by Xhype
The xKard is a Visa debit card with a $10-$70/yr by plan ($118-$148 for 3 years) fee, available in Global (excl. US + sanctioned).
xKard (by XHYPE FZCO, UAE), now marketed on xkard.io as XHYPE cards, is a prepaid crypto card sold on annual plans with virtual and physical options, funded with USDT, USDC or native coins on five EVM networks, with private KYC via Verinex and Apple Pay and Google Pay support.
The xKard is a crypto debit card offered by Xhype, available in Global (excl. US + sanctioned). The annual fee starts at $10-$70/yr by plan ($118-$148 for 3 years). It runs on the Visa network and requires standard identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | Travel points only, not cashback |
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On $500/mo spend, the estimated monthly cost breakdown for xKard is: gas $0.00, conversion spread $7.50, flat transaction fees $0.00, and amortised card/tier fee $0.83, for a total drag of 1.7% of spend. After $0.00/mo cashback that is still a net cost of about $8.33/mo ($99.96/yr). xKard tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: PLANS REPRICED (2026-10-16): xkard.io now sells XHYPE cards on annual plans. Essential: 1 virtual card, $10/year, 2.1% top-up fee, $50,000 annual limit. Premium: 1 virtual + 1 physical, $58 (1 year) or $118 (3 years), 1.8% top-up fee, $250,000 annual limit. Whale: 2 virtual + 1 physical, $70 (1 year) or $148 (3 years), 1.2% top-up fee, $1,000,000 annual limit. The physical card works at ATMs up to $1,500 per transaction and per day and $15,000 per month, and arrives in about 15 days. Funding is USDT, USDC or the network's native coin on BNB Smart Chain, Ethereum, Base, Polygon and Arbitrum. KYC is private via Verinex. The site says cards can be ordered from 203 countries and territories depending on residence and nationality; US availability is not stated, so the card is still treated as not US-available. No issuer, BIN sponsor or licence is published, and the page states card balances are held by an independent card issuer, so the balance is custodial despite self-custody wallet marketing. Rewards are travel points, not cashback.
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The xKard is a crypto debit card offered by Xhype. It is available in Global (excl. US + sanctioned) and allows users to spend cryptocurrency at merchants worldwide.
The xKard has an annual fee of $10-$70/yr by plan ($118-$148 for 3 years). Additional fees: Top-up: 1.2-2.1% by plan; Inactivity: None.
Yes. Xhype requires standard identity verification (KYC), typically a government-issued ID, during signup.
The xKard is available in Global (excl. US + sanctioned). It is NOT available in the United States.
The xKard is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the xKard supports Apple Pay and Google Pay for contactless payments.
No, the xKard does not come with a personal IBAN.
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