# XPlace

> Live like the 1%

XPlace lets users spend crypto through a credit card by borrowing against their portfolio without selling assets, earning yield and rewards on Solana.

XPlace provides a non-custodial crypto credit card enabling users to access spending power by borrowing USDC against their cryptocurrency holdings. Users deposit assets into smart contract wallets where they generate daily yield, then borrow against those holdings to spend via Visa card through Apple Pay and Google Pay. The platform supports Solana and SPL tokens, offering cashback rewards in crypto and lifestyle perks including airport lounge access and concierge services.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2025-11-01
- Profile: https://thegrid.id/profiles/xplace

## Products

- [XPlace](https://thegrid.id/profiles/xplace): XPlace is a self-custodial crypto credit card platform enabling users to borrow USDC against cryptocurrency collateral for real-world spending via Visa card integration. The system maintains user assets in smart contract wallets generating yield while providing instant credit access through Apple Pay and Google Pay, with cashback rewards paid in crypto tokens and membership tiers offering lifestyle benefits. (Card, Live, Main Product)

## Links

- [Main](https://x.place)
- [Documentation](https://docs.x.place)
- [Twitter / X](https://x.com/xplaceapp)
- [Telegram](https://t.me/x_place)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP