> 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/how-to-use-card.md). # How to use card ### Overview Your XPlace Card lets you spend anywhere Visa is accepted. Use it in Credit mode — backed by your Collateral or deposit USDC directly onto your card balance. Connect to Apple Pay or Google Pay and manage everything from the XPlace app. *** ### Card Modes #### Credit Mode Payments are made against your available credit line, backed by your collateral in Active Assets. Spend up to your Credit Power limit in USDC and repay any time — no fixed schedule. #### Cash Mode Payments are made from your own deposited balance. Top up your card with USDC and use it for purchases, subscriptions, or transfers. Funds are deducted directly from your balance. You can switch between Credit and Cash mode at any time in the app. *** ### Card Controls From the Card screen you can: * Add your card to Apple Pay or Google Pay * Freeze or unfreeze your card instantly * Block the card permanently if lost or compromised * Update your PIN * Set up daily, weekly and monthly spending limits *** ### Transaction History All card transactions are visible in Transaction History: * View payment details — amount, merchant, date, and mode * Download or share receipts directly from the app *** ### Security * XPlace does not store or access your full card details * All sensitive card data is encrypted and tokenised by the issuing network * Your card can be frozen or blocked instantly from the app --- # 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/card/how-to-use-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.