# XPlace - Solana’s first true credit card **XPlace** is a next-generation **crypto financial super app** that brings together your money, memberships, and lifestyle β€” all powered by the blockchain.\ With XPlace, you can **spend**, **save**, **earn yield**, and **access credit** using your card β€” instantly, globally, and without giving up control of your assets. *** #### Core Features **πŸ’³ XPlace Card** * Works with **Apple Pay** and **Google Pay** * Virtual card issued instantly after KYC * Freeze, block, and manage directly from the app * All card data is encrypted β€” XPlace never stores your card details **🏦 Savings Hub** Put your crypto to work and earn daily yield. * Deposit Solana, utility tokens, or meme coins * Assets generate daily yield and act as **collateral** for your card * Receive **30%–70% Credit Power** depending on the asset * Non-custodial smart contracts ensure full ownership **πŸ’° Credit Hub** Borrow against your own assets without selling it. * Instantly access a **credit balance in USDC** * Spend your credit directly via the XPlace Card * Manage repayments flexibly at any time * Your collateral remains productive and secure in Savings Hub **⚑ XP & Membership** A loyalty system that rewards every action. * Earn XP for card usage, deposits, and referrals * XP directly affects your token rewards at the **XPlace Token Generation Event (TGE)** **πŸ’Ž Membership Benefits** Choose your tier to unlock premium financial and lifestyle perks. * Up to 2**% cashback** on card spending * **Higher yield rates** in Savings Hub * **Benefits access:** airport lounges, fast track, hotel discounts * **Platinum Concierge** for travel and lifestyle support **πŸ‘₯ Referral Program** Invite friends and grow together. * Earn XP and bonuses for each verified user you invite * Referral rewards grow with your Membership level (15%–25%) *** #### Non-Custodial by Design XPlace is **non-custodial**, meaning we never hold or control your funds.\ All balances and transactions are managed through **on-chain smart contracts** and **licensed payment partners**, ensuring transparency, security, and full ownership. Your crypto stays in your wallet. You decide how to use it β€” save, spend, or borrow. *** #### Why XPlace * **Full control:** Your crypto stays in your wallet * **Instant access:** Issue your card in minutes * **Smart yield:** Earn daily returns on your assets * **Credit freedom:** Borrow without selling your tokens * **Global use:** Pay anywhere with Apple Pay and Google Pay * **Premium lifestyle:** airport lounges, concierge, and exclusive offers * **Rewards:** XP, cashback, and future token airdrops --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.x.place/xplace-solanas-first-true-credit-card.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.