A-Tier - Strong picksNeobank / money appVisa

Plasma One

The stablecoin neobank on its own L1: free 2% cashback tier plus yield on idle dollars.

Plasma One is the consumer face of Plasma, a layer-1 built specifically for stablecoin payments. The balance sits in a self-custodial smart wallet, spends through a Visa card in 166 countries, earns up to 5% on idle funds and pays XPL cashback weekly - with a genuinely free 2% tier. It launched in June 2026, so the main caveat is youth: the yield and cashback programs are promotional-stage economics.

Go to official site View all cardsData verified: 2026-07

Max cashback

4% (XPL (weekly))

Monthly fee

Lite tier free; Core $120/yr or 20,000 XPL locked; Platinum requires 100,000 XPL locked

Custody

Self-custody

Regions

Global, Latin America, Asia-Pacific, Europe

Fees

Monthly feeLite tier free; Core $120/yr or 20,000 XPL locked; Platinum requires 100,000 XPL locked

IssuanceVirtual card free on Lite

FXNo Plasma fees; partner FX/withdrawal fees shown in-app before confirming

ATMPartner fees apply; disclosed in-app

Top-upsStablecoin-native: balance lives in a self-custodial smart wallet on Plasma, idle funds earn up to 5% yield

Cashback

2% - 4%Paid in XPL (weekly)

Lite 2%, Core 3%, Platinum 4% base (with boosted categories and a $1,000/month cap on Platinum), paid weekly in XPL. Idle balances earn up to 5% stablecoin yield.

Availability

166 countries as of July 2026; launched publicly in June 2026.

GlobalLatin AmericaAsia-PacificEurope

Pros & cons

Pros

Free tier with real 2% cashback
Up to 5% yield on idle stablecoin balance
Self-custodial smart wallet architecture
166 countries at launch

Cons

Very young product (public since June 2026)
Top tiers require locking large XPL amounts
Cashback paid in the volatile XPL token
Partner fees on FX and withdrawals

Best for

Stablecoin savers who want yield + spending
Free-tier cashback hunters
Emerging-market dollar accounts

Alternatives

KAST

A stablecoin neobank: hold digital dollars, spend them anywhere with USD cashback.

Tria

Self-custodial Visa neofinance app: trade, earn and spend 1,000+ assets from your own keys.

Gnosis Pay

The self-custodial Visa: your keys, your balance, on Gnosis Chain.

This is not financial advice. Conditions change frequently: verify fees, cashback and availability on the official site before signing up.