XPlace: Crypto Credit Card

XPlace: Pay, earn and grow your wealth - all in one place

Spend without selling. Move your money around the world.

XPlace brings together everyday card spending, international transfers and access to funds against eligible digital assets. Use your cash balance for everyday payments or access funds through Credit Mode using eligible assets as collateral, without automatically selling them. Supported collateral includes crypto and tokenized stocks where available.

Everyday payments
Use your XPlace Card wherever Visa is accepted. Pay with Google Pay, manage your card and freeze it directly in the app.

Spend without selling
Access funds against eligible collateral through Credit Mode. Borrow, repay and reuse available borrowing capacity, subject to collateral requirements, market conditions and protocol parameters. APR and spending limits depend on your membership tier, account eligibility and applicable terms.

Send abroad. Receive locally.
Send money to 160+ countries. Receive money locally in more currencies, including USD, EUR, GBP, BRL, AED and NGN. Check the app for the currencies and payment methods available to you.

Grow your wealth
Eligible collateral may generate variable yield through integrated DeFi protocols while being used in Credit Mode. Rates depend on market conditions and the relevant protocol. Yield is not guaranteed.

Cashback and rewards
Receive up to 2% cashback in USDC on eligible Credit Mode spending, depending on your membership tier. Monthly caps and program terms apply.

Premium benefits
Depending on your membership tier, enjoy benefits such as reduced FX fees, premium travel upgrades and access to exclusive events worldwide. Platinum members can also receive airport lounge access and 24/7 concierge services, subject to applicable terms and availability.

Self-custody in Cash Mode
Your Cash Mode balance stays in your own wallet. In Credit Mode, your collateral is deployed to on-chain smart contracts.

XPlace brings your card, international transfers and tools to grow your wealth together in one place.

Important information
APR and yield rates are variable and not guaranteed. Actual rates depend on market conditions, membership tier, eligible assets and applicable protocol parameters. Borrowing involves risks, including liquidation risk. Your collateral remains subject to market movements and borrowing costs. Digital assets involve risk, including loss of capital. Yield opportunities involve DeFi and smart-contract risks. Cashback is available on eligible Credit Mode transactions, varies by membership tier and is subject to monthly caps and program terms. The XPlace Card is not affiliated with the XPlace protocol and is subject to separate terms provided by the issuer. Transfers are available through supported payment networks; availability, fees, limits, processing times, exchange rates, fair-use limits and terms apply.