XPlace User Reviews

Top reviews

Good

Didn’t expect Apple Pay setup to be this quick honestly. Usually new services always have some issues with that part.

Among the best I’ve tried…

I’ve tried most (if not all) of the crypto banking/lending apps on the AppStore. Over time, the majority of them begin to offer fewer perks for more money. But this one has been the complete opposite. They continue to implement cooler features, better UI/UX, and competitive rates/benefits - without changing their fee structure (as far as I’m aware.

I know this platform is still relatively new - especially compared to most of their competitors. But, when it comes to customer service and support - they’ve consistently treated me like I’m their most valuable customer. They’re polite, quick to respond, and helpful whenever I’ve had an issue (which is rare). It almost made me suspicious at first. But then - literally - every single time… they bend over backwards to make sure I’m happy with the end result. For me… that alone has made my experience with this platform worth returning to. If that was all - I’d say this warranted a 5-star review. But that’s just the first few - of many complements I have for this platform, the app, its features and the incredible team they’ve assembled.

My thanks to the entire xPlace team. You f*ing rock. 🤘
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Super good

This prolly one of the best crypto apps with physical cards

Could afford a much fairer referral bonus for getting friends to join

It’s ok. Seems scammy that you make users deposit before you explicitly say what their credit amount will be

works

great!

👍🏻

At first I couldn’t figure out why my available balance was lower than expected. Turns out only part of your crypto becomes credit depending on the asset. Took me a while to understand that logic. After that, everything started to feel more predictable. Maybe needs better explanation inside the app.
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Xp god

Boost

👍🏻

Been using this app for a couple of months now, mostly for holding and testing the card. Honestly, the idea of spending without selling crypto actually works smoother than I expected. Interest keeps coming in daily which is nice. The only thing is it takes a bit of time to understand how credit and collateral work. Once you get it though, it makes sense. Overall pretty solid.
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Very bad experience

My bad experience hope this can help posterity:

Having invested $1,000 to purchase gold membership and farm points. But I have identified several critical issues:

Capital Loss and Rewards Dilution: Following the "drift incident," my funds were entirely lost. Furthermore, the subsequent decision to promote all affected users to the next level has effectively diluted the value of my accumulated XP, as the higher point multiplier is no longer an advantage for paid users.
Pricing Inequity: It is disheartening to see the membership tier I purchased at a premium now being offered to new users at a significantly lower price point without any compensatory measures for early adopters.
Operational Inefficiencies: There is a recurring lack of proactivity regarding financial obligations. Referral bonuses and card purchase refunds were only processed after I manually intervened and contacted the team.

Concerns:
Risk Management: The 100% exposure to a single protocol suggests a lack of robust risk mitigation strategies.
User Retention Strategy: The current team’s approach prioritizes new user acquisition at the direct expense of early, loyal supporters.
Support Standards: For a high-tier membership, a at least 48-hour response time is inconsistent with the expected level of premium service as advertised.
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Response from developer

Thank you for sharing this! We genuinely appreciate the detail and understand how frustrating this experience has been. We want to be transparent about something important: XPlace is a non-custodial platform, which means we never held or had access to your funds at any point. Yield and borrowing were powered by Drift Protocol, a third-party DeFi protocol, and the losses resulted from their security incident, not from funds held by XPlace. The use of third-party DeFi protocols and the associated risks are disclosed in our Terms and Conditions. We know that distinction doesn’t make the outcome less painful, and we’re sorry you were caught in it. On the dilution concern, your account was upgraded to Platinum for lifetime, and you also received additional points for the upgrade itself. If every affected user moves up together, no one is diluted relative to each other in fact, you come out ahead, as you’re now earning at the highest multiplier permanently with no additional cost. On protocol risk, we hear you, and we’ve acted on it. We are currently migrating to Kamino Finance, one of the most battle-tested lending protocols on Solana with $2.8B+ in TVL, zero bad debt history, and 18+ audits. This is a direct response to exactly the concern you raised. Your other points, on pricing fairness for early supporters, proactive handling of referrals and refunds, and support response times are valid, and we’re actively addressing each of them as we rebuild. We’d really like to connect with you directly and make things right. Please reach out to us at info@x.place and we’ll make sure your case is prioritised. Thank you for holding us to a higher standard.

Works as expected

Everything works, transfers are fast and the card seems fine, just wish it was a bit clearer what amount you can actually use at any moment.

Bruce Baines

Number one crypto credit card