Head to head
Gnosis App vs XPlace
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Gn Gnosis App | XP XPlace |
|---|---|---|
| Overall rank | #22 of 27 | #3 of 27 |
| FX spread | 0% | 1% |
| Base cashback | 5% cashback | 1% + 1% |
| Custody | Self-Custodial | Non-Custodial |
| Virtual card | Free | Yes |
| Physical card | €30 | Yes (Gated) |
| Spend limit | €5,000 per transaction / €8,000 daily | $2000 lower tier - $750,000 highest tier |
| ATM withdrawals | 5 free ATM withdrawals per month or up to €200 | |
| Setup time | 20 minutes | ~10 minutes |
| KYC steps | 3 | 3 |
| Score | 6/10 | 8.5/10 |
Gnosis App
Gnosis Pay is arguably the most secure and technically advanced self-custodial card available, backed by one of the most respected teams in the sector. Self-custody plus a 0% FX fee is a rare combination. Standard KYC still applies and availability is limited to the EU and Argentina.
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+