by Pontech Group L.L.C-FZ · Global (Solana ecosystem)
Solana's first non-custodial credit card for high-net-worth individuals. Spend the value of your portfolio via secured credit without selling assets. Creates a collateralized debt position (CDP) against SOL and USDC. Platinum tier includes Mirror Metal card and luxury concierge.
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Reward summary
Up to Up to 2%, usdc cashback + 10% xp rewards, paid in USDC, XP tokens. No staking required for the base rate.
PLANS & TIERS
Compare the plans
This card has 3 plans. Select one to see its rate, fees and perks.
Silver
Requirement: $200 annual membership fee
0.5% USDC + 5% XP tokens
Cashback
PRICE
$200/year
ATM FEE
Varies
FX FEE
1%
WHAT'S INCLUDED
✓0.5% USDC cashback + 5% XP tokens
✓Non-custodial Visa card (Solana)
✓SOL and USDC collateral support
✓Complimentary Superteam membership
✓Collateralized credit — no asset selling
Plan
Silver
Gold
Platinum
Cashback
0.5% USDC + 5% XP tokens
1% USDC + 7% XP tokens
2% USDC + 10% XP tokens
Price
$200/year
$999/year
$5,000/year
ATM fee
Varies
Varies
Varies
FX fee
1%
1%
1%
Requirement
$200 annual membership fee
$999 annual membership fee
$5,000 annual membership fee
COSTS
Fees you'll actually meet
Annual fee
Cost to hold the card each year
$200-$5,000/year by tier
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
1%
ATM withdrawal
Cash withdrawal cost
Varies by tier
Crypto conversion
When spending crypto directly
2.5% origination fee on borrowed credit
Issuance fee
One-off cost to get the card
Free
ℹ️ USDC cashback + 10% XP rewards
VERDICT
Strengths and trade-offs
WORKS FOR YOU IF
✓Non-custodial
✓Spend without selling crypto
✓Up to 2% USDC cashback + XP rewards
✓High spending limits
✓Global availability
LOOK ELSEWHERE IF
!Annual fee $200-$5,000 by tier
!1% FX fee
!2.5% origination fee on loans
!No Apple Pay or Google Pay
!High-net-worth focus
STANDOUT FEATURES
What sets it apart
✦First non-custodial credit card on Solana
✦Collateralized debt position — no asset selling
✦Luxury concierge on Platinum tier
✦Mirror Metal card
✓ iOS app✓ Android app✓ Self-custody✓ No staking
ABOUT THIS CARD
Common questions
Where can I use the XPlace Card?
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Does the XPlace Card have an annual fee?
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Do I need to stake anything to earn rewards?
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How much can I earn with the XPlace Card?
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Is this a self-custody card?
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Figures on this page come from Pontech Group L.L.C-FZ's published card terms. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
