Head to head
XPlace vs Infini
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | XP XPlace | In Infini |
|---|---|---|
| Overall rank | #4 of 12 | #10 of 12 |
| Gross FX spread | 0% | 3% |
| Net cost on test | N/A | |
| Base cashback | 0 | |
| Custody | Custodial | Custodial |
| Virtual card | Yes ($10) | |
| Physical card | No | |
| Spend limit | Custom configurable by admin | |
| ATM withdrawals | No | |
| Setup time | 20 minutes | |
| KYC steps | 0 | 4 |
| Score | 9/10 | 6/10 |
XPlace
Infini
Infini is a highly specialized corporate expense platform rather than a standard consumer crypto card. If you are a business looking to fund SaaS and ad campaigns directly with stablecoins, the API controls and flat 1.5% uncapped stablecoin cashback are excellent. However, for everyday retail consumers, the $10 virtual card issuance fee and massive 3% non-USD FX fee on the base tier make it impractical for daily spending. Only use if you're a business
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+