by Xhype
The xKard is a Visa debit card with a $0 (subscription $9-$49/mo) fee, available in Global (excl. US + sanctioned). KYC is optional.
xKard (by XHYPE FZCO, UAE) is a prepaid virtual Visa card funded with USDT, marketed as no-KYC, with Apple Pay and Google Pay support and an invitation-code signup.
The xKard is a crypto debit card offered by Xhype, available in Global (excl. US + sanctioned). The annual fee starts at $0 (subscription $9-$49/mo).
Best suited for users who prefer minimal identity verification. Note that the card is virtual only. It runs on the Visa network with optional identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | Travel points only, not cashback |
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for xKard is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $0.00/mo cashback that is still a net cost of about $7.50/mo ($90.00/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: Prepaid virtual, USDT only (BEP20 or TRC20). Marketed no-KYC but AML screening can force verification. Invitation code required to register. Tier subscriptions: Essential $9/mo, Premium $19/mo, Whale $49/mo (billed annually). Top-up commission 2.3-4.5% by tier. Annual recharge limits approx $25k / $50k / $100k. Rewards are Xtraveler travel points, not cashback. xKard v2 launched May 2026 with lower fees and self-custodial features. US availability is not confirmed (UAE-issued); treated as not US-available. Confirm exact fees before relying on them. xKard publishes no issuer, no BIN sponsor, and no licence, stating only that cards are issued through unnamed licensed partners; the operating entity is XHYPE FZCO (Dubai) under UAE law. Funding is crypto-only (USDT on BNB Chain or Tron) into a custodial prepaid balance, so despite non-custodial marketing the balance is not self-custodied. Recharge commission runs 2.3% to 4.5% by tier.
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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 $0 (subscription $9-$49/mo). Additional fees: Top-up: ~2.3-4.5%.
KYC is optional for the xKard. Basic features work without identity verification, but verifying usually unlocks higher spending limits.
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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