How to use card
Overview
Your XPlace Card lets you spend your crypto anywhere Visa is accepted. You can use it in Credit Mode or just depost your USDC on card smart contract, connect it to Apple Pay or Google Pay, and manage everything directly in the XPlace app.
Card Modes
Credit Mode
In Credit Mode, payments are made using your available Credit Balance from the Credit Hub.
You can spend up to your current Credit Power limit — backed by your collateral in the Savings Hub.
The credit balance is in USDC, and you can repay it anytime.
Depost Mode
In Depost Mode, payments are made from your own wallet balance.
Simply top up your card with USDC or USDT and use it for purchases, subscriptions, or transfers.
Funds are deducted directly from your XPlace Portfolio balance.
You can switch between Credit Mode and Depost Mode at any time in the app.
Card Controls
From the Card screen in the XPlace app, you can:
Add your card to Apple Pay or Google Pay for contactless payments
Freeze or unfreeze your card instantly if needed
Block the card permanently if it’s lost or compromised
Update your PIN for additional security
Transaction History
All your card transactions are visible in the Transaction history section. You can:
View detailed payment history (amount, merchant, date, mode)
Download or share payment receipts directly from the app
Security
XPlace does not store or access your full card data.
All sensitive card details are encrypted and tokenized by the issuing network.
You can safely manage your card without exposing private payment information.
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