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A Visa card funded in dollar stablecoins that you can add to Apple Wallet, with cashback in XPL. What makes it good, what it costs and how to get one.

  • About 3 min
  • 5 steps
  • Our pick
  • Updated October 20, 2026

Before you start

Region
Mainland China IDs aren’t accepted by default (if you live in a supported country, a proof of address may help), and some countries aren’t supported

Steps

  1. Step 1: What Plasma One is

    The art on this site goes onto a card that’s already in Apple Wallet. If you don’t have one yet, Plasma One is a good place to start: a Visa card issued by Rain, with your balance in USD₮ (a dollar stablecoin), that you can add to Apple Wallet and use with Apple Pay. It comes from Plasma, a blockchain built for stablecoin payments whose token is XPL. For more, see the Plasma One website⁠(opens in a new tab).

  2. Step 2: What makes it good

    A card the site owner genuinely recommends. What stands out:

    Top-ups
    USD₮ deposits are free from 9 networks, including Plasma, Ethereum, Solana and Tron
    Spending
    A Visa card accepted in over 180 countries; add it to Apple Wallet and pay with Apple Pay
    Cashback
    2–4% back in XPL on every purchase, up to 10% on AI services
    Account
    A non-custodial smart account, with keys managed by Privy
    Cards
    Get a virtual card once you’re verified; freeze it or set daily limits in the app

  3. Step 3: Cashback and fees

    Cashback is paid in XPL across three tiers — Lite, Core and Platinum — and higher tiers earn more. XPL’s price moves, so the value of your cashback isn’t fixed.

    • Lite

      Start spending with Plasma

      Base cashback
      2%
      AI cashback
      —

      Annual cost: depends on your region ($0 on the website)

    • Core

      Built for everyday AI spending

      Base cashback
      3%
      AI cashback
      5%

      Annual cost: $199, or lock 20,000 XPL for a year

    • Platinum

      For those who never settle

      Base cashback
      4%
      AI cashback
      10%

      Annual cost: lock 150,000 XPL for a year (100,000 during the promotion)

    These rates apply to the first $500 (Lite), $1,000 (Core) or $3,000 (Platinum) you spend each month, and drop after that. AI cashback covers the first $250 (Core) or $500 (Platinum) a month and replaces base cashback. Card images are from Plasma’s website; tiers and costs are as shown in the app.
    Getting a card
    Lite: deposit $10 first (not a fee — you can spend it); some regions charge a $10 card fee instead, as shown in the app
    USD purchases
    No additional fees
    Foreign currency
    Lite: about 2% (1% Plasma markup plus about 1% to Visa); Core: about 1.5%; Platinum: none
    Other crypto deposits
    USDC is free up to $30,000 per deposit; ETH, WBTC and others convert to USD automatically for 0.15–0.75%

    ImportantPlasma isn’t a bank, stablecoin balances aren’t bank deposits, and XPL can fall to zero. This isn’t investment advice; follow the laws where you live.

  4. Step 4: Sign up with an invite code and verify your identity

    Plasma One is still in early access, so you need an invite code to sign up. You can use the owner’s invite link⁠(opens in a new tab) to download the app and sign up; if you’re asked to type the code, it’s 3C98NT. Then follow the app to upload an ID and complete a liveness check. Once approved, you can get a virtual card.

    Invite code
    3C98NT

    TipSpend $100 across at least two different merchants within 14 days of signing up with this code, and you and the site owner each get $10 in spend credit (card spending only, not withdrawable). CardArt isn’t affiliated with Plasma.

  5. Step 5: Add it to Apple Wallet and change the art

    In the app, go to Card Settings and tap Add to Apple Wallet. Whether Apple Pay works depends only on the country you verified with; changing your Apple ID region won’t help. Once it’s in Wallet, you can change its art with AirCard — see the Mac, Windows or iPhone guide — and pick a design on Explore.

  6. Done

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