Comparison
Brahma Spend Card vs. XPlace Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Brahma Spend CardBrahma
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
XPlace CardXPlace
In short
- Fewest documents: Brahma Spend Card (ID document).
- XPlace Card has the best score (61.51).
| Attribute |
Brahma Spend CardBrahma
|
XPlace CardXPlace
|
|---|---|---|
| Overview | Requires KYC Private & business Virtual | Requires KYC Private Virtual Physical |
| Score | weak | average with variant Silver: 57.6 with variant Gold: 52.51 with variant Platinum: 53.74 |
| CostsWeight 25 % | 0 | 83 |
| KYC and privacyWeight 20 % | 35 | 18 |
| FeaturesWeight 15 % | 67 | 73 |
| AvailabilityWeight 10 % | 96 | 97 |
| RewardsWeight 10 % | not scored | 30 |
| TrustWeight 10 % | 81 | 85 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: ID document | KYC: ID + proof of address |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame for all |
credit
docs.brahma.fi checked 29 Oct 2026
Source and check
Source
docs.brahma.fi
Wording at the source
Swype.fun is a DeFi-native credit card, powered by Brahma Cards, that lets you access credit against your crypto in real-time.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
credit
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
Cash Mode for direct spending. Credit Mode borrows against your holdings – credit opens automatically the moment you tap.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card types (differs)same for all |
virtual
docs.brahma.fi checked 29 Oct 2026
Source and check
Source
docs.brahma.fi
Wording at the source
Yes. You'll complete a one-time KYC process through SumSub to get your virtual card issued.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual, physical
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
Virtual card: minutes after sign-up. Physical card: 7–14 business days depending on the region. Silver physical cards are live. Gold and Platinum coming soon.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card networksame for all |
Visa
docs.brahma.fi checked 29 Oct 2026
Source and check
Source
docs.brahma.fi
Wording at the source
Issuer: The card program is issued by the Issuer under license from Visa.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Visa
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
Borrow against your assets. Spend anywhere Visa is accepted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Custodysame for all |
self-custody
docs.brahma.fi checked 29 Oct 2026
Source and check
Source
docs.brahma.fi
Wording at the source
We never deposit your funds. The Brahma Infrastructure only takes approval on underlying DeFi protocols and has no withdrawal rights on your collateral. You maintain full custody of your assets at all...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
self-custody
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
No. Your funds sit in your self-custodial wallet. Yield assets are deployed into audited DeFi protocols (Kamino Finance), where you remain the on-chain owner. XPlace cannot freeze, seize, or move your...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
credit line
docs.brahma.fi checked 29 Oct 2026
Source and check
Source
docs.brahma.fi
Wording at the source
When you swipe, Brahma Infrastructure instantly connects to the lending protocol, borrows USDC, and pays the merchant in real-time. The entire process happens within seconds.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
credit line
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
Cash Mode for direct spending. Credit Mode borrows against your holdings – credit opens automatically the moment you tap.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Card currenciessame for all |
USD
docs.brahma.fi checked 29 Oct 2026
Source and check
Source
docs.brahma.fi
Wording at the source
the credit card association will convert any transaction in foreign currency into U.S. dollars using an exchange rate for the applicable central processing dateChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USD
docs.x.place checked 30 Oct 2026
Source and check
Source
docs.x.place
Wording at the source
If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Usage (differs)same for all |
personal, business
docs.brahma.fi checked 29 Oct 2026
Source and check
Source
docs.brahma.fi
Wording at the source
This Policy applies to all BrahmaFi users, including consumer and corporate cardholders, and covers all transactions processed through our platform.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
personal
docs.x.place checked 30 Oct 2026
Source and check
Source
docs.x.place
Wording at the source
You will use the XPlace Card for personal, family, or household use.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all |
Third National
docs.brahma.fi checked 29 Oct 2026
Source and check
Source
docs.brahma.fi
Wording at the source
The issuer for this card program is Third National.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Third National
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
The XPlace Visa card is issued by Third National under a programme managed by Signify Holdings, Inc.; fiat services are provided by regulated third-party partners; borrowing is executed by the Kamino...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Limits depend on (differs)same for all |
user setting
docs.brahma.fi checked 29 Oct 2026
Source and check
Source
docs.brahma.fi
Wording at the source
You can currently set daily spending limits through the Swype interface. The system enforces these limits in real-time before approving transactions.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
plan
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
Basic Annual fee Free Monthly limit $2,000Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Cards per accountsame for all | unknown | |
| Unknown for all | Cards per account | |
| Availability | ||
| Available insame for all | unknown |
Not available in 17 countries and regions
docs.x.place checked 30 Oct 2026
Source and check
Source
docs.x.place
Wording at the source
XPlace accounts are not available in the following countries (this list may be updated at any time): 1. Belarus 2. China (Mainland) 3. Cuba 4. India 5. Iran 6. Iraq 7. Israel 8. Myanmar 9. Nepal 10....Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
| Crypto | ||
| Supported assets (differs)same for all |
USDC, USDT0
docs.brahma.fi checked 29 Oct 2026
Source and check
Source
docs.brahma.fi
Wording at the source
When you swipe, Brahma Infrastructure instantly connects to the lending protocol, borrows USDC, and pays the merchant in real-time. The entire process happens within seconds. ## Your Position ####...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
BTC, ETH, USDT, USDC, SOL
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
XPlace runs on Solana. Supported assets: BTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT, and xStocks (tokenized equities).Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | |
| Top-up networks (differs)same for all |
Ethereum, Polygon, Arbitrum, Optimism
docs.brahma.fi checked 29 Oct 2026
Two sources, two values
ShownEthereum, Polygon, Arbitrum, Optimism
docs.brahma.fichecked 29 Oct 2026
"Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks which may be added at the sole discretion of Issuer.Differingvalue not recorded docs.brahma.fifetched 29 Oct 2026 The shown value comes from the more binding source (terms and fee schedules rank above help pages, product pages and app stores). Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
Solana
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
XPlace runs on Solana. Supported assets: BTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT, and xStocks (tokenized equities).Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Fiat top-upsame for all | unknown | |
| Unknown for all | Number of supported assets · Fiat top-up | |
| Payments | ||
| Mobile walletssame for all |
Apple Pay
Google Pay
brahma.fi checked 29 Oct 2026
Source and check
Source
brahma.fi
Wording at the source
Apple Pay and Google Pay compatibleChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
Anywhere Visa is accepted – online, offline. Apple Pay and Google Pay native.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all | unknown | |
| Contactlesssame for all |
Yes
docs.brahma.fi checked 29 Oct 2026
Source and check
Source
docs.brahma.fi
Wording at the source
Each time you tap your card for a payment, Brahma Infrastructure automatically connects it to onchain positions and lets you spend against your crypto in real time, either borrowing against your colla...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
Tap on your terms 03 Cash Mode for direct spending. Credit Mode borrows against your holdings – credit opens automatically the moment you tap.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Unknown for all | ATM withdrawals | |
| Fees | ||
| Virtual card issuancesame for all |
not published
docs.brahma.fi checked 29 Oct 2026
Source and check
Source
docs.brahma.fi
Wording at the source
We will disclose any Fees to you when you are approved for a BrahmaFi Ltd. Card through your BrahmaFi Ltd. Account, by updating these Card Terms, or through our website. We may update, add, or change...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Physical card issuancesame for all |
not applicable
docs.brahma.fi checked 29 Oct 2026
Source and check
Source
docs.brahma.fi
Wording at the source
Yes. You'll complete a one-time KYC process through SumSub to get your virtual card issued.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Free cardssame for all | unknown | |
| Shippingsame for all |
not applicable
docs.brahma.fi checked 29 Oct 2026
Source and check
Source
docs.brahma.fi
Wording at the source
Only after you review and approve the card policies (protocol, collateral and amounts) will your virtual card be generated.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Monthly feesame for all |
not published
docs.brahma.fi checked 29 Oct 2026
Source and check
Source
docs.brahma.fi
Wording at the source
We will disclose any Fees to you when you are approved for a BrahmaFi Ltd. Card through your BrahmaFi Ltd. Account, by updating these Card Terms, or through our website. We may update, add, or change...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Annual feesame for all |
Standard:
unknown
2 more countries/regionsrest of world: not published docs.brahma.fi checked 29 Oct 2026 Source and check Source docs.brahma.fi Wording at the sourceWe will disclose any Fees to you when you are approved for a BrahmaFi Ltd. Card through your BrahmaFi Ltd. Account, by updating these Card Terms, or through our website. We may update, add, or change...Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? United States: 0.00 USD docs.brahma.fi checked 29 Oct 2026 Source and check Source docs.brahma.fi Wording at the source Annual Fees NoneChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
Basic Free $2K 0,5% 1%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
99.00 USD
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
Silver $99/y $10K 1% 0,5%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
249.00 USD
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
Gold $249/y $200K 1,5% 0,25%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
999.00 USD
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
Platinum $999/y $750K 2% 0%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Top-up feesame for all | unknown | |
| Crypto deposit feesame for all | unknown | |
| Crypto conversion feesame for all | unknown | |
| Foreign currency feesame for all |
Standard:
unknown
1 more country/regionUnited States: 1 % docs.brahma.fi checked 29 Oct 2026 Source and check Source docs.brahma.fi Wording at the sourceTransaction Fees - Balance Transfer - Cash Advance - International Transaction N/A None 1% of each transaction in U.S. dollars.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
1 %
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
Basic Free $2K 0,5% 1%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
0.5 %
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
Silver $99/y $10K 1% 0,5%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
0.25 %
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
Gold $249/y $200K 1,5% 0,25%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
0 %
x.place checked 29 Oct 2026
Source and check
Source
x.place
Wording at the source
Platinum $999/y $750K 2% 0%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM feesame for all |
Standard:
unknown
1 more country/regionUnited States: free docs.brahma.fi checked 29 Oct 2026 Source and check Source docs.brahma.fi Wording at the sourceTransaction Fees - Balance Transfer - Cash Advance - International Transaction N/A None 1% of each transaction in U.S. dollars.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Transaction feesame for all | unknown | |
| Cross-border feesame for all | unknown | |
| Withdrawal feesame for all | unknown | |
| Activation feesame for all | unknown | |
| Minimum top-upsame for all | unknown | |
| Declined payment feesame for all | unknown | |
| Refund feesame for all | unknown | |
| Inactivity feesame for all | unknown | |
| Minimum monthly spendsame for all | unknown | |
| Inactivity rulesame for all | unknown | |
| Card replacementsame for all | unknown | |
| Unknown for all | Free cards · Top-up fee · Crypto deposit fee · Crypto conversion fee · FX free allowance · Minimum FX fee · Transaction fee · Cross-border fee · Withdrawal fee · Activation fee · Minimum top-up · Declined payment fee · Refund fee · Inactivity fee · Minimum monthly spend · Inactivity rule · Card replacement | |
| Rewards | ||
| Cashbacksame for all | unknown | |
| Referral bonus (invited friend)same for all | unknown | |
| Referral bonus (you)same for all | unknown | |
| Welcome bonussame for all | unknown | |
| Unknown for all | Referral bonus (invited friend) · Referral bonus (you) · Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Brahma Spend Card · XPlace Card: promotions and bonuses as well as warnings and incidents.