> For the complete documentation index, see [llms.txt](https://docs.x.place/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.x.place/xplace-crypto-credit-card.md). # XPlace - Crypto Credit Card XPlace is designed for those who want their wealth to compound, not sitting idle. Deposit your crypto, earn yield, and access a credit line you can spend anywhere in the world. Without selling. Without triggering a taxable event. Without compromise. *** ### Core Features **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, we never stores your card details **Collateral** * Deposit SOL, BTC, ETH, USDT and other supported assets * Assets generate daily yield and act as collateral for your credit line * Receive up to 80% Loan-to-Value depending on the asset * Powered by Kamino Finance, the leading decentralised lending protocol on Solana blockchain **Credit** * Instantly borrow USDC against your Collateral * Spend in Credit mode without selling assets * No fixed repayment schedule — repay any time * Industry-leading borrow rates, while your assets keep earning yield **XPoints** * Earn XP for card usage, deposits, and referrals * XP directly affects your rewards pool allocation **Memberships** * Up to 2% cashback on card spending * Lower borrow interest rates * Lower bank transfer fees * Higher spending limits * Airport lounges, fast track, and hotel discounts * Personal concierge **Referral Program** Invite friends and grow your wealth together. * Earn up to $250 per referral, depending on their membership tier * Get 1% cashback from their transactions *** #### Non-Custodial by Design XPlace is non-custodial — 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 ownership. Put your crypto to work. Earn, borrow, and spend — all at once. *** #### Why XPlace * **Earn while you spend** — No selling, no taxable events * **Non-custodial** — Your crypto is secured by a non-custodial wallet; we never have access to your funds * **High yield and credit** — Up to 12% APY and a $750K credit line, no credit checks needed * **Global spending** — Apple Pay and Google Pay, accepted worldwide * **Premium perks** — Lounges, concierge, high cashback, and exclusive events --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## 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-crypto-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.