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Image source Source x.place Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only.

by XPlace

XPlace Card

Requires KYC Virtual Physical

checked 29 Oct 2026 Source and check Checked29 Oct 2026 Verified28 Oct 2026 Updated29 Oct 2026 “checked” is the last time the source was found unchanged; “verified” is the last time the value was read from the source. “updated” is the last real value change. What does [s] mean? Something missing? Alerts

Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on
Score average of 100

How it is made up ↓Methodology →

To XPlace

Basicsxplace-card

Card form
credit 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
virtual, physical 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 network
Visa 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?
Custody
self-custody 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 model
credit line 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 currencies
unknown
Usage
unknown
Limits depend on
plan Source and check Source x.place Wording at the source Basic Annual fee Free Monthly limit $2,000 Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Cards per account
unknown
Mobile wallets
Apple Pay Google Pay 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 withdrawals
unknown
Contactless
Yes 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?

Fees and variants

Attribute Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Basic 0.00 USD /year Source and check Source x.place Wording at the source Basic Free $2K 0,5% 1% Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Silver 99.00 USD /year Source and check Source x.place Wording at the source Silver $99/y $10K 1% 0,5% Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Gold 249.00 USD /year Source and check Source x.place Wording at the source Gold $249/y $200K 1,5% 0,25% Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Platinum 999.00 USD /year Source and check Source x.place Wording at the source Platinum $999/y $750K 2% 0% Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card
Card types virtual, physical 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?
Fees
Virtual card issuance unknown
Physical card issuance unknown
Shipping unknown
Monthly fee unknown
Top-up fee unknown
Crypto deposit fee unknown
Crypto conversion fee unknown
Minimum conversion unknown
Foreign currency fee 1 % Source and check Source x.place Wording at the source Basic Free $2K 0,5% 1% Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? 0.5 % Source and check Source x.place Wording at the source Silver $99/y $10K 1% 0,5% Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? 0.25 % Source and check Source x.place Wording at the source Gold $249/y $200K 1,5% 0,25% Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? 0 % Source and check Source x.place Wording at the source Platinum $999/y $750K 2% 0% Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Minimum FX fee unknown
ATM fee unknown
Merchant-specific fee unknown
Declined payment fee unknown
Refund fee unknown
Inactivity fee unknown
Minimum monthly spend unknown
Inactivity rule unknown
Card replacement unknown
Plan waivers unknown
Cashback & rewards
Cashback 0.5 % Source and check Source x.place Wording at the source Basic Credit Mode cashback 0,5% Monthly cashback limit $10 Silver Credit Mode cashback 1% Monthly cashback limit $40 Gold Credit Mode cashback 1.5% Monthly cashback limit $100 Platinum... Checked Verified Value wrong? History What does [s] mean? cap 10.00 USD/month in USDC 1 % Source and check Source x.place Wording at the source Basic Credit Mode cashback 0,5% Monthly cashback limit $10 Silver Credit Mode cashback 1% Monthly cashback limit $40 Gold Credit Mode cashback 1.5% Monthly cashback limit $100 Platinum... Checked Verified Value wrong? History What does [s] mean? cap 40.00 USD/month in USDC 1.5 % Source and check Source x.place Wording at the source Basic Credit Mode cashback 0,5% Monthly cashback limit $10 Silver Credit Mode cashback 1% Monthly cashback limit $40 Gold Credit Mode cashback 1.5% Monthly cashback limit $100 Platinum... Checked Verified Value wrong? History What does [s] mean? cap 100.00 USD/month in USDC 2 % Source and check Source x.place Wording at the source Basic Credit Mode cashback 0,5% Monthly cashback limit $10 Silver Credit Mode cashback 1% Monthly cashback limit $40 Gold Credit Mode cashback 1.5% Monthly cashback limit $100 Platinum... Checked Verified Value wrong? History What does [s] mean? cap 250.00 USD/month in USDC
Limits
Spending per day only in the app Source and check Source x.place Wording at the source From $2K/month on Basic up to $750K/month on Platinum. Per-transaction and daily limits are shown in the app. Checked Verified Add this value? No earlier versions What does [s] mean? all variants
Spending per month 2,000 USD Source and check Source x.place Wording at the source Basic Free $2K 0,5% 1% Checked Verified Value wrong? No earlier versions What does [s] mean? ↑ from Silver: 10,000 USD 10,000 USD Two sources, two values Shown10,000 USD x.placechecked 28 Oct 2026 Silver $99/y $10K 1% 0,5% Differingvalue not recorded Our verifier confirmed the shown value; the differing source is being checked. Value wrong? No earlier versions What does [s] mean? ↑ from Gold: 200,000 USD 200,000 USD Source and check Source x.place Wording at the source Gold $249/y $200K 1,5% 0,25% Checked Verified Value wrong? No earlier versions What does [s] mean? ↑ from Platinum: 750,000 USD 750,000 USD Source and check Source x.place Wording at the source Platinum $999/y $750K 2% 0% Checked Verified Value wrong? No earlier versions What does [s] mean?
Single payment per transaction only in the app Source and check Source x.place Wording at the source From $2K/month on Basic up to $750K/month on Platinum. Per-transaction and daily limits are shown in the app. Checked Verified Add this value? No earlier versions What does [s] mean? all variants

Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of

KYC and limits

  1. ID + proof of address

    ID and a recent proof of address

    1. Tier 1 at XPlace

      Source and check Source x.place Wording at the source | Identity & Registration Data | Full legal name, date of birth, email address, username | Account creation, authentication | | KYC / Identity Verification Data | Government-issued ID (passport, natio... Checked Verified Value wrong? No earlier versions What does [s] mean?

      Requires: E-mail, Name and date of birth, ID document, Selfie / liveness, Proof of address

The limits are listed per variant in the table variants and fees

Values for the entry account tier Basic; ↑ shows a higher limit from a higher account tier.

Account tiers (VIP, loyalty)

Account tiers change limits or perks, not the documents.

KYC: ID + proof of address Identity verification is required from the first level.

When is KYC needed?

No triggers published.

What do you have to show? Open the KYC finder

Availability

AttributeValue
Available in unknown
Residency requirement unknown

Key countries

  • Germany unknown
  • Austria unknown
  • Switzerland unknown
  • United States unknown
  • United Kingdom unknown
  • France unknown
  • Spain unknown
  • Italy unknown
  • Netherlands unknown
  • Türkiye unknown
  • Brazil unknown
  • Nigeria unknown
  • India unknown
  • United Arab Emirates unknown
  • Singapore unknown

✓ available · ✗ not available · ? not known from the sources

Crypto

AttributeValue
Supported assets BTC, ETH, USDT, USDC, SOL 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 assets unknown
Top-up networks Solana 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?
Spending order User-selected Cash Mode spends the topped-up card balance; Credit Mode borrows against tokenized equities, BTC, ETH, SOL or stablecoins at payment. Source and check Source x.place Wording at the source Cash Mode spends the balance you've topped up onto the card. Credit Mode borrows against your tokenized equities, BTC, ETH, SOL or stablecoins when you pay, so they stay invested. Switch any time. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fiat top-up unknown

Bonuses and promotions

What XPlace offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.

No referral bonus, welcome bonus or promotion documented yet.

Trust

AttributeValue
Issuer / BIN sponsor Third National 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?
Program manager Signify Holdings, Inc. 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?
Headquarters Available in: United Arab Emirates Source and check Source x.place Wording at the source © 2026 Pontech Group L.L.C-FZ, operating as XPlace, registered in the Meydan Free Zone, Dubai, UAE (Licence No. 2527237.01). Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Support channels unknown

Issuer

Third National (United States) 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 Registered name: Nimbus LLC Source and check Source legal.raincards.xyz Wording at the source Third National services: Nimbus LLC, doing business as Third National and Third National LLC, is a licensed lender, money transmitter and Visa-authorized card issuer that provides card issuance, payme... Checked Verified Issues 18 card programmes in our catalogue

Company

Registered name Pontech Group L.L.C-FZ Source and check Source x.place Wording at the source © 2026 Pontech Group L.L.C-FZ, operating as XPlace, registered in the Meydan Free Zone, Dubai, UAE (Licence No Checked Verified

Transparency

Transparency 100 %

0 of 11 key values not published

  • Imprint / company details: yes
  • Public fee schedule: yes
  • Cardholder agreement: yes
  • Terms and conditions: yes
  • Terms with version or date: unknown

Sources last checked 2026-10-29

Licences

No licences captured yet.

What users report

No community reports evaluated yet.

How the score is made up

56.85 of 100 · average

Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.

The score uses the entry variant Basic; sorting stays with it. With another variant: Silver 52.94 · Gold 47.85 · Platinum 49.08

Methodology and weights
  1. CostsWeight 25 %
    83/100
    20.8 of 25 points

    monthly/annual fee, top-up, FX and ATM fees

  2. KYC and privacyWeight 20 %
    18/100
    3.5 of 20 points

    KYC class needed, KYC-free allowance

  3. FeaturesWeight 15 %
    73/100
    11.0 of 15 points

    wallets, physical card, ATM, assets, chains

  4. AvailabilityWeight 10 %
    –
    not scored counts neutral (5.0)

    number of countries, EU/US/UK

  5. RewardsWeight 10 %
    30/100
    3.0 of 10 points

    cashback considering caps and staking requirements

  6. TrustWeight 10 %
    85/100
    8.5 of 10 points

    licences, incidents, company and card age, issuer, ownership, security, transparency

    Trust in detail
    • LicencesWeight 15 % not scored
    • Company age (up to 5 years)Weight 10 % not scored
    • Card on the market (up to 3 years)Weight 10 % not scored
    • IssuerWeight 15 % 60
    • OwnershipWeight 10 % not scored
    • Security evidenceWeight 15 % not scored
    • TransparencyWeight 10 % 100
    • Incidents (12 months)Weight 15 % 100
  7. CommunityWeight 10 %
    –
    not scored counts with the median (5.0)

    ratings and reports, damped, neutral with too little data

Early warning

Alerts for this card

We tell you what changes at XPlace Card and XPlace, with evidence for every alert.

What do you want to receive?

You will first get a mail with a confirmation link.

Changelog

  • Changes to licences.

  • Score changed from 48.67 to 49.08.

  • Company name changed from Pontech Group L.L.C-FZ to XPlace.

  • Score changed from 48.67 to 49.92.

  • Score changed from 45.58 to 49.92.

  • Score changed from 44.58 to 45.58.

  • Changes to KYC levels and requirements.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • Score changed from 46 to 44.58.

  • Changes to reward programmes.

  • Changes to limits.

  • Changes to KYC levels and requirements.

  • Score changed from 52.5 to 46.

  • Changes to limits.

  • Changes to KYC levels and requirements.

Apply for XPlace Card directly with the provider.

All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.

Report an error To XPlace