Plasma One logo

Plasma One

Self-custodial stablecoin neobank paying up to 10% back on AI subscriptions — spend stablecoins, earn XPL and DeFi yield simultaneously.

4.0% CashbackVirtual CardVisaID VerificationUSDTUSDCUSDG
8.9/10★★★★☆Visit official site →

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

ActiveVirtual
Plasma One Virtual card
Plasma One logo
Plasma One
VISA
Issuance$0 (Lite); $199/yr Core or 20,000 XPL 12-mo lock
Monthly$0
Cashback4.0%
Visit official site →

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.

FeePlasma One
Issuance fee$0 (Lite); $199/yr Core or 20,000 XPL 12-mo lock
Monthly fee$0
FX feeVaries by region — confirm in-app

3What do I get?

Perks, rewards and capabilities that come with the card.

CategoryBenefit
Rewards4.0% cashback on eligible spend
PerksSelf-custodial Visa issued by Rain (Visa Principal Member); on-device key generation
RewardsCashback paid in XPL: Lite 2%, Core 3% (+5% on AI spend), Platinum 4% (+10% AI, +10% flights capped $600/yr)
PerksVariable Earn yield up to ~5% APY on idle stablecoin balances, no lockup
PerksBundled AI subscriptions: ChatGPT Go rebate (Core), ChatGPT Plus + Claude Pro rebates (Platinum)
Mobile wallets0% 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.

RequirementWhat it means
Identity checkID verification required — verify your identity in the app before ordering
FundingYou will need a way to load the card: USDT/USDC/USDg crypto deposit (free), ACH/wire/SEPA/PIX/SPEI fiat on-ramps
AgeYou must be 18 or older to apply

Card specs

FeaturePlasma One
Virtual card issuance$0 (Lite); $199/yr Core or 20,000 XPL 12-mo lock
Monthly / annual fee$0
Card networkVisa
Card typeVirtual
KYCID verification required
Top-up methodsUSDT/USDC/USDg crypto deposit (free), ACH/wire/SEPA/PIX/SPEI fiat on-ramps
Supported assetsUSDT, USDC, USDG
RegionsUnited Kingdom, Europe, Middle East, Africa, Asia-Pacific, Latin America

Rating breakdown

Fees & pricing
9.3
Availability
9.1
Features
8.9
Trust & maturity
8.5

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.

★★★★☆
8.9 / 10

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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