CoinsOnCards

    XHYPE XKARD V2Review

    Virtual prepaid Visa/Mastercard converting USDT from TRC20/BEP20 for spending with minimal KYC.

    2.5· Updated: XKARD V2 launched April 21, 2025
    Visit issuer
    Cashback
    Up to 0.00%
    Custody
    custodial
    KYC
    limited
    Networks
    —
    Monthly fee
    $9
    Available in
    —

    The verdict

    Best for: Privacy-focused users spending USDT with high annual limits up to $100,000.

    Skip if: You need low fees; total costs can exceed 8% with top-up/FX fees.

    • High annual fees from $108 to $588 per virtual card.
    • Supports only USDT on TRC20 and BEP20 networks.
    Get the XHYPE XKARD V2

    How it works

    • * Virtual prepaid card available on both Visa and Mastercard networks.
    • * Three tier options (Essential, Premium, Whale) with varying benefits and limits.
    • * Annual reload limits up to $100,000 (Whale tier).
    • * Instant USDT to USD conversion for immediate spending.
    • * Compatible with Apple Pay and Google Pay.
    • * Unlimited cards per user, each with its own annual plan and limit.
    • * No ATM withdrawal capability.

    Funding: USDT (TRC20) · USDT (BEP20)

    Tier requirements & loyalty

    Referrals: 15% of referees' reload fees, paid in USDT (lifetime commission structure)

    Custody & risk

    • If the issuer disappears
      If the provider or issuer disappears, users lose access to remaining funds.
    • Counterparty risk
      Custodial model means users lose access to remaining funds if provider or issuer disappears
    • Regulatory risk
      AML policy allows XHYPE to ban users at their discretion, which may affect availability based on risk assessment
    • Regulatory risk
      Funds from mixers, tumblers, and similar sources may be rejected; deposits screened via AML systems and chain analysis tools

    Funds are held by a fully licensed card issuer in the Visa/Mastercard network, not by XHYPE itself. The platform/card issuer controls all private keys and holds user funds. Users deposit USDT, which is converted and held as USD by the issuer.

    Protections

    • 2-Factor Authentication (2FA) for account logins
    • 3DS transaction verification for online purchases
    • 24/7 fraud and security monitoring
    • Chain analysis capability with potential blocks for flagged addresses
    • Deposit screening to prevent non-compliant fund flows

    Limits

    notes
    Annual top-up limits vary by tier. If you reach your annual top-up limit on a given card, you can either wait 12 months for the counter to reset or purchase additional cards; there is effectively no cap on the number of cards per user.
    atm daily
    Not supported
    atm monthly
    Not supported
    daily spending
    No separate daily cap stated
    per transaction
    $30,000 maximum

    The good

    • High annual limits up to $100,000.
    • Global Visa-network and Mastercard-network acceptance.
    • Instant USDT to USD conversion.
    • Supports Apple Pay and Google Pay.

    The catches

    • Annual fees of $108-$588 per card.
    • Total costs can reach 8-10%.
    • Supports only USDT on BEP20/TRC20.

    Limitations

    • majorAnnual plan fees: $108 / $228 / $588 per year (Essential/Premium/Whale)
    • majorAdditional ~4% Visa/Mastercard FX fees apply for non-USD transactions
    • majorTotal effective cost can reach 8-10% for cross-currency spending
    • moderateTop-up fees range from 2.3% to 4.5% based on tier
    • moderateOnly USDT cryptocurrency supported on BEP20 and TRC20 networks
    • moderate100% virtual card only with no ATM withdrawal capability
    • moderateDiscrepancy between 'zero KYC' marketing and the actual AML policy - KYC can be triggered despite marketing claims
    • minorERC20 network support is not available
    • minorPhysical cards not available despite older marketing mentions

    What users say

    No public user ratings available yet. User feedback highlights simplicity, privacy features, high annual limits, and functionality in regions with restrictive banking as positives.

    Rating breakdown

    Net reward
    0.0
    Custody risk
    2.0
    Availability
    4.5
    Features & convenience
    3.0

    See our methodology for how we score each axis.