Our Official Verdict
Entry to Solana Spend: Zero Annual Fee + XP Farming
The standard Xplace card is the entry point to Solana-native liquidity. It offers a simple, Free way to spend your assets with 0.5% potential during the current rewards season.
Overview
Entry-level digital card for Solana users. Earn 0.5x XP rewards and enjoy instant non-custodial spending.
Fees & Charges
Annual Fee
Free
FX Fee
1%
ATM Fee
TBD
Requirements
Supported Regions
GLOBAL
Spendable Assets
USDC, SOL
Xplace Standard Card Review
The Xplace Standard Card is a self-custodial Visa debit crypto card designed to let Xplace users spend digital assets in everyday purchases.
The Digital Gateway to MultiversX Payments
The Xplace Standard Card is the zero-fee digital product for the x.place ecosystem. Designed for users who want to experience the power of non-custodial spending without the upfront cost of a membership club, the Standard tier provides an instant virtual card for mobile and online retail. It is the perfect starting point for those new to the MultiversX network.
Spending & Mechanics: Instant Digital Utility
- Network: Global Visa Acceptance.
- Asset support: Spend USDC and EGLD directly from your xPortal wallet.
- Just-in-Time: No manual top-ups. Your assets stay in your wallet until the moment of spend.
Fees Analysis: Low Barrier to Entry
- Annual Fee: $0. This is the only tier in the Xplace lineup with no yearly commitment.
- Transaction Fee: A flat 1% applies to every transaction, covering the cost of on-chain swaps.
- FX Fees: Standard 1% markup for foreign currency purchases.
XP Rewards: Starting the Accumulation
Even on the free tier, users earn 0.5x XP rewards for every transaction. These points contribute to your future standing in the Xplace ecosystem and help qualify you for potential MultiversX airdrops. It turns every daily purchase into a productive event for your digital portfolio.
Verdict
The Xplace Standard Card is an excellent choice for casual DeFi users. It provides the same high-security non-custodial architecture as the premium tiers but with zero maintenance costs. If you find yourself spending more than $1,000 a month, you should immediately consider upgrading to the Silver tier to double your XP yield.
Fees and break-even math
Annual fee: $0; FX fee: 1%; ATM fee: TBD. With a 1% FX fee, $10,000 in foreign spend costs about $100. All numeric fee and limit figures referenced above are sourced from the issuer documentation listed below. Source: Issuer card page.
Competitor comparison
Closest alternatives include the Crypto.com Obsidian Card and the Bybit Supreme Card. Compare custody model, rewards caps, and FX fees before choosing.
Eligibility and onboarding notes
Expect standard KYC checks and region-based eligibility for Xplace card issuance. Limits and availability can change with partner banks, so confirm supported countries and account tiers before applying. If you are outside the core coverage area, treat availability as TBD until the issuer confirms.
Points season and farming mechanism
Points season: Not formally labeled in issuer documentation as of 2026-01-22; treat the current program as TBD. Farming mechanism: No public spend-to-points ratio is disclosed. Assume rewards accumulation is program-based and can change without notice.
