Xplace Card Review 2026

Name: Xplace Card
Brand: Visa
Availability: InStock

Reviewed by Mihail B. in October 2026 · Data verified October 13, 2026 · how we verify

4.6 / 5.0Sweepbase rating

Algorithmic score, not user reviews: how it is calculated

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CustodySelf-custody

NetworkVisa Credit

CashbackUp to 2%

Regions—

Fees and limits

Issuance fee	Free
Annual fee	Basic free; Silver $99/yr; Gold $249/yr; Platinum $999/yr
FX fee	1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum ($999/yr)
ATM limit	Not available (no cash advances or ATM withdrawals)
Spending limit	Based on collateral and tier

Fees change; the current ones are in Xplace’s terms.

Features

Cashback: Credit Mode cashback by tier: 0.5% Basic / 1% Silver / 1.5% Gold / 2% Platinum, paid in USDC
KYC: Yes
Card type: Virtual + Physical. Physical cards are live for Silver; Gold and Platinum physical cards are coming soon
Top up with: BTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT and xStocks tokenized equities on Solana (collateral for borrowing)
Available countries: Not published
Full list
- 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

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 in the source linked below. (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 5 assets we track for it are listed below.

Networks & deposit details: Solana-native; fund via USDC/USDT (also SOL, BONK, PYTH, JUP as collateral)

BTCBitcoinETHEthereumSOLSolanaUSDCUSD CoinUSDTTether

Pros and cons

Pros

✓
Borrow against your crypto instead of selling it
The fine print
- Deposits keep earning variable Kamino yield while they back the credit line
- Non-custodial
- Up to 2% cashback in real USDC
- 0% FX on Platinum
- Apple Pay and Google Pay
No card issuance fee

Cons

✗
Credit Mode borrowing carries borrow rates and liquidation risk on your collateral
The fine print
- Collateral stays locked while a borrowed amount is outstanding
- Solana assets only
- 1% FX fee on the free Basic tier
- Physical card only on Silver so far

Regional availability

Availability by exclusion list

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.

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 don't sell, and in many tax systems borrowing is not a disposal.

Basic is free, Silver runs $99 a year, Gold $249, Platinum $999. Credit-mode cashback, paid in USDC, runs 0.5% on Basic, 1% on Silver, 1.5% on Gold and 2% on Platinum, and FX falls from 1% on Basic to 0.5% on Silver, 0.25% on Gold and 0% on Platinum. Collateral can be BTC, ETH, SOL, JitoSOL, USDC, USDT or xStocks tokenized equities, and it stays locked while a borrowed amount is outstanding. Physical cards are live for Silver; Gold and Platinum plastic is still coming.

KYC is required. Apple Pay and Google Pay both work. In Credit mode you spend borrowed USDC against volatile Solana collateral. 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

Common questions about the Xplace Card

We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.

What are the fees for the Xplace Card?

The one charge on the Xplace Card is its FX fee: 1% on Basic, 0.5% on Silver, 0.25% on Gold, 0% on Platinum ($999/yr). No issuance fee and no annual fee (Basic).

Is the Xplace Card legit, and who is behind it?

The issuer of record for the Xplace Card is Third National (Nimbus LLC), USA, named in the terms published at docs.x.place. Platform operated by Pontech Group L.L.C-FZ.

Is the Xplace Card worth it?

Best fit for the Xplace Card: 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. Spending in another currency costs 1%.

How does the Xplace Card cashback work?

Credit Mode cashback by tier: 0.5% Basic / 1% Silver / 1.5% Gold / 2% Platinum, paid in USDC.

Where is the Xplace Card available?

Published coverage: Not published.

What cryptocurrencies does the Xplace Card support?

You can fund the Xplace Card with: BTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT and xStocks tokenized equities on Solana (collateral for borrowing).