XKard
Gold TierNo KYCFEATUREDXKard offers zero-knowledge crypto spending with Visa/Mastercard acceptance at 80M+ merchants. Fund with USDT via BNB or TRON networks. Three plan tiers from Essential ($108/yr) to Whale ($588/yr) with decreasing reload fees. Best-in-class affiliate program pays 15% of reload fees forever.
Last verified: March 15, 2026
Fees
Reload Fee4.5% Essential, 3.5% Premium, 2.3% Whale
Annual Fee$108/yr (Essential), $228/yr (Premium), $588/yr (Whale)
Foreign TX Fee8-10% combined cross-currency
Limits
Daily$10,000 (Whale)
Monthly$100,000 (Whale)
Details
Supported CryptoUSDT
NetworksBEP20, TRC20
Spend MethodsVisa, Mastercard, Apple Pay, Google Pay
Physical Card
Virtual Card
Pros
- Zero KYC required — truly anonymous
- 15% lifetime affiliate commission
- Supports Apple Pay & Google Pay
- 80M+ merchant acceptance worldwide
- Up to $100k/month spending limit (Whale)
- Multiple plan tiers for different needs
Cons
- 8-10% combined cross-currency fees
- Annual subscription required
- USDT only (no USDC, SOL, BTC)
- Only BEP20 and TRC20 networks
Best For
High-volume spenders who want zero KYC and don't mind paying for premium plans
Affiliate Program
Commission15%
TypeLifetime reload fees
PayoutUSDT
Earn 15% of all reload fees from referred users — forever. Paid in USDT.
How XKard Compares
| Feature | XKard | SolCard | Laso Finance |
|---|---|---|---|
| Tier | Gold | Gold | Silver |
| KYC Level | No KYC | No KYC | Minimal KYC |
| Supported Crypto | USDT | SOL, USDT, USDC | USDT, USDC, BTC, ETH |
| Networks | BEP20, TRC20 | Solana | ERC20, BEP20, TRC20 |
| Spend Methods | Visa, Mastercard, Apple Pay, Google Pay | Virtual Card, Apple Pay, Google Pay | Visa, Apple Pay |
| Reload Fee | 4.5% Essential, 3.5% Premium, 2.3% Whale | 5% top-up fee | 3-5% depending on method |
| Annual / Monthly Fee | $108/yr (Essential), $228/yr (Premium), $588/yr (Whale) | None | $9.99/month |
| Foreign TX Fee | 8-10% combined cross-currency | 2% foreign transaction fee | N/A |
| Monthly Limit | $100,000 (Whale) | Not specified | $25,000 |
| Physical Card | |||
| Apple Pay | |||
| Google Pay | |||
| Affiliate Program | 15% Lifetime reload fees | Tiered % Percentage of 5% deposit fee, tiered by volume | 10% First-year fees |
| Action |