, 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 the UK.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | Basic free; Silver $99/yr; Gold $249/yr; Platinum $999/yr (tier grid verified x.place 2026-07-22) |
| FX Fee | 1% FX on international transactions (Silver/Gold tiers); 0% FX on Platinum ($999/yr) |
| ATM Limit | Not available (no cash advances or ATM withdrawals) |
| Spending Limit | Based on collateral and tier |
These figures can change. Confirm the current fees, FX and network in Xplace’s official terms before you apply.
Features
- Card Type: Virtual + Physical
- Top up with: 30+ Solana-based assets including SOL BTC ETH USDC USDT (collateral for borrowing)
- Available Countries: Not published. The issuer names no supported countries anywhere in its documentation; geography appears only as a prohibited list - see the Regions field. Availability in a given country is unverified (read 2026-08-08)
Banking & Fiat Rails
Not disclosed (no IBAN advertised)
Who issues the Xplace Card
The Xplace Card is issued by Third National (Nimbus LLC), USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy. The issuer is named verbatim in the card documentation. — platform operated by Pontech Group L.L.C-FZ; Rain rail.
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported Cryptocurrencies
You can load the Xplace Card with crypto; the asset we track for it is listed below. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Solana-native; fund via USDC/USDT (also SOL, BONK, PYTH, JUP as collateral)
Who Is the Xplace Card Best For?
The Xplace Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.
The Xplace Card pays 0.5% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in No published availability list - x.place documents geography only by exclusion. Operator: Pontech Group L.L.C-FZ; issuer Third National, named once in each of the US and international card terms, which is the same rail Hyperbeat runs on and the reason both publish an identical blocklist. Prohibited: Belarus, China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam. Its own two lists of barred US states disagree - 16 in the terms against 19 on the Prohibitions page. The 160+ figure is Visa acceptance rather than availability: the homepage reads Visa cards are accepted in 160+ countries, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn 0.5% cashback
- DeFi users who want to hold their own keys
- US residents who want a crypto spending card
Avoid if
- You're based in Europe (this card is US-only)
Compare the Xplace Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- First Solana credit card; 0% APR on purchases; earn up to ~16% APY on collateral (variable; current vault rates lower); true non-custodial; no taxable events when spending
- Earn 0.5% cashback on eligible purchases
- No card issuance fee
- Works wherever Visa is accepted worldwide
- Self-custody: you keep your private keys until you spend
- Virtual card ready right away, no shipping wait
Cons
- No ATM withdrawals; requires crypto collateral; interest on unpaid balances; Solana ecosystem only; launched late 2025 (new product)
- Annual fee: Basic free; Silver $99/yr; Gold $249/yr; Platinum $999/yr (tier grid verified x.place 2026-07-22)
- Only available in certain regions
- Full KYC required, no anonymous tier
How to Get the Xplace Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Xplace account
A few minutesGo to the Xplace website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerXplace runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with 30+ Solana-based assets including SOL BTC ETH USDC USDT (collateral for borrowing) through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Xplace Card shows up in the Xplace app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in No published availability list - x.place documents geography only by exclusion. Operator: Pontech Group L.L.C-FZ; issuer Third National, named once in each of the US and international card terms, which is the same rail Hyperbeat runs on and the reason both publish an identical blocklist. Prohibited: Belarus, China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam. Its own two lists of barred US states disagree - 16 in the terms against 19 on the Prohibitions page. The 160+ figure is Visa acceptance rather than availability: the homepage reads Visa cards are accepted in 160+ countries
The Xplace Card is currently available in No published availability list - x.place documents geography only by exclusion. Operator: Pontech Group L.L.C-FZ; issuer Third National, named once in each of the US and international card terms, which is the same rail Hyperbeat runs on and the reason both publish an identical blocklist. Prohibited: Belarus, China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam. Its own two lists of barred US states disagree - 16 in the terms against 19 on the Prohibitions page. The 160+ figure is Visa acceptance rather than availability: the homepage reads Visa cards are accepted in 160+ countries. Some countries may be excluded, so confirm on the issuer's website before applying.
Common questions about the Xplace Card
What are the fees for the Xplace Card?
How does the Xplace Card cashback work?
Where is the Xplace Card available?
What cryptocurrencies does the Xplace Card support?
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