> 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/card/about-xplace-sard.md).

# About XPlace сard

### Overview

The XPlace Card lets you spend freely without touching your crypto. Your assets stay deposited in Kamino Finance smart contracts, earning yield and backing your credit line — while you spend via your card anywhere in the world.

No selling. No liquidating. No giving up your position.

***

### How It Works

When you deposit crypto into Collateral, your funds are deployed into Kamino Finance smart contracts on Solana. XPlace has no ability to move or access them — security is enforced at the protocol level.

Your card is connected to your Collateral balance and credit line. When you spend:

* **In Cash mode** — the transaction is settled from your available USDC balance
* **In Credit mode** — the transaction draws against your credit line, backed by your Collateral

No middlemen. No manual steps. Just tap and spend.

***

#### Key Principles

| Principle                   | Description                                                                |
| --------------------------- | -------------------------------------------------------------------------- |
| **Non-Custodial**           | You own and control your crypto — XPlace cannot move or access your funds. |
| **Smart Contract Security** | All balances and transactions are handled transparently on-chain.          |
| **Instant Payments**        | Spend your crypto in seconds via Apple Pay or Google Pay.                  |
| **Self-Managed Credit**     | Access liquidity through your own collateral, without selling your assets. |

***

#### Why It Matters

Traditional payment systems require trust in banks or custodians.\
With XPlace, **you don’t give up custody** — you simply connect your crypto assets to a global payment network.\
\
Your card becomes an extension of your digital wealth, allowing you to:

* Spend crypto globally
* Earn yield at the same time
* Access credit lines backed by your own assets


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