XHype Card
XHYPE (FZCO) · Visa / Mastercard
XHype Card (XHYPE Xkard) is a virtual prepaid card marketed as 100% no-KYC, funded in USDT (BSC/TRON chains) and spendable on the Visa/Mastercard network via Apple Pay and Google Pay. Sign-up requires only email/phone, but all deposits undergo AML screening and on-chain analysis, with possible rejection of funds from mixers and issuer discretion to apply KYC based on risk. Pricing uses three annual plans (Essential $108, Premium $228, Whale $588), with a USDT reload commission from 4.5% down to 2.3% by tier and a card issuance fee of about $25. It offers no real cashback: bonuses are welcome credits ($5/$10/$40) and XTraveler points. The card is virtual-only with no ATM withdrawals. The issuer is listed as XHYPE (FZCO), a Dubai-registered entity operating through licensed partners. The stated number of supported countries is 189 (excluding Iran and North Korea). NOTE: fee_annuale_eur and privacy_score are set to 0 because there is no single documented annual fee (only multiple annual plans) and no verifiable privacy score; sources disagree on custody (cryptocardhub: custodial; official site: non-custodial) and on the network: the more documented value is used here.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa / Mastercard |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | €25 |
| Annual fee | Free |
| Free ATM limit | Non supportato (carta solo virtuale) |
| ATM withdrawal | Free |
| FX markup | 4% |
| Cashback | — |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Light |
| Privacy | 0/10 |
| Supported countries | US, EEA, UK, APAC, LATAM, MENA, AFRICA · 189+ countries |
| Funding / solidity | XHYPE (FZCO) e un'entita registrata a Dubai (Emirati Arabi Uniti) che opera tramite emittenti Visa/Mastercard licenziati partner. La carta XHype (Xkard) e finanziabile solo in USDT sulle reti Tron (TRC20) e BNB Chain (BEP20) e supporta 189 paesi, escluse le nazioni sanzionate come Iran e Corea del Nord. |
| Estimated net annual cost | €108/year |
| Segment | B2C |
| Funding / solidity | XHYPE (FZCO) is a Dubai-registered (UAE) entity operating through licensed partner Visa/Mastercard issuers. The XHype (Xkard) card is funded only in USDT on the Tron (TRC20) and BNB Chain (BEP20) networks and supports 189 countries, excluding sanctioned nations such as Iran and North Korea. |
| MiCA / License status | Nessuna licenza pubblica nota; emessa tramite partner licenziati |
Plans & pricing
Strengths
- No-KYC sign-up with only email/phone and instant virtual card
- Wide stated geographic coverage (189 countries) plus Apple/Google Pay support
- High reload limits up to $100,000/year on the Whale plan
- Light KYC: minimal identity verification.
Weaknesses
- High cumulative costs: annual fee + USDT reload commission (2.3%-4.5%) + FX markup (~4%)
- No real cashback; only welcome credits and loyalty points
- No-KYC only nominally: AML screening on deposits and KYC at issuer discretion
- Issuer with limited corporate transparency; sources disagree on custody and licensing
- Custodial: the platform holds your funds and can freeze or lose them.
Verdict
Very weak protection: a Dubai-registered issuer (FZCO) with no public licence of its own, operating through partners; no regulator directly oversees the funds and custody is disputed across sources.
Good on paper (email/phone-only sign-up, no entry KYC), but undermined in practice: AML screening and on-chain analysis on every deposit, possible fund rejection and KYC at the issuer's discretion.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Does XHype Card require KYC?
XHype Card is marketed as 100% no-KYC: sign-up only needs an email or phone. However all deposits undergo AML screening and on-chain analysis, and the issuer reserves the right to apply identity checks based on risk.
How much does XHype Card cost?
Card issuance costs about $25. There are three annual plans (Essential $108, Premium $228, Whale $588) with a USDT reload commission from 4.5% down to 2.3% by tier, plus an FX markup of around 4%.
Sources
- Official service page Kyc · Fees · Payment network · Regioni · +1 Data verified on Jun 22, 2026
- cryptocardhub.com Fee emissione · Fx markup · Cashback · Issuer · +7 Data verified on Jun 23, 2026
- docs.xhype.io Supported currencies · Plans & pricing · Italia disponibile Data verified on Jun 23, 2026