The issuer says both the physical and virtual cards can be ordered in 203 countries and regions, with availability determined by residence and nationality at the time of application; KYC is completed by Verinex, the official website says all cards require it, and the "no KYC" claim circulating online is out of date.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- All three tiers are an annual fee plus a top-up fee: Essential $10/year with a 2.1% top-up fee; Premium $58/year (three years $118) with 1.8%; Whale $70/year (three years $148) with 1.2%. The issuer does not publish a monthly fee or FX fee; physical cards arrive in about 15 days.
- Debit / Deduction Model
- A self-custodial wallet plus a prepaid card: USDT, USDC or the chain's native coin is topped up from the XHYPE Superwallet into the card balance and then spent, and the card balance is held by an independent issuer rather than in the user's wallet
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. The issuer states that all cards require "private KYC" completed through Verinex, and that XHYPE only receives the verification result and does not handle the underlying identity documents. Availability is determined by residence and nationality at the time of application.
- Officially supported countries and regions
- The issuer says both the physical and virtual cards can be ordered in 203 countries and regions, with availability determined by residence and nationality at the time of application; KYC is completed by Verinex, the official website says all cards require it, and the "no KYC" claim circulating online is out of date.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Not published by the issuer: the page only says deposits are supported on BNB Smart Chain, Ethereum, Base, Polygon and Arbitrum, and does not name a card network
- Issuer Arrangement / Payment Rails
- The issuer does not publish the issuing institution or BIN ownership; the card balance is held by an independent issuer. The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- The official FAQ says "All XHYPE cards, virtual and physical, work with Apple Pay and Google Pay".
- Overseas AI Subscriptions
- The issuer says nothing about AI subscriptions; the card can be used for online purchases, but whether a charge goes through depends on the merchant gateway, so the actual charge result is what counts.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- The issuer does not publish a spend cashback rate; the three tiers differ in the number of cards, the top-up fee and the annual limit, not in cashback.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- Pricing and top-up fees for all three tiers are published
- The official FAQ lists each tier: Essential, 1 virtual card, $10/year, 2.1% top-up fee, annual spend limit $50,000; Premium, 1 virtual card plus 1 physical card, $58/year or $118 for three years, 1.8% top-up fee, limit $250,000; Whale, 2 virtual cards plus 1 physical card, $70/year or $148 for three years, 1.2% top-up fee, limit $1,000,000. [1]
- The wallet is self-custodial; the card balance is not held in it
- The official FAQ says the wallet is self-custodial, that users hold the authentication factors and can export the private key to MetaMask or Trust Wallet; it also states that the card balance is held by an independent issuer and is not in the user's wallet. The two layers of funds should be considered separately. [1]
- ATM cash withdrawal is available only on the higher tiers
- The official FAQ says the physical cards in the Premium and Whale tiers can withdraw cash at ATMs, with a limit of $1,500 per transaction and per day, 30 withdrawals per day and $15,000 per month; Essential is virtual only and cannot withdraw cash. [1]
- KYC is handled by a third party and cannot be skipped
- The issuer states that all cards require private KYC through Verinex, with XHYPE receiving only the verification result and no access to the underlying documents; availability is determined by residence and nationality, and the issuer also states that it strongly advises against topping up via mixers. The online claim that "xKard requires no KYC" does not match the current wording on the official website. [1]
- The 203 countries are where you can order, not where the card is accepted
- The issuer states that physical and virtual cards can be ordered in 203 countries and regions, and notes that availability depends on residence and nationality at the time of application. That is a different thing from "the card can be spent in 203 countries", and this site records them separately. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- The issuer does not publish this
- Issuer arrangement / BIN
- The issuer does not publish the issuing institution or BIN ownership; the card balance is held by an independent issuer. The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: The official FAQ says "All XHYPE cards, virtual and physical, work with Apple Pay and Google Pay".
- Google Pay
- ✅ Explicitly stated in official materials: The same official passage lists Google Pay; actual availability still depends on whether the wallet service is supported in the user's region.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: The issuer says nothing about AI subscriptions; the card can be used for online purchases, but whether a charge goes through depends on the merchant gateway, so the actual charge result is what counts.
Compatibility information for this card was verified on 2026-10-24 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Web XHYPE Superwallet (superwallet.xhype.io; app.xkard.io)
- Web Portal Support
- Web Portal / PWA Only — XHYPE Superwallet is a web app (superwallet.xhype.io), and the official site says "no download required"; app.xkard.io is also a web app that can be added to the home screen
- Apple App Store
- No iOS app (the official site says "web app, no download required")
- Google Play
- No Google Play App
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
Explicit GDPR Compliance
The XHYPE privacy policy is drafted under EU GDPR and Spain's LOPD-GDD (a Spanish-style template, undated, footer © 2025): data controller XHYPE FZCO (Dubai Silicon Oasis, registration number DSO-FZCO-30371); you may request access, correction, deletion, restriction of processing, objection, portability and withdrawal of consent by writing to 128 City Road, London or by email, with a copy of an identity document attached, and may complain to a data protection authority. The xkard.io terms say it operates a "zero data" model, and the official website says KYC is done by Verinex, with XHYPE receiving only the verification result; but the "Privacy Policy" link in the xkard.io footer actually points to a cookie policy (which uses analytics cookies such as Google Analytics)
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained as long as necessary for the purpose, or until the user requests deletion (no specific period stated)
- App Store Privacy Label
- —
- Google Play Data Safety
- —
- Account Deletion Flow
-
Under the privacy policy, request deletion by emailing info@xhype.io or by post (a copy of an identity document must be enclosed); no self-service deletion option was found
Verified on 2026-10-24. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Choose the tier by spend volume
The three tiers differ mainly in the top-up fee and the annual spend limit: 2.1%, 1.8%, 1.2%. At low annual spend, Essential's $10 annual fee plus 2.1% works out cheaper; at high spend, Whale's higher annual fee is offset by a top-up fee 0.9 percentage points lower. The test is expected annual top-up volume, not cashback. [1]
Self-custody and the card balance are two layers
The XHYPE wallet is self-custodial, but the card balance is held by an independent issuer. That means money topped up to the card is no longer controlled by the private key; reading "self-custodial wallet" as "the money on the card is self-custodial too" misjudges the risk. [1]
Frequently asked questions
What are xKard's fees?
Essential $10/year with a 2.1% top-up fee; Premium $58/year (three years $118) with 1.8%; Whale $70/year (three years $148) with 1.2%. The issuer does not publish a monthly fee or FX fee.
Does xKard require identity verification?
Yes. The issuer says all cards must complete private KYC through Verinex, and XHYPE only receives the verification result; online claims of "no identity verification" are out of date.
Does xKard support Apple Pay and Google Pay?
Yes. The official FAQ states that all XHYPE virtual and physical cards work with Apple Pay and Google Pay.
Is the xKard balance in a self-custodial wallet?
No. The wallet itself is self-custodial, but the card balance is held by an independent issuer and is not in the user's wallet.
In how many countries can you apply for xKard?
The issuer says physical and virtual cards can be ordered in 203 countries and regions, with actual availability determined by residence and nationality at the time of application.
xKard — Are ATM withdrawals available?
Only the physical cards in the Premium and Whale tiers can, with a limit of $1,500 per transaction and per day and $15,000 per month; Essential is virtual only and cannot withdraw cash.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of xKard on X; search results may change over time.
Recommended Active Alternative Cards
If xKard is region-restricted or does not meet your needs, compare these active alternatives:Supports two spending modes, Direct Pay and Borrow, tiered as Core, Luxe, Pinnacle and VIP. Comparisons should weigh borrowing liability, FX, limits and ETHFI reward crediting together.
Ethena Pay connects a self-custodial wallet to a secured Spend Card. Check the tiered AVAX cashback, the secured settlement, the network conversion fee and any applicable penalties separately; neither the official pricing page nor the FAQ mentions Apple Pay or Google Pay.
Plasma One’s website offers direct download and application links, with Lite, Core and Platinum plans. Approval still depends on KYC and regional eligibility. The official product page and international card terms describe the issuer differently; check your personal card agreement and the issuer printed on the card. The details below cover cashback, deposits, withdrawals and FX costs separately.