Xkard Essential XHYPE Plus
A plan byXkard Essential · Visa/Mastercard
XKARD is a privacy-focused crypto card with zero-knowledge KYC, USDT top-ups on BEP20 and TRC20 and a privacy score of 8 out of 10. Its main drawbacks are the virtual-only format, a monthly fee between $9 and $49, and limited public information about the service.
XHYPE Plus
- Price
- €19
- Issuance fee
- €8
- FX markup
- 1.5%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- $25.000/anno
- Net annual cost
- €108
What's included
- Fees ridotte
- Limiti maggiori
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa/Mastercard |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | €8 |
| Annual fee | €228/year |
| Free ATM limit | $25.000/anno |
| ATM withdrawal | Free |
| FX markup | 1.5% |
| Cashback | Not disclosed |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Light |
| Privacy | 8/10 |
| Supported countries | EEA, APAC, LATAM, MENA · 50+ countries |
| Estimated net annual cost | €108/year |
| Regulator | Not disclosed |
| Segment | B2C |
| MiCA / License status | Licenza (non specificata) |
Strengths
- Zero-Knowledge KYC; USDT BEP20/TRC20; privacy 8/10.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
- Light KYC: minimal identity verification.
Weaknesses
- Virtual only; $9–49/month fee; limited public information.
- Subject to regulation (Licenza (non specificata)): reporting to authorities and freezes on order.
Verdict
The mid score is held back by scarce public information and a monthly fee between $9 and $49, with 1.5% FX and a virtual-only format. The licence is declared but unspecified, so it stays hard to verify: for the ordinary consumer the guarantees remain weak despite the non-custodial architecture.
For the crypto-native profile Xkard is a strong proposition: non-custodial, with zero-knowledge KYC that minimises exposed data, USDT top-ups on BEP20 and TRC20, and a high privacy score. It combines key control and confidentiality, exactly what sovereignty-minded users look for.
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
Is Xkard Essential a safe card?
Xkard Essential is a crypto card on the Visa/Mastercard network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme.
How much does Xkard Essential cost?
The card has no annual fee. Issuance costs €8.28. The FX markup is 1.5%. See the tier table for full conditions.
Does Xkard Essential offer cashback?
Xkard Essential does not offer crypto cashback.
Is Xkard Essential available in Italy?
Yes, Xkard Essential is available in Italy.
Is Xkard Essential custodial or self-custody?
Xkard presents itself as non-custodial: it is a prepaid virtual card you top up in USDT. The custody model is not extensively documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Blockchain · Annual cost · +4 Data verified on Jun 14, 2026
- cryptocards.so Plans & pricing Data verified on Jul 10, 2026
- kycnot.me Regulatory framework · Founders · OAM Italy registry Data verified on Jun 14, 2026