Plasma
Crypto Card
Plasma One lets users spend stablecoins directly from a self-custodial balance through a Visa card, advertising up to 4% cashback and up to 6% yield on unspent balances. Note: the higher rates need a paid Core plan or an XPL lock, the top Platinum tier can only be unlocked by locking XPL, and the free Lite tier pays less.
Plasma One is a stablecoin-native neobank built on the Plasma blockchain, letting users load a self-custodial Visa card with USDT and USDC and spend in over 180 countries. The card is issued by Rain and pairs spending with yield on idle balances.
Partner Fees on FX and Withdrawals
Foreign exchange and bank withdrawals carry partner fees shown in the app, and Plasma only covers the Visa FX fee on card spend at the Platinum tier.
Rewards Paid in XPL
Cashback is paid in Plasma's own XPL token or as Spending Credit, and XPL can lose value, including to zero.
Top Rates Need XPL Locks
The Platinum tier, with the highest cashback, can only be unlocked by locking XPL for 12 months, and locked XPL cannot be released early.
Traditional cashback programs are often limited in value and speed.
The Oobit crypto card delivers a next-generation experience, instant, global, and crypto-native.
Plasma
Cashback
Up to 10%
Up to 4%
Earning
Every payment
Eligible purchases
Timing
Instant
Not disclosed
Setup
Pay from wallet
Self-Custody
Yes
Card activation fee
Free
Free on Lite tier
Oobit is built on established card infrastructure, with 10% cashback with OOB, 5% with USDT and no need to lock a token for 12 months to reach its rates. That makes it a practical alternative to Plasma One for users who do not want to lock XPL for higher rewards.
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Bitcoin.com
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VeChain foundation
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Questions?
Answers.
What is Plasma One?
Plasma One is a stablecoin app and card from Plasma that lets you spend from your balance in store and online. It offers three tiers: Lite, Core and Platinum. Lite is free with no subscription or XPL lock, while Core needs an annual subscription or an XPL lock, and Platinum needs an XPL lock.
How much cashback does Plasma One give?
Plasma One's free Lite tier lists 2% base cashback. Higher rates come with the Core and Platinum tiers, which require a subscription or locking XPL for 12 months. Rates step down across bands of monthly spend, and cashback is paid in XPL or as Spending Credit, according to Plasma's rewards terms.
Is the Plasma One card free?
The Lite tier lists a $0 card cost and one free virtual card. Core and Platinum cost more: Core needs an annual fee or an XPL lock, and Platinum needs an XPL lock, which cannot be released early. The Oobit card is free, and purchases have a 1% fee.
Do I need to lock XPL to use Plasma One?
Not for the Lite tier. To unlock Platinum you must lock XPL for 12 months, and Core can be unlocked with XPL or an annual subscription. Plasma says locked XPL cannot be unlocked early and may lose value. The Oobit card is free, and Oobit gives 10% cashback with OOB, 5% with USDT.
How is Plasma One cashback paid?
Plasma says cashback accrues in US dollars and is paid either in XPL or as Spending Credit. Spending Credit can only be used for future eligible card purchases, cannot be withdrawn and is lost if you close your account. Oobit gives 10% cashback with OOB, 5% with USDT.
What is a good Plasma One alternative?
Oobit is an alternative if you want to pay from a wallet you already use. Oobit is a self-custodial crypto card that connects to wallets such as MetaMask, Trust Wallet or Phantom, and works in store (tap to pay, Apple Pay, Google Pay) and online at 175+ million merchants in 80+ countries.
Open your treasury, hold dollars, and start paying the world.
Abre tu tesorería, guarda dólares y empieza a pagarle al mundo.
Abra seu tesouro, guarde dólares e comece a pagar o mundo.
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Oobit provides technology that enables users to spend digital assets through existing payment networks. Services are subject to regional availability and regulatory requirements. Oobit operates through multiple entities globally. Certain features may be provided by licensed partners depending on your location.
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