XPlace Card
by Pontech Group L.L.C-FZ
The XPlace Card is Solana's non-custodial Visa spend card (Cash Mode and Credit Mode). Credit Mode borrows against crypto collateral via Kamino so you can spend without selling assets. USDC cashback is paid in Credit Mode, up to 2% (homepage and Cashback docs; the older 20 May 2026 T&Cs table lists up to 4%), plus up to 10% XP. Membership tiers Basic–Platinum unlock higher limits and lifestyle perks.
Unique Features
- Solana-native execution
- Mirror Metal Card design
- XP Reward system for trading and spending
Pros
- True non-custodial spending on Solana
- No tax events on spend (Credit Mode borrow)
- High monthly limits (up to $750k Platinum)
- USDC cashback in Credit Mode (up to 2% per homepage) + up to 10% XP
- Luxury lifestyle perks (concierge, lounges on higher tiers)
Cons
- Paid annual membership Silver–Platinum ($99–$999)
- XPlace FX fee on lower tiers (1% Basic; 0% Platinum)
- Risk of collateral liquidation
- Issuer sources disagree on monthly limits and USDC cashback rates (homepage vs T&Cs)
- Physical card: 'Silver physical cards are live. Gold and Platinum coming soon' (homepage FAQ)
- Card issuing not available in 19 US states (issuer Prohibitions page)
Integrations & Tech
Available In (30)
Not Available In (17)
Tier Comparison
Basic
0.5% CashbackFee Structure
Detailed Fee Structure
Detailed Limits
Fee Details
Membership (USDC, T&Cs §6.1 + homepage/membership docs): Basic Free; Silver $99/y; Gold $249/y; Platinum $999/y. No origination fee (homepage). XPlace FX ladder (T&Cs §6.3): Basic 1%, Silver 0.5%, Gold 0.25%, Platinum 0%. About-card docs (https://docs.x.place/card/about-xplace-sard): 'Visa applies a standard 1% FX conversion fee, and XPlace applies an additional FX fee that depends on your membership tier'. Homepage says '0% FX on Platinum'; Card Terms International list Foreign Exchange Fee 0%. Sources conflict on the all-in FX cost.
Limits & Conditions
Monthly spend limits per T&Cs §6.1 (effective 20 May 2026, https://docs.x.place/legal/legal/xplace-terms-and-conditions), which OCC follows: Basic $2,000 / Silver $10,000 / Gold $50,000 / Platinum $750,000; per-transaction $1,000 / $3,000 / $10,000 / $25,000. Conflict: the homepage (https://x.place/, 29 Oct 2026) lists Silver $20,000 and Gold $200,000 per month (Basic $2,000, Platinum $750,000 match). Card issuing is not available in these US states (https://docs.x.place/legal/legal/prohibitions): Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Tennessee, Vermont, Washington, Wisconsin.
Crypto Capabilities
Security & Custody
Supported Assets
