XPlace Card
by Pontech Group L.L.C-FZ
The XPlace Card is Solana's first true non-custodial credit card, designed for high-net-worth individuals and crypto-natives. It allows users to spend the value of their portfolio via secured credit without selling assets, offering up to 2% USDC cashback and 10% XP rewards. It creates a collateralized debt position (CDP) against the user's crypto assets (primarily SOL and USDC), allowing spending without triggering taxable sales. High-tier perks (Platinum) include a 'Mirror Metal' card and luxury concierge services.
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 (borrow mode)
- High monthly limits ($750k for Platinum)
- High cashback (2% USDC + 10% XP)
- Luxury lifestyle perks (Concierge, Lounges)
Cons
- High annual fees for top tiers ($1k-$5k)
- 1% FX Fee (not 0% like many premium travel cards)
- Risk of collateral liquidation
Integrations & Tech
Available In (28)
Not Available In (30)
Tier Comparison
Basic
0.5% CashbackFee Structure
Detailed Fee Structure
Detailed Limits
Fee Details
1% FX fee explicitly stated in marketing. 2.5% origination fee applies to the crypto-backed loans generated by spending. Annual membership fees apply to Silver ($200), Gold ($1,000), and Platinum ($5,000) tiers.
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
