Head to head
DPT Pay vs XPlace
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | DP DPT Pay | XP XPlace |
|---|---|---|
| Overall rank | #17 of 27 | #3 of 27 |
| FX spread | 1% | 1% |
| Base cashback | No cashback | 1% + 1% |
| Custody | Custodial | Non-Custodial |
| Virtual card | $10 | Yes |
| Physical card | $50 | Yes (Gated) |
| Spend limit | No spending cap by default | $2000 lower tier - $750,000 highest tier |
| ATM withdrawals | Three withdrawals per day, fee not disclosed | |
| Setup time | ~8 minutes | ~10 minutes |
| KYC steps | 4 | 3 |
| Score | 7.5/10 | 8.5/10 |
DPT Pay
DPT Pay is a solid custodial option thanks to BitGo custody and a native US BIN, which makes it useful for international users blocked by localised card restrictions on US platforms. The undisclosed FX spread and absence of cashback are the main reasons it sits mid-table.
XPlace
XPlace works as a crypto-backed credit line rather than a prepaid debit card. It suits holders who would rather borrow than sell to fund living costs, but the variable APR on drawn credit and the modest spend limit need to be weighed before committing collateral.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+