Xera Cash XERA

Xera Cash Documentation

Introduction

Xera Cash is a non-custodial virtual crypto card built on Solana that allows you to spend your USDC anywhere in the world. Experience the speed of Solana with instant settlement and zero hidden fees.

Note: Xera Cash is currently in beta. Join our waitlist to get early access.

Quick Start

Get started with Xera Cash in three simple steps:

1

Connect Your Wallet

Link your Phantom wallet to Xera Cash. No KYC required.

2

Deposit USDC

Send USDC to your Xera Cash vault. Funds are secured by smart contracts.

3

Start Spending

Use your virtual card online or add to Apple Pay / Google Pay for in-store purchases.

Connecting Your Wallet

Xera Cash supports Phantom wallet for seamless integration with Solana.

Supported Wallets

  • • Phantom Wallet (Recommended)
  • • Solflare
  • • Backpack

How It Works

Xera Cash leverages Solana's sub-second finality to provide instant crypto-to-fiat conversion. When you make a purchase:

  1. Your card balance reflects your wallet balance in real-time
  2. At checkout, USDC is instantly converted to fiat via our routing infrastructure
  3. Merchants receive fiat payments while you spend crypto
  4. No waiting for blockchain confirmations or custodial clearing

Virtual Cards

Each Xera Cash account comes with a unique virtual card that can be used for online purchases anywhere Visa is accepted.

Card Details

Card Number

**** **** **** 4092

Network

Visa

Currency

USD (USDC)

Type

Virtual

Instant Settlement

Unlike traditional crypto cards that rely on custodians and can take hours or days to settle, Xera Cash leverages Solana's lightning-fast blockchain for sub-second finality.

Average Settlement Time ~400ms

Self-Custodial Architecture

Xera Cash is fully non-custodial. Your funds remain in your wallet until the moment of spending, controlled by secure smart contracts.

  • ✓ You retain full control of your private keys
  • ✓ Funds are stored in smart contract vaults, not our wallets
  • ✓ Withdraw your funds at any time
  • ✓ No middleman risk or counterparty exposure

Disposable Virtual Cards

For added security when shopping with untrusted merchants, generate single-use virtual cards that automatically destroy after one transaction.

Use Cases

  • • Trial subscriptions (one-time charges)
  • • Unfamiliar merchants
  • • High-risk categories
  • • One-time purchases

Apple Pay & Google Pay

Add your Xera Cash virtual card to Apple Pay or Google Pay to spend at any retail location that accepts contactless payments.

🍎

Apple Pay

Available on iPhone, Apple Watch, Mac

📱

Google Pay

Available on Android devices

Security

Security is our top priority. Xera Cash employs multiple layers of protection to keep your funds safe.

  • • Smart Contract Audits - All contracts audited by leading security firms
  • • Non-Custodial - You control your keys, we can't access your funds
  • • Hardware Wallet Support - Compatible with Ledger and other HW wallets
  • • Transaction Limits - Configurable spending limits per card

Frequently Asked Questions

What is Xera Cash?

Xera Cash is a non-custodial virtual crypto card built on Solana that allows you to spend USDC anywhere Visa is accepted, online or in-store.

Do I need to complete KYC?

No! Xera Cash is fully non-custodial and doesn't require any identity verification. Simply connect your wallet and start spending.

What cryptocurrencies are supported?

Currently, Xera Cash supports USDC on Solana. Additional tokens coming soon.

Are there any fees?

Xera Cash charges zero hidden fees. There are no monthly fees, activation fees, or withdrawal fees. Network fees apply for on-chain transactions.

How fast are transactions?

Thanks to Solana's sub-second finality, your card balance updates in real-time - typically within 400ms.

Is my money safe?

Yes. Xera Cash is non-custodial, meaning your funds remain in your wallet until you spend them. We use audited smart contracts and industry-standard security practices.

Where can I use my card?

Your virtual card works anywhere Visa is accepted globally. Add it to Apple Pay or Google Pay for in-store purchases at millions of merchants.