Plasma One

Plasma One is a single account for global money — spend, earn and send stablecoins from one app. It pairs a stablecoin / multi-currency account with a Visa debit card in three tiers (Lite, Core, Platinum), Apple Pay integration, up to 4% cashback on every qualified purchase, up to 6% yield on your balance, and $0 cross-border stablecoin transfers.

Card products — The Plasma One Collection

• Lite: 2% base cashback, $0 card cost, 0.25% referral rewards, 1 free virtual card, standard fees, standard support.
• Core (Visa Signature): 3% base cashback, 5% AI cashback, 1% referral rewards, ChatGPT Go subscription included, reduced fees, priority support, up to 2 free virtual cards. 'Built for everyday AI spending.'
• Platinum (Visa Infinite): 4% base cashback, 10% AI cashback, 1% referral rewards, Claude Pro and ChatGPT Plus subscriptions included, up to $600/year flight cashback, no added fees, VIP support, up to 3 free virtual cards.

Spend

• Use anywhere Visa is accepted (Visa Signature on Core, Visa Infinite on Platinum).
• Apple Pay for contactless, in-app and online checkout.
• Free virtual cards on every tier — burnable card numbers for subscription and online spend control.

Earn

• Up to 6% yield on your stablecoin balance — paid out inside the app.
• Cashback up to 4% base / up to 10% on qualifying AI spend (Platinum).
• Referral rewards: 0.25% (Lite) / 1% (Core, Platinum) — terms apply.

Send

• Cross-border stablecoin transfers in seconds, with $0 fees.
• One account for global money — hold, swap, send and spend stablecoins.

AI perks (unique selling point)

• Core includes a ChatGPT Go subscription.
• Platinum includes Claude Pro and ChatGPT Plus subscriptions.
• Higher AI cashback (5% Core, 10% Platinum) rewards spending on AI products — making Plasma One especially attractive for AI power users.

For whom

Plasma One is built for AI-native spenders, remote workers, expats and global citizens who want one account for stablecoin savings, yield, cross-border transfers, and everyday card spend — with AI-subscription perks stacked on top of competitive cashback tiers.

One account for global money

• Spend, Earn, and Send — all from one Plasma One account.
• Up to 4% cashback on every qualified purchase.
• Up to 6% yield on your balance.
• $0 transfers — send and receive stablecoins across borders in seconds, with zero fees.
• Apple Pay integration for contactless, in-app and online spend.

The Plasma One Collection — 3 card tiers

• Lite: 2% base cashback, $0 card cost, 0.25% referral rewards, 1 free virtual card, standard fees, standard support.
• Core: 3% base cashback, 5% AI cashback, 1% referral rewards, ChatGPT Go subscription included, reduced fees, priority support, up to 2 free virtual cards. 'Built for everyday AI spending.'
• Platinum: 4% base cashback, 10% AI cashback, 1% referral rewards, Claude Pro and ChatGPT Plus subscriptions included, up to $600/year flight cashback, no added fees, VIP support, up to 3 free virtual cards. Visa Infinite.

Spend

• Use anywhere Visa is accepted — Visa Signature on Core, Visa Infinite on Platinum.
• Apple Pay for tap-to-pay, in-app and online checkout.
• Free virtual cards on every tier — burnable card numbers for subscription / online spend control.

Earn

• Up to 6% yield on your stablecoin balance — paid out inside the app.
• Cashback up to 4% base / up to 10% on qualifying AI spend (Platinum).
• Referral rewards: 0.25% (Lite) / 1% (Core, Platinum) — terms apply.

Send

• Cross-border stablecoin transfers in seconds, with $0 fees.
• One account for global money — hold, swap, send, and spend stablecoins.

AI perks

• Core includes a ChatGPT Go subscription.
• Platinum includes Claude Pro and ChatGPT Plus subscriptions.
• Higher AI cashback (5% Core, 10% Platinum) rewards spending on AI products.

Plasma One is a stablecoin-first account — the card draws from your stablecoin or fiat balance, with in-app swap for funding from other supported crypto.

Spendable assets (Card funding)

• USDT — Tether.
• USDC — Circle USD Coin.

Indirect crypto funding (via Plasma One in-app swap)

• BTC, ETH, SOL and other major tokens — swap to USDT / USDC inside the Plasma One app before spending on the card.

Direct spend from BTC, ETH or any other non-stablecoin asset is not the product focus; spend is funded by stablecoins or local fiat, with Plasma One handling the swap-to-stablecoin conversion in-app.

Supported fiat

• Hold balances in USD, EUR, GBP, SGD, AUD, CAD and other currencies — convert to stablecoins for spend or transfers.
• Cross-border stablecoin transfers in seconds with $0 fees.

Headline fee positioning

• Card cost: Lite has $0 card cost. Core and Platinum card costs not shown on the public /personal page — see the Plasma One Cardholder Agreement for tier pricing.
• Cross-border transfers: $0 — send and receive stablecoins across borders in seconds with zero fees (per the official /personal page).
• Yield: Up to 6% on your balance — variable, platform-controlled rate.
• Cashback: Up to 4% base cashback; up to 10% AI cashback on qualifying AI spend.

Fees by tier (per official /personal page)

• Lite: 'Standard fees' — exact fee schedule in the Cardholder Agreement.
• Core: 'Reduced fees' — lower than Lite.
• Platinum: 'No added fees' — the most fee-favorable tier.

Other fees (in Cardholder Agreement)

• Issuance fee, monthly fee, ATM withdrawal fee, conversion fee, FX fee — disclosed inside the Plasma One Cardholder Agreement and in-app fees page rather than the public homepage.
• Virtual cards beyond the tier's free allotment may carry per-card fees.

ATM fees

• ATM withdrawals supported worldwide via Visa — fees vary by region and tier; disclosed in the in-app Card Fees page.

Always check the live schedule

The authoritative fee schedule is in the Plasma One Cardholder Agreement and the in-app fees page — fees may vary by region and over time.