Available across 160+ eligible countries and territories worldwide
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- 0 account monthly fee; borrow interest calculated via Kamino Finance real-time floating DeFi rates; POS transactions cleared at Visa spot rates.
- Debit / Deduction Model
- Solana on-chain non-custodial/decentralized collateralized card: collateral unlocks Visa credit while remaining on-chain to earn DeFi APY
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Requires verified identity (KYC). Supports passports and national IDs across 160+ supported countries and regions globally.
- Officially supported countries and regions
- Available across 160+ eligible countries and territories worldwide
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa Platinum (Virtual & physical cards, native Apple Pay and Google Pay)
- Issuer Arrangement / Payment Rails
- XPlace and licensed issuing partner (Solana PayFi network). The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- Native Apple Pay support for tap-to-pay on iOS devices.
- Overseas AI Subscriptions
- Supports international online billing, OpenAI ChatGPT Plus, and overseas SaaS subscriptions.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Up to 2% real-time USDC cashback on Credit spending; premium cardholders enjoy LoungeKey airport lounge passes and concierge services.
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.
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa Platinum
- Issuer arrangement / BIN
- XPlace and licensed issuing partner (Solana PayFi network). The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: native Apple Pay support for tap-to-pay on iOS devices.
- Google Pay
- ✅ Explicitly stated in official materials: supports Google Wallet, Android contactless tap-to-pay.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: supports international online billing, OpenAI ChatGPT Plus, and overseas SaaS subscriptions.
Compatibility information for this card was verified on 2026-10-15 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 161 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
- XPlace: Crypto Credit Card (Pontech GROUP L.L.C-FZ)
- Web Portal Support
- Mobile App Only — Registration (Email/Google/Apple ID), KYC, card issuance, and collateral borrowing are completed inside the mobile app; the x.place website provides marketing and docs, and app.x.place was unreachable as of 2026-10-15.
- Apple App Store
-
App Store Official Download ↗ Excludes Mainland China; Key markets missing: Vietnam, Nigeria
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
Explicit GDPR Compliance
XPlace Privacy Policy (updated 2026-05-20) entity is UAE Pontech Group L.L.C-FZ: based on UAE PDPL and GDPR, with dedicated sections for EEA, UK GDPR, and California CCPA; designates DataRep as EU/UK representative; provides rights of access, rectification, erasure, portability, objection, restriction of processing, consent withdrawal, and freedom from automated decision-making, with responses within 30 days and supervisory complaint rights; data breaches notified within 72 hours per GDPR/PDPL; KYC handled by Sumsub (including facial biometric data); California section specifies CA residents are ineligible; separate XPlace Card Privacy Policy (2025-10-25); card issued by Third National and managed by Signify Holdings (Rain).
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Account and identity data retained for 5 years after account closure; KYC/biometric data retained during account life plus 5 years; transaction records at least 5 years; usage analytics anonymized after 24 months; customer support records 3 years after ticket resolution; on-chain data cannot be deleted.
- App Store Privacy Label
- Used to track: Usage Data; Linked to you: 2 categories; Not linked to you: 2 categories
- Google Play Data Safety
- Shared: App info and performance; Declares no data collected; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
Section 18.2: Email legal@x.place to request account closure and complete the offboarding process (Credit mode balances must be repaid first); wallet is self-custodial; Google Play confirms deletion can be requested.
Verified on 2026-10-15. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
PayFi 2.0 Paradigm Shift
Unlike traditional cards requiring upfront token sales into fiat balances, XPlace bridges yield-bearing DeFi loans with Visa clearing to enable earning yields while spending. [1] [2]
Loan Health Factor Management
When using collateralized borrowing, monitor your loan health factor during sharp market dips to prevent automated on-chain liquidation. [1]
Frequently asked questions
How does XPlace Card achieve "Spend Without Selling"?
Users pledge SOL or tokens into Kamino contracts on Solana, which sets a credit line based on collateral value. Transactions are settled via the loan contract while collateral continues generating DeFi APY.
Can XPlace Card be used in physical brick-and-mortar stores?
Yes. Virtual cards can be added to Apple Pay or Google Pay for contactless tap-to-pay at any Visa POS terminal; premium physical cards are also offered.
📜 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 XPlace Card on X; search results may change over time.
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