Quick Summary
Key Features
- Self-custodial Visa issued by Rain (Visa Principal Member); on-device key generation
- Cashback paid in XPL: Lite 2%, Core 3% (+5% on AI spend), Platinum 4% (+10% AI, +10% flights capped $600/yr)
- Variable Earn yield up to ~5% APY on idle stablecoin balances, no lockup
- Bundled AI subscriptions: ChatGPT Go rebate (Core), ChatGPT Plus + Claude Pro rebates (Platinum)
Main Advantages
- 4.0% cashback on eligible spend
- Free virtual card issuance
- Multi-region availability (6 regions)
- Works with Apple Pay and Google Pay
Notable Limitations
- Terms change often — the provider's live numbers are final
The cards
Every format Plasma One issues — pick the one that fits how you spend.
Plasma One Virtual
1Can I get this card?
Supported Countries Map — powered by our availability data.
Plasma One: Reported in 81 countries across 6 regions (United Kingdom, Europe, Middle East, Africa, Asia-Pacific, Latin America).
Coverage reported by the provider — the exact applicant list is confirmed in-app.
2What does it cost?
Every fee we could verify for the Plasma One card.
Fees verified October 13, 2026 from public web sources. Fees change often — always confirm the app's live numbers before signing up. This page is for information only, not financial advice.
| Fee | Plasma One |
|---|---|
| Issuance fee | $0 (Lite); $199/yr Core or 20,000 XPL 12-mo lock |
| Monthly fee | $0 |
| FX fee | Varies by region — confirm in-app |
3What do I get?
Perks, rewards and capabilities that come with the card.
| Category | Benefit |
|---|---|
| Rewards | 4.0% cashback on eligible spend |
| Perks | Self-custodial Visa issued by Rain (Visa Principal Member); on-device key generation |
| Rewards | Cashback paid in XPL: Lite 2%, Core 3% (+5% on AI spend), Platinum 4% (+10% AI, +10% flights capped $600/yr) |
| Perks | Variable Earn yield up to ~5% APY on idle stablecoin balances, no lockup |
| Perks | Bundled AI subscriptions: ChatGPT Go rebate (Core), ChatGPT Plus + Claude Pro rebates (Platinum) |
| Mobile wallets | 0% FX fees; Apple Pay and Google Pay support |
4What do they need from me?
What you will have to provide or meet to get and use the card.
| Requirement | What it means |
|---|---|
| Identity check | ID verification required — verify your identity in the app before ordering |
| Funding | You will need a way to load the card: USDT/USDC/USDg crypto deposit (free), ACH/wire/SEPA/PIX/SPEI fiat on-ramps |
| Age | You must be 18 or older to apply |
Card specs
| Feature | Plasma One |
|---|---|
| Virtual card issuance | $0 (Lite); $199/yr Core or 20,000 XPL 12-mo lock |
| Monthly / annual fee | $0 |
| Card network | Visa |
| Card type | Virtual |
| KYC | ID verification required |
| Top-up methods | USDT/USDC/USDg crypto deposit (free), ACH/wire/SEPA/PIX/SPEI fiat on-ramps |
| Supported assets | USDT, USDC, USDG |
| Regions | United Kingdom, Europe, Middle East, Africa, Asia-Pacific, Latin America |
Rating breakdown
Pros & cons
Pros
- Self-custodial Visa issued by Rain (Visa Principal Member); on-device key generation
- Cashback paid in XPL: Lite 2%, Core 3% (+5% on AI spend), Platinum 4% (+10% AI, +10% flights capped $600/yr)
- Variable Earn yield up to ~5% APY on idle stablecoin balances, no lockup
- Bundled AI subscriptions: ChatGPT Go rebate (Core), ChatGPT Plus + Claude Pro rebates (Platinum)
Cons
- Availability varies by region — confirm in-app
- Fees may change — check live numbers
Frequently asked questions
How much does the Plasma One virtual card cost?
The virtual card issuance fee is listed as $0 (Lite); $199/yr Core or 20,000 XPL 12-mo lock. Lite tier free. Core: $199/year or lock 20,000 XPL for 12 months. Platinum: lock 100,000-150,000 XPL for 12 months (no early unlock). Onramp fees: ACH $1, wire $15, SEPA £/€0.50. Fees change often — confirm in the app.
Which countries support Plasma One?
Plasma One is available in: United Kingdom, Europe, Middle East, Africa, Asia-Pacific, Latin America. 150+ countries — 'all countries except USA' per onboarding. US residents restricted from the primary flow. Invite-gated early access (invite codes in circulation).
Does Plasma One require KYC?
ID verification is required for this platform based on our research. Requirements can vary by region — check the app for your country.
What can I top up the Plasma One card with?
Supported top-up methods: USDT/USDC/USDg crypto deposit (free), ACH/wire/SEPA/PIX/SPEI fiat on-ramps.
Our verdict
Plasma One scores 8.9/10 in our rating system. Self-custodial stablecoin neobank paying up to 10% back on AI subscriptions — spend stablecoins, earn XPL and DeFi yield simultaneously.
Get the Plasma One card
Apply directly with the provider — check current fees and availability for your country in their app.
Visit Plasma One's official site →Fees verified October 13, 2026. Always confirm live numbers in-app.
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