XPlace Card
by XPlace (Pontech Group)
Non-custodial Visa card — borrow against crypto and spend anywhere Visa is accepted
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Overview
XPlace is a non-custodial Visa card on Solana that lets you spend without selling: keep your crypto, borrow against it at the moment you tap, and earn yield while it backs your spend. It has two modes — Credit Mode (borrow against BTC, ETH, SOL) and Cash Mode (spend a stablecoin balance) — with Apple Pay and Google Pay. Plans range from a free Basic tier to Platinum, and cashback in USDC goes up to 4% by tier. It is available in 160+ countries with dedicated international card terms, though services are not available in all jurisdictions.
Key facts
- Card type
- Virtual, Physical
- Card network
- Visa
- Custody
- Non-custodial (Solana / Kamino)
- Cashback
- Up to 4% in USDC (by tier)
- Apple Pay
- Yes
- Google Pay
- Yes
Unique features
- Credit Mode borrows against crypto automatically at tap
- Cash Mode spends a stablecoin balance directly
- Yield via Kamino Finance while assets back your spend
India availability
XPlace is available in 160+ countries and publishes separate international user card terms, so Indian residents can generally apply. It is a self-custodial Solana card funded with crypto (SOL, BTC, ETH, USDT, USDC). There is no INR top-up, and services are not available in all jurisdictions — confirm eligibility at signup.
Best for Indian users
Indian crypto holders who do not want to sell, and want to borrow against SOL/BTC/ETH while spending on Visa.
- XPlace is available in 160+ countries and publishes separate Card Terms for International Users.
- It is non-custodial on Solana: you keep your keys, and assets are deposited as SOL, BTC, ETH, USDT or USDC.
- There is no INR top-up; you fund the card with crypto.
- Borrowing against collateral carries liquidation risk, and services are not available in all jurisdictions — confirm eligibility at signup.
- Tax note: spending crypto can be a taxable disposal of a VDA in India (30% plus surcharge/cess, 1% TDS in some cases). Informational only.
Pros & cons
Pros
- Non-custodial — you keep your keys and your crypto
- Borrow against BTC, ETH or SOL instead of selling
- Accepted in 160+ countries; 0% FX on Platinum
- Apple Pay and Google Pay native
- Cashback paid in real USDC, up to 4% by tier
- 24/7 human support across all tiers
Cons
- Plans cost money above Basic ($99–$999/year)
- Borrowing against collateral carries liquidation risk
- Yield is variable and not guaranteed
- Solana-only assets (cbBTC, wETH, SOL, JitoSOL, USDC, USDT)
- Physical cards are region-dependent (virtual in minutes)
Fees
| Monthly fee | Basic free |
|---|---|
| Annual fee | Basic $0 (paid: $99–$999/yr) |
| FX / foreign-currency fee | 0% FX on Platinum |
Basic is free with a $2,000 monthly limit and 0.5% Credit Mode cashback. Silver is $99/yr (1%), Gold $249/yr (1.5%), Platinum $999/yr (2%, unlimited lounges, 0% FX). Confirm current pricing and limits in the app.
Card formats
Virtual Card
Available- Issuance
- Instant after signup
Physical Card
Available- Material
- Metal/plastic
- Shipping
- 7–14 business days
KYC requirements
Level 3 of 4 — ID Verification
| Email verification | Required |
|---|---|
| Phone verification | Required |
| Identity document | Required |
| Proof of address | Not Required |
| Selfie verification | Not Required |
Integrations & tech
Supported crypto
Tokens
Chains / networks
Scores
Editor score
How we rate — see our methodology.
Perks & benefits
- Borrow without selling your crypto
- Yield on collateral while you spend
- Airport lounges and concierge on higher tiers
- Real USDC cashback
Rewards program details
Credit Mode cashback by tier: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%, with up to 4% across categories. Paid in USDC to your wallet at settlement, not points.
Exclusions
- Borrowing carries liquidation risk
- Services not available in all jurisdictions
Frequently asked questions
Is the XPlace Card available in India?
Can I top up XPlace with INR?
How does XPlace cashback work?
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Ready to get the XPlace Card?
Applications are subject to the issuer's eligibility and KYC checks. Always confirm current fees and terms on the official site.
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