Head to head
Oobit vs Plasma One
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Oo Oobit | Pl Plasma One |
|---|---|---|
| Overall rank | #8 of 11 | #11 of 11 |
| Gross FX spread | 17.5% | 2% |
| Net cost on test | $1.74, very expensive on small spends | |
| Base cashback | 1% (up to 10% on tiers) | 4 |
| Custody | Self-Custodial | Non-custodial |
| Virtual card | Free | Free, Core tier is ~$120-$199/yr or 10,000-20,000 XPL lock; Platinum tier is 100,000 XPL lock |
| Physical card | Not available, Apple Pay and Google Pay only | Upper tiers only |
| Spend limit | $5,000 daily / $150,000 monthly | |
| ATM withdrawals | Not supported (virtual only) | No ATM access on Lite tier |
| Setup time | ~7 minutes | 10 minutes |
| KYC steps | 5 | 4 |
| Score | 5.9/10 | 4/10 |
Oobit
Oobit's underlying technology is arguably the best on the market for true Web3 self-custody. But buy a R5,000 plane ticket and you pay a standard 1% fee; buy a R25 coffee and that $0.25 minimum hits you with a 15–20% effective markup every single time.
Plasma One
Plasma One combines self-custodial stablecoin spending with integrated DeFi yield, skipping the friction of swapping tokens. However, the free tier is limited; the premium tiers only give tokens as their cashback, and FX fee's are high. The gated code-invite mode is not recommended
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+