XPlace: Crypto Credit Card

Pontech L.L.C

About this app

Crypto card for global spending with Credit Mode, cashback and variable yield opportunities on eligible collateral – without automatically selling your assets.

XPlace combines a crypto card with on-chain borrowing. Use eligible assets as collateral in Credit Mode, pay anywhere Visa is accepted and receive cashback in USDC on eligible spending. Your collateral may continue generating variable yield through integrated DeFi protocols.

Join thousands of users using XPlace to manage their assets and spend crypto in everyday life.

◆ CRYPTO CARD FOR EVERYDAY SPENDING

Use your XPlace Card wherever Visa is accepted. Spend globally, manage your card in the app and receive cashback on eligible transactions.

◆ SPEND WITHOUT SELLING

Use eligible crypto assets as collateral and access spending power through Credit Mode without automatically selling your holdings.

On-chain borrowing against eligible collateral
Variable APR based on your membership tier and applicable terms
Spending limits based on your membership tier and account eligibility

◆ FLEXIBLE CREDIT MODE

Access liquidity against eligible collateral when you need it. Borrow, repay and reuse available borrowing capacity, subject to collateral requirements, market conditions and protocol parameters.

◆ VARIABLE YIELD ON ELIGIBLE COLLATERAL

Eligible collateral may generate variable yield through integrated on-chain DeFi protocols while being used in Credit Mode.

Variable, non-guaranteed yield
Rates depend on market conditions and the relevant protocol
DeFi and smart-contract risks apply

◆ UP TO 4% CASHBACK IN USDC

Receive up to 4% cashback in USDC on eligible Credit Mode spending, depending on your membership tier. Monthly caps and program terms apply.

◆ KEEP YOUR MARKET EXPOSURE

Access liquidity without automatically selling your assets. Your collateral remains subject to market movements, borrowing costs and liquidation risk.

◆ SUPPORTED TRANSFERS

Send and receive funds through supported payment networks where available. Availability, fees, limits and processing times may vary by region and provider.

◆ TRAVEL AND PREMIUM BENEFITS

Depending on your membership tier, access benefits such as reduced FX fees. Platinum members can also receive airport lounge access and 24/7 concierge services, subject to applicable terms and availability.

◆ NON-CUSTODIAL INFRASTRUCTURE

The XPlace protocol is non-custodial and built on blockchain infrastructure.

Manage supported assets through the XPlace app
Security and authentication features
Freeze and manage your card directly in the app

XPlace brings together global card spending, Credit Mode, membership rewards and variable yield opportunities in one app.

Download XPlace and discover a smarter way to use your crypto in everyday life.

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APR and yield rates are variable and not guaranteed. Actual rates depend on market conditions, membership tier, eligible assets and applicable protocol parameters. Borrowing involves risks, including liquidation risk. Yield opportunities involve DeFi and smart-contract risks. Cashback is available on eligible Credit Mode transactions, varies by membership tier and is subject to monthly caps and program terms. The XPlace Card is not affiliated with the XPlace protocol and is subject to separate terms provided by the issuer. Transfers are available through supported payment networks; availability, fees, exchange rates, fair-use limits and terms apply.

Ratings and reviews

OK communication was interesting usdt only used. Nzd not recognised. I'll uninstall the app, not useful. Thank you very much

hopefully this relationship will last longer than previous entitites that were compromised by "hacking". The cash flow from crypto to reality is rewarding in multiples.

still navigating but so far i like it

What’s new

Fixes and features