Xkard operates under a zero-knowledge model — meaning we never collect, request, or store personal data. You can top up and spend your crypto freely, with complete privacy and without going through any KYC process.

Anyone, regardless of location, can apply — except individuals from sanctioned countries. There are no other restrictions.

The Xhype Card is available globally. However, usage and membership are strictly restricted for individuals who are residents or citizens of countries subject to international sanctions.

Foreign currency exchange fee: Standard fee.
‍USDT recharge fee: 2.3%-4.5% (depending on the selected card type).
‍Annual card issuance or renewal fee: Based on the card type ($9/month, $19/month, $49/month – paid annually).
‍Inactivity fee: None.
‍Card cancellation fee: None.

Simply send USDT to the provided deposit address within your account via the BNB (BEP20) or Tron (TRC20) network, and then load your card with the available balance.

We strongly discourage using mixers, tumblers, or similar tools to fund your Xkard. While we operate under a zero-knowledge model, all deposits are screened through AML systems. Transactions that fail AML compliance — such as those linked to anonymization services — may be flagged and rejected.

Xhype is the first zero-data decentralized marketplace. Learn more at xhype.io.

Absolutely. Once you recharge your xkard, your funds are securely held by our fully licensed issuer, ensuring institutional-grade protection. Xhype does not hold or control your funds.

We offer prepaid virtual cards issued by major payment networks. Unlike debit cards, which are linked to a bank account, prepaid cards require you to top up your balance before spending.

Yes, Xhype operates fully within the legal framework of the jurisdictions where we are registered. We follow all applicable financial regulations while ensuring maximum privacy and financial freedom for our users.

Our business structure is designed to provide a seamless, global, and compliant crypto-to-fiat solution. Xhype Card is issued through licensed financial partners that operate under the regulatory framework of their respective jurisdictions, ensuring security and reliability in all transactions.

Unlike traditional financial institutions, we follow a zero-knowledge model and do not require KYC, as we are not a custodial entity. Your funds remain secure within the regulated infrastructure of our fully licensed issuer, subject to strict banking regulations, offering you the same level of protection and acceptance as any other major card provider.

If you exceed your card’s top-up limits, you have two options: wait for the limits to reset after one year or purchase additional cards. There is no restriction on the number of new cards you can acquire. Keep in mind that all cards renew annually unless canceled.