Plasma One

FX BY PLAN (verified 2026-09-28): Plasma help-centre fee table (updated 18 Sep 2026) and FX article (17 Sep 2026): Lite 1% markup + ~1% Visa = 2%; Core 0.5% + ~1% = 1.5%; Platinum 0% with the Visa fee covered by Plasma. CATEGORY BONUSES (verified 2026-09-28): AI 5%/4% (Core), 10%/5% (Platinum), ChatGPT/Claude refunds, 10% flights with 13 airlines (Platinum). Researched June 2026 from official plasma.org tier pages + 6 third-party sources; verify Help Center figures before publishing. TIER UNLOCK MECHANICS (official): Lite = free, no lock. Core = $199/yr subscription OR lock 20,000 XPL for 12 months (BOTH modeled as separate Core plans; the engine picks the cheaper eligible one, at these figures the $199/yr cash path beats the lock's ~$246/yr depreciation cost, so cash usually wins; figure corrected to $199/yr per product owner 2026-06-28, was previously researched as $120/yr; VERIFY against plasma.org/personal/core). Platinum = lock 100,000 XPL for 12 months ONLY, no cash/subscription path. Lock terms (official): 12-month lock from deposit, no early unlock/partial refund/pro-rata return; adding XPL to upgrade re-locks the combined balance for a fresh 12 months; cannot close account while a lock is active; released only to a pre-set withdrawal address. requiresStake for Platinum = 100,000 XPL x $0.0819 = $8,200 (XPL price $0.0819 on 2026-09-12 per CoinGecko/CMC; ESTIMATE, volatile). Core lock alternative = 20,000 XPL x $0.0819 = $1,640 (modeled as the 'Core (locked)' plan). CASHBACK BANDS (official tier pages): Lite 2% (third-party: to $500 then 0.1%; band not on official page = MEDIUM confidence). Core 3% first $1,000 / 2% to $2,000 / 1% to $3,000 / 0.25% above (official). Platinum 4% first $3,000 / 3% to $10,000 / 2% to $15,000 / 1% above (official). Tier monthlySpendCap values are band WIDTHS (cumulative thresholds converted: Core 1k/1k/1k; Platinum 3k/7k/5k). CATEGORY BONUSES (NOT baked into base rate): Core 5% on AI spend up to $500/mo AI purchases; Platinum 10% on AI spend + 10% on eligible flights up to $600/yr; a separate $100-cap AI promo runs at /aicashback. monthlyRewardCap ($250 Lite/Core, $1,000 Platinum) is THIRD-PARTY sourced (cardpilled/kkinvesting), NOT confirmed on official pages = LOW confidence; official structure relies on rate step-down bands rather than a hard USD cap. Cashback paid weekly in XPL at market price. Status: launched publicly ~June 12 2026. RE-VERIFIED 2026-09-12 against plasma.org: Google Pay is now live (was Apple-Pay-only at launch); physical cards now ship on Core/Platinum (Lite stays virtual-only) though ATM terms are still unpublished; coverage restated as 180+ countries; idle Earn headline raised to 'up to 6%'; official referral terms add referrer revenue-share (Lite 0.25%, Core/Platinum 1% of referee spend for 3 months). Tier prices, lock amounts and all cashback bands re-confirmed UNCHANGED. The 'Core free for 6 months' launch promo ended 2026-07-21. Validator staking/delegation still not live. Issuer Rain confirmed by official site + 4 sources (cryptocardhub's 'Signify Holdings' is an outlier). Sources: plasma.org/personal, /personal/core, /personal/platinum, /personal/lite, /plasma-one-rewards, /plasma-one-cashback-and-referral-terms, /aicashback; cryptonoshi.com, cardpilled.com, kkinvesting.io, spendnode.io, Yahoo Finance, cryptobriefing.com. CONFLICT: Core lock 10,000 XPL (spendnode/cardpilled/Yahoo, stale/pre-launch) vs 20,000 XPL (official plasma.org/personal/core, cryptonoshi, kkinvesting); 20,000 used.