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. Cashback is up to 4% USDC in Credit Mode (Platinum) plus up to 10% XP; Cash Mode tops out at 2% USDC. 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)
- Up to 4% USDC cashback (Credit) + 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 some mid-tier monthly limits
Integrations & Tech
Available In (28)
Not Available In (30)
Tier Comparison
Basic
1% 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%. Card Terms International still list Foreign Exchange Fee 0% — tier ladder used for OCC tiers. About-card notes Visa may also apply a network FX conversion; do not invent an all-in stack.
Limits & Conditions
Monthly spend limits scale by tier: Basic ($2,000), Silver ($20,000), Gold ($100,000), Platinum ($750,000). Transaction limits scale similarly.
Crypto Capabilities
Security & Custody
Supported Assets
