Xkard operates under a zero-knowledge model — meaning we never collect, request, or store personal data. You can top up and spend your crypto freely, with complete privacy and without going through any KYC process.

Who can apply for the Xhype Card?

The Xhype Card is available globally. However, usage and membership are strictly restricted for individuals who are residents or citizens of countries subject to international sanctions.

What are the fees associated with Xhype Card?

Foreign currency exchange fee: Standard fee. USDT recharge fee: 2.3%-4.5% (depending on the selected card type). Annual card issuance or renewal fee: Based on the card type ($9/month, $19/month, $49/month – paid annually). Inactivity fee: None. Card cancellation fee: None.

Absolutely. Once you recharge your xkard, your funds are securely held by our fully licensed issuer, ensuring institutional-grade protection. Xhype does not hold or control your funds.

Are Xhype Cards Legal?

Yes, Xhype operates fully within the legal framework of the jurisdictions where we are registered. We follow all applicable financial regulations while ensuring maximum privacy and financial freedom for our users. Our business structure is designed to provide a seamless, global, and compliant crypto-to-fiat solution. Xhype Card is issued through licensed financial partners that operate under the regulatory framework of their respective jurisdictions, ensuring security and reliability in all transactions. Unlike traditional financial institutions, we follow a zero-knowledge model and do not require KYC, as we are not a custodial entity. Your funds remain secure within the regulated infrastructure of our fully licensed issuer, subject to strict banking regulations, offering you the same level of protection and acceptance as any other major card provider.

XHYPE CARD (WHALE)

Highest limits, lowest recharge fee (2.3%), $40 instant free credit, exclusive support — no KYC required

Status: Active

Issued by Xhype

Curat Loyalty Bonus

Earn 50 xCURAT points on top of card benefits when you apply through us. T&Cs apply.

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No back image available

WHALE

Self Reported

What is this?

Card Overview

Custody Type

custodial

Card Type

debit

Material

Plastic

KYC

None

Pros

No KYC required

Instant setup

High spending limits/$100,000 monthly

Non-custodial structure

Global usability

Cons

Card issuance fee: $25

High top-up fees/2.3% (Whale) to 4.5% (Essential)

No fiat top-up options

Virtual only

Annual payment ($108–$588/year)

USDT-only funding

Rewards & Staking

Max Cashback

$40 CREDIT/2490 POINTS

On eligible purchases

Reward Token

Xtraveler Points (redeemable for hotel bookings and activities)

Paid out in Xtraveler Points (redeemable for hotel bookings and activities)

Staking APY

N/A

On staked assets

Reward specifics

Boost Multiplier N/A

Monthly Cap N/A

Payout Frequency N/A

Welcome Bonus $40 instant free credit + 2,490 Xtraveler Points on signup

Referral Bonus N/A

Bonus APR N/A

Bonus Token N/A

Staking & Requirements

Required Token N/A

Min Stake Amount N/A

Fiat Value Req N/A

Lock-up Period N/A

Downgrade Penalty N/A

ROI Calculator

What this card actually nets you: cashback earned minus the fees and FX you pay. Defaults to $1,000/month, so drag to match your spend.

Inputs

XHYPE CARD (WHALE)

Self Reported

Rates autofilled from this card

Monthly spend $1,000

Spent abroad (FX) 15%

Rates

Cashback 0% FX 0%

Net value / year

$0 / month · +0.00% effective

Effective rate

+0.00%

Break-even spend

Any spend

Cashback

FX cost

Load fee

Fees

Rewards paid in XTRAVELER POINTS (REDEEMABLE FOR HOTEL BOOKINGS AND ACTIVITIES), a volatile token whose USD value can swing.

Apply for XHYPE CARD (WHALE) Full details

Estimate, not gospel. Cashback caps, tiered FX, and staking lock-ups vary by tier and region. Rates are pulled from this card's listed data, so adjust them above to match your situation.

Supported Assets

Chains

Tron

BNB Chain

Tokens

USDT

Card Options

Lifestyle & Perks

Not Offered

Airport Lounge

Not Offered

Crypto Events Shuttle

Not Offered

Airport Transfers

Not Offered

Priority Boarding

Not Offered

Esim

Not Offered

Concierge Services

Not Offered

Golf Access

Not Offered

Fitness Membership

Not Offered

Exclusive Club

Not Offered

Exclusive Merch

Not Offered

Nft Drops

Not Offered

Crypto Token Deals

Fees & Limits

Fee Schedule

Fee Structure $588/year

FX Fee 2.3%

ATM Withdrawal N/A

ATM (Domestic) N/A

ATM (Intl) N/A

Fee After Limit N/A

Inactivity Fee N/A

Top Up Fee N/A

Liquidation Fee N/A

Custody Fee N/A

Usage Limits & requirements

Daily Spend Limit N/A

Monthly Spend Limit N/A

ATM Withdrawal Limit N/A

Free ATM Limit N/A

Max Balance N/A

Min Balance N/A

Top Up Limits N/A

Technical Features

Integrations

Contactless

Security

2FA Support

Biometric Auth

Card Freeze

Transaction Notifications

Dynamic CVV

Merchant Blocking

App & Usability

Spending Analytics

PIN Change in App

Spending Limits Control

Subscription Management

Budgeting Tools

Smartwatch Support

Recuring Payment Control

Dispute Filing

Receipt Capture

Split Bill

ATM Locator

Advanced & Global

Multi-currency Wallet

Crypto Auto-convert

Round-up Savings

QR Payments

Offline Mode

Carbon Tracking

Instant Card Details

Crypto Capabilities

Yield on Collateral

On-Chain History

Governance Rights

Credit Scoring

Banking & On-Ramp

Banking Features

Virtual Bank Account No

Account Type N/A

Direct Deposit No

Bill Pay No

Instant Issuance No

Self Custody No

Dual Mode (Switch) No

Funding & Withdrawals

On Ramp

Not Available

Off Ramp

Not Available

Operations & Support

Support Channels

Support Tier N/A

Support Type 24/7 customer support, Dedicated specialists

Hours 24/7

Dedicated Manager No

Response SLA N/A

Geographic Availability

KYC Requirements

None

Email ID

Required

Phone Number

Required

Government ID

Not Required

Home Address

Not Required

Bank Statements

Not Required

Geographic Availability

Available

Restricted

Not available

188 countries

View country list (188 countries)

AfghanistanAlbaniaAlgeriaAndorraAngolaAntigua and BarbudaArgentinaArmeniaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelgiumBelizeBeninBhutanBoliviaBosnia and HerzegovinaBotswanaBrazilBruneiBulgariaBurkina FasoBurundiCabo VerdeCambodiaCameroonCanadaCentral African RepublicChadChileChinaColombiaComorosCongoCosta RicaCroatiaCyprusCzechia (Czech Republic)Democratic Republic of the CongoDenmarkDjiboutiDominicaDominican RepublicEast TimorEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaEuropean UnionFijiFinlandFranceGabonGambiaGeorgiaGermanyGhanaGreeceGrenadaGuatemalaGuineaGuinea-BissauGuyanaHaitiHoly SeeHondurasHungaryIcelandIndiaIndonesiaIraqIrelandIsraelItalyIvory CoastJamaicaJapanJordanKazakhstanKenyaKiribatiKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMauritaniaMauritiusMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMoroccoMozambiqueNamibiaNauruNepalNetherlandsNew ZealandNicaraguaNigerNigeriaNorth MacedoniaNorwayOmanPakistanPalauPalestine StatePanamaPapua New GuineaParaguayPeruPhilippinesPolandPortugalQatarRomaniaRwandaSaint Kitts and NevisSaint LuciaSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth KoreaSouth SudanSpainSri LankaSurinameSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandTogoTongaTrinidad and TobagoTunisiaTurkeyTurkmenistanTuvaluUAEUgandaUkraineUnited KingdomUnited StatesUruguayUzbekistanVanuatuVietnamYemenZambiaZimbabwe

Markets where this card can be used. Hover red regions for the restriction reason.

Region Restrictions

Markets where this card is unavailable, with the reason

sanctioned_countries restricted for residents or citizens of countries subject to international sanctions

Sources & Provenance

Official · 26

26 source citations across 26 fields, captured during the latest research run.

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Quick Answers

Frequently asked questions about XHYPE CARD (WHALE)

Direct answers to the questions people ask most before they compare or apply for this card.

Verification Pending This card's details are not verified and may be out of date. We are working with the provider to update them as soon as possible.

Xhype

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XHYPE CARD (PREMIUM)

Up to $10 CREDIT/690 POINTS back

XHYPE CARD (ESSENTIAL)

Up to $5 CREDIT/290 POINTS back

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