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Plasma
PlasmaVirtual + Physical

Plasma One

Plasma One is a single account for global money with Visa debit cards in 3 tiers (Lite, Core Visa Signature, Platinum Visa Infinite), up to 4% base cashback, up to 10% AI cashback, up to 6% yield on balance, $0 cross-border stablecoin transfers, Apple Pay, AI-subscription perks (ChatGPT Go / ChatGPT Plus / Claude Pro) and free virtual cards.

5.0
Global, North America, Europe, Asia-Pacific, Middle East, Africa Visa Visit website

Overview

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.

Plasma One targets globally mobile users with tiered Visa cards, which makes the KAST card and the Crypto.com Visa the most useful comparisons for anyone holding stablecoins across borders. The crypto cards directory lists the full field.

Features & Benefits

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.

Supported Cryptocurrencies

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.

Fees & Limits

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.

Pros & Cons

Pros

  • Single global-money account — spend, earn, send stablecoins in one app
  • Up to 4% base cashback on every qualified purchase (Platinum); up to 10% AI cashback on qualifying AI spend for AI power users
  • Up to 6% yield on your stablecoin balance — Earn passively while you hold
  • $0 cross-border stablecoin transfers in seconds — send and receive globally with zero fees
  • Three clear tiers — Lite ($0 card cost), Core (Visa Signature), Platinum (Visa Infinite)
  • Apple Pay integration for contactless, in-app and online spend
  • Free virtual cards on every tier — burnable card numbers for spend control (1 on Lite, up to 2 on Core, up to 3 on Platinum)
  • AI-subscription perks included — ChatGPT Go on Core, ChatGPT Plus + Claude Pro on Platinum
  • Up to $600/year flight cashback on Platinum
  • Fee tiering improves with rank — Standard fees on Lite, Reduced on Core, No added fees on Platinum
  • Referral rewards system on every tier (0.25% Lite, 1% Core/Platinum)
  • All-in-one app experience with downloadable mobile app and QR-code onboarding

Cons

  • Specific fee schedule (issuance, monthly, ATM, conversion, FX fees) not itemized on the public /personal page — it lives in the Plasma One Cardholder Agreement and in-app fees page
  • Card is a prepaid debit card — not a credit card, doesn't build credit history
  • Yield of 'up to 6%' is variable and not guaranteed — rate can change at any time; 'yield on your balance' is platform-controlled, not a money-market YSDC rate
  • AI cashback (5% on Core, 10% on Platinum) is only on qualifying AI-subscription / AI-product spend — base cashback on other spend is lower (3% Core, 4% Platinum)
  • Premium tier perks (ChatGPT Go, ChatGPT Plus, Claude Pro) require maintaining the relevant paid tier and may be subject to terms / change / availability by region
  • Premium tier (Platinum) likely carries the highest tier cost — exact cost not shown on the public /personal page
  • Referral rewards (0.25% Lite, 1% Core/Platinum) are typically capped and subject to terms
  • No clearly disclosed ATM fee, FX fee or monthly fee on the public marketing page — fees may apply at standard or 'reduced' rates per tier
  • Relatively new platform — full regulatory disclosures must be reviewed in-app before relying on the cashback / yield promises
  • 'Up to $600/year flight cashback' on Platinum is capped annually and subject to terms

Frequently Asked Questions

What is Plasma One?

Plasma One is a single account for global money — spend, earn and send stablecoins from one app. You get a Plasma One debit card (Lite, Core or Platinum tier) with up to 4% cashback on every qualified purchase, up to 6% yield on your balance, and $0 cross-border stablecoin transfers in seconds. The card is added to Apple Pay for contactless, in-app and online spend.

What card tiers does Plasma One offer and what are the perks?

Lite: 2% base cashback, $0 card cost, 0.25% referral rewards, 1 free virtual card, standard fees and 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. 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.

Which card network does Plasma One use?

The Plasma One Collection runs on the Visa network — Core is a Visa Signature card and Platinum is a Visa Infinite card. Use it anywhere Visa is accepted, including via Apple Pay.

Can I add the Plasma One card to Apple Pay?

Yes — the Plasma One card can be added to Apple Pay for contactless, in-app and online spend (per the official /personal page Apple Pay screen).

Does Plasma One earn yield on my balance?

Yes — Plasma One offers 'up to 6% yield on your balance' (per the official /personal page). The rate is variable and may change — see the in-app yield terms for current rates and conditions.

Are stablecoin transfers really free?

Yes — Plasma One offers '$0 transfers — send and receive stablecoins across borders in seconds with zero fees' (per the official /personal page).

What is AI cashback?

AI cashback (5% on Core, 10% on Platinum) is a cashback rate applied to qualifying AI-subscription / AI-product spend. Core also includes a ChatGPT Go subscription, and Platinum includes both ChatGPT Plus and Claude Pro, so the AI cashback applies on top of those subscriptions' spend.

Fees at a Glance

Setup / IssuanceFree
Monthly feeFree
Annual feeFree
ATM withdrawalATM withdrawals supported worldwide via the Visa / Visa Signature / Visa Infinite card networks; specific ATM fees depend on region and tier — see the Plasma One Cardholder Agreement and the in-app Card Fees page
FX feeCard spend from your stablecoin balance / fiat balance — conversion at the displayed rate at transaction time; specific FX markup disclosed in the Cardholder Agreement and in-app fees page
CashbackUp to 4%
Spending limitSpending funded from your stablecoin / fiat balance inside the Plasma One account; daily / monthly limits and tier-specific limits shown inside the app and the Cardholder Agreement

Supported Coins

USDTUSDCBTCETHSOL

Fiat Currencies

USDEURGBPSGDAUDCADCHFAEDHKDJPY

Available In

United StatesUnited KingdomEuropean UnionSingaporeAustraliaCanadaSwitzerlandUnited Arab EmiratesHong KongJapan
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