Person expressing freedom

Digital assets that spend like cash.

Tap your card. Send to any bank.

Convert to 20+ currencies.

One price, no subscriptions.

Built on real infrastructure. No gimmicks.

Licensed Platform
Licensed PlatformOffshore Banking Sublicense
Stellar Partner
Stellar PartnerRecognized by Stellar
KYC/AML Compliant
KYC/AML CompliantLegally Required. We do it.
Visa Network
Visa NetworkAccepted Worldwide
Apple PayGoogle Pay
Apple & Google PayAll Card Tiers
Real Human Support
Real Human SupportTelegram, Discord, Ticket

How It Works

Three steps. No surprises.

VisaStellarAppleGoogle
CARD TOP-UP3% FEEEXCHANGE0% FEEBTC · SOL · SUI · XLM · USDT · USDC
01

Deposit Crypto

BTC, SOL, SUI, XRP, XLM, USDT, or USDC. 3% deposit fee on card top-ups. 0% on exchange deposits.

0.6% FOREX PER TXVISA · APPLE PAY · GOOGLE PAY · LOCAL BANKSWORLDWIDEAPPLE / GOOGLE PAY20+ CURRENCIES
02

Spend, send, or convert

Use your card anywhere Visa is accepted. Apple Pay. Google Pay. Online, in store, anywhere. Send to local bank accounts in 20+ currencies. Swap cross-chain with no gas or bridging fees.

TX 1TX 2TX 3VIRTUAL0.05%PLASTIC0.1%METAL0.2%GOLD0.4%UNCAPPEDEVERY TRANSACTION · NO CAP · NO FINE PRINT
03

Get paid back in BTC

Uncapped cashback on every transaction. 0.05% to 0.4% depending on your card tier. No cap. No fine print.

App — V2 launching soon

Everything in one place.

Cards, balance, exchange and rewards — one dashboard, zero friction.

Indicative prices
payment.thexbank.io
Total balance
$19,693
+3.2%· today
24h
7d
30d
Deposit
Send
Swap
Buy / Sell
Your cardActive
TXBFI Metal Card
Spent · month
$1,204
Cashback · ytd
+$82.40
Holdings
BTC
Bitcoin
BTC
$12,058
+2.4%
XLM
Stellar
XLM
$1,190
+1.2%
USDC
USD Coin
USDC
$1,200
+0.0%
SOL
Solana
SOL
$3,582
-0.6%
XRP
Ripple
XRP
$1,664
+4.1%
ActivityView all →
Apple Pay · Waterstones
Today · 14:22
−$24.80
Deposit · USDC
Today · 09:10
+$500.00
Swap · XLM → BTC
Yesterday
$1,200
Cashback · Metal tier
2 days ago
+$8.40
SEPA · Bank transfer
2 days ago
−€120.00

Spend. Send. Swap.

Three capabilities. One platform.

Card works anywhere Visa is accepted. Apple Pay, Google Pay, online, in store, anywhere.

Coming Soon

One App, everything

Login, KYC, exchange, cards, and brand rewards. All in a single mobile app.

Your Card
TXBFI Metal
•••• 4821
12/28
VISA
StatusActive
Spent today$240.00
Limit$10,000
Freeze
Details
Portfolio
$12,840
+3.2% today
B
Bitcoin
0.15 BTC
$9,420
S
Stellar
8,420 XLM
$1,180
Rewards
2.4%
Cashback rate
This month
$128
+$18 vs last
+
Grocery Store
2 hours ago
+$1.20
+
Amazon
Yesterday
+$3.60
+
Uber
2 days ago
+$0.85

FAQ

Four tiers: Virtual ($25), Plastic ($300), Metal ($1,000), and Gold ($10,000). All lifetime pricing. No monthly or annual fees.

One-time. You pay once and the card is yours for life. No subscriptions. No renewals.

Deposit fee from 1.8% on card top-ups (2.6% Virtual/Plastic, 2.4% Metal, 1.8% Gold). 0.6% forex per international transaction. $0 monthly. $0 annual. That's every fee we charge.

No. BTC cashback is uncapped at every tier. 0.05% (Virtual) to 0.4% (Gold). No monthly limit. No fine print.

Virtual cards support Apple Pay and Google Pay. Physical cards support Google Pay only.

Yes. TXBFI holds a VASP license and operates in compliance with EU and Czech AML regulations.

BTC, SOL, SUI, XRP, XLM, USDT, USDC. Cross-chain swaps with no gas or bridging fees.

Ready to spend your crypto?

One card, no subscriptions, no hidden fees. Get started in minutes.

Get Your Card