XPlace

RE-VERIFIED 2026-09-28 against XPlace's terms and conditions (effective 20 May 2026), docs.x.place and x.place. CASHBACK CHANGED: Cash Mode now pays no cash back, only XP points (1% / 3% / 6% / 10% by tier). USDC cash back of 0.5% / 1% / 1.5% / 2% (Basic to Platinum), capped at $10 / $40 / $100 / $250 a month, is paid only in Credit Mode, which spends against a Kamino loan on deposited collateral; the x.place cashback FAQ says cashback is available only in Credit Mode. The terms (section 6.2) still list the older Cash 0.5% to 2% and Credit 1% to 4% table; we use the less generous current pages. MODELLING: every plan pays 0%, what a Cash Mode user receives in cash; XP is not counted because the terms (8.3) say it has no monetary value. FX: the terms (6.3) set XPlace's own fee at 1% / 0.5% / 0.25% / 0% by tier and the card terms list 0% cross-border; XPlace's docs say Visa's 1% applies on top, which the binding documents don't show, so we use the terms' figures. The 14 Sep 2026 date of the change and 12 months of old rates for existing members are reported only by third parties. FROM THE 12 SEP 2026 CHECK (still current): annual fees $99 Silver, $249 Gold, $999 Platinum; operator Pontech Group L.L.C-FZ (Meydan Free Zone, Dubai), card issued by Third National, programme managed by Rain; no Borrow Mode origination fee in official documents; the terms say no token has been issued and no allocation, launch date or TGE structure exists; the US programme excludes 19 states (AZ, DE, GA, ID, LA, MD, MS, MO, NV, NM, ND, OH, OR, RI, SD, TN, VT, WA, WI) and the terms separately list NY and TX as restricted. LTVs: USDT 80%, cbBTC and wETH 70%, SOL 65%, jitoSOL 50%.