What is the XSPA crypto card?
The XSPA crypto card is a Visa Business card you fund with cryptocurrency. You top it up from your self-custody XSPA wallet, your crypto converts to fiat automatically the instant you pay, and you spend it like any normal card — online checkouts, in-store taps, and ATM withdrawals. No bank account, no exchange middleman, and one of the lowest fees in the world at just 1.99% per top-up.
How it works — 3 steps
From crypto to spending in minutes.
1 · Top up with crypto
Load your card from your XSPA wallet using BTC, ETH, SOL, USDT, USDC, BNB, POL or TRX across 6+ networks.
2 · Auto-convert
The moment you pay, your crypto is converted to fiat at a near-market rate — no manual swapping, no exchange queues.
3 · Spend anywhere
Tap, shop online, or withdraw cash at ATMs in 200+ countries — anywhere Visa is accepted.
Why choose the XSPA card
Built for people who actually want to spend their crypto.
Lowest fees
Just 1.99% per top-up versus 3.5%–4.99% on many other crypto cards. No hidden conversion markups.
No bank needed
Fund directly from crypto. No bank account, no credit check — get a virtual card instantly.
Multi-chain
Top up across 6+ networks. BTC, ETH, SOL, USDT, USDC, BNB, POL and TRX all supported.
Family package
One verification unlocks 5 physical + 5 virtual cards to share across your whole household.
Global acceptance
Use it in 200+ countries online and in-store, plus ATM withdrawals up to $1,500/day.
Secure & compliant
KYC and AML compliant with full regulatory standing. Your wallet stays self-custody — you hold the keys.
Top up with the crypto you already hold
Spend Bitcoin, stablecoins and more — converted to fiat automatically.
Bitcoin
Ethereum
Solana
USDT
USDC
BNB
Polygon
TRON
Crypto card fees compared
XSPA keeps more of your money in your pocket.
| Card | Fee per transaction / top-up | Bank account required |
|---|---|---|
| XSPA Crypto Card | 1.99% | No |
| Industry average | 3.50% | Often |
| Other crypto cards | up to 4.99% | Often |
What you can do with it
Real-life spending, powered by crypto.
Travel cashless
Book flights and hotels, rent a car, and pay abroad — all from one card, no cash to carry or lose.
Shop everywhere
Groceries, subscriptions and online orders — pay anywhere Visa works.
Withdraw cash
Take out up to $1,500 a day from ATMs worldwide.
Receive money
Get paid directly through XSPA without an exchange — exchanges charge heavy fees; XSPA's are far lower.
Frequently asked questions
What is a crypto card?
A crypto card is a payment card you fund with cryptocurrency. The XSPA card is a Visa Business card: you top it up with crypto, it converts to fiat automatically, and you spend it anywhere Visa is accepted — online, in stores, and at ATMs.
Do I need a bank account?
No. You fund the card directly with crypto from your self-custody XSPA wallet. No bank account is required to get or use the card.
What are the fees?
Just 1.99% per top-up — one of the lowest in the industry, versus 3.5% to 4.99% on many other crypto cards. There are no hidden exchange or conversion markups.
Which cryptocurrencies can I use?
BTC, ETH, SOL, USDT, USDC, BNB, MATIC/POL and TRX across 6+ networks. Crypto is auto-converted to fiat the moment you spend.
Where can I use the card?
Anywhere Visa is accepted — over 200 countries, online and in-store, plus ATM withdrawals up to $1,500 per day.
Can I get cards for my family?
Yes. One identity verification unlocks 5 physical and 5 virtual cards the primary holder can distribute to family members, all under one verified account.
Is it safe and compliant?
Yes. XSPA is KYC and AML compliant with full regulatory standing, and the wallet is self-custody — you always hold your own keys.
