Xcentra — TheDigital Finance
Spend stablecoins like USDC and USDT anywhere cards are accepted with Xcentra virtual and physical debit cards. Built for global travelers, expats, and the modern digital economy.
PHYSICAL5412 7890 1234 5678
VALID THRU
12/28
CARDHOLDER
GLOBAL CITIZEN
VIRTUAL4900 1188 7723 4056
VALID THRU
12/28
CARDHOLDER
GLOBAL CITIZEN
As Seen In
Direct Stablecoin Spending for Your Daily Life
Xcentra is a fintech platform that makes stablecoins usable as everyday money. Instead of holding stablecoins only as digital assets, users can spend them in real life through Xcentra cards — globally.
Welcome back
My Wallet
Total Balance
$4,950.75
Assets
XHAVIC
Xhavic
12,500.00
$3,125.00
USDC
USD Coin
2,450.00
$2,450.00
USDT
Tether
1,820.50
$1,820.50
DAI
Dai
680.25
$680.25
Payment Successful
-£4.85 at Starbucks
Xcentra Global Cards
Virtual and physical debit cards that let you pay for coffee, groceries, travel, subscriptions, and daily expenses.
PHYSICAL5412 7890 1234 5678
VALID THRU
12/28
CARDHOLDER
GLOBAL CITIZEN
GOLD4821 6390 0052 7741
VALID THRU
12/28
CARDHOLDER
GLOBAL CITIZEN
PLATINUM5500 3412 8899 1062
VALID THRU
12/28
CARDHOLDER
GLOBAL CITIZEN
Virtual & Physical Cards
Get both virtual and physical stablecoin debit cards for online and in-store use.
Global Merchant Acceptance
Accepted at over 150 million merchants worldwide wherever card payments work.
Real-Time Conversion
Stablecoins convert to local currency instantly at the point of sale.
Designed for Daily Use
Built for everyday purchases — coffee, groceries, travel, subscriptions.
Launch Your Own Branded Card
Launch your own branded virtual and physical debit cards powered by the Xhavic blockchain. Your brand, our infrastructure.
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VALID THRU
12/28
CARDHOLDER
GLOBAL CITIZEN
Custom Branding
Your logo, your colors, your brand identity on every card — physical and virtual.
Xhavic Blockchain Powered
Built on the Xhavic blockchain for secure, transparent, and fast transactions.
Full Program Management
We handle compliance, issuance, and infrastructure — you focus on your customers.
Global Acceptance
Cards accepted at 150M+ merchants worldwide with real-time conversion.
How Xcentra Works
From stablecoins to spending money in four simple steps. No manual conversions, no complicated processes.
Add Stablecoins
Load your Xcentra balance with USDC or USDT from any wallet or exchange.
Pay Anywhere
Use your Xcentra virtual or physical card online or at any point-of-sale terminal.
Instant Conversion
Xcentra converts your stablecoins to local currency in real-time at checkout.
Spend Globally
Keep spending worldwide just like a traditional debit card — no friction, no delays.
Building the Future of Global Payments
From stablecoin cards to a full financial ecosystem. Track our progress in real time.
Last updated — February 2026
Global Spending Cards
Spend stablecoins like real money — anywhere in the world.
Global Payouts
Move money from stablecoins to bank accounts in 100+ countries.
Global USD Accounts
A USD IBAN facility to receive salaries, invoices, and B2B payments.
Merchant Ecosystem
Proprietary PoS network with ultra-low fees and better rewards.
Want early access to upcoming features?
Join Early AccessReal Use Cases for Xcentra
See how people around the world use Xcentra to simplify their financial lives.
0%
FX Markup
Run Global Operations Without Bank Limits
Run Global Operations Without Bank Limits
From global businesses to freelancers and remote teams — manage cross-border spending without bank limitations. Pay contractors, cover operational costs, and handle client payments in stablecoins with instant settlement.
Receive client payments in USDC/USDT from anywhere
Issue Xcentra cards for team members and contractors
Pay global expenses without FX markups or delays
Track spending across departments in real-time
Loved by Users Worldwide
Real success stories from people that trust Xcentra for seamless and borderless payments.
David R.
Freelance Developer
“Easy integration, transparent pricing, and lightning-fast payouts! I highly recommend Xcentra for any growing business.”
Sarah J.
E-Commerce Owner
“As an e-commerce store, I needed a seamless checkout experience. Xcentra made it happen!”
Ethan S.
Digital Nomad
“Recurring payments have never been smoother. Xcentra automated our billing and saved us hours of manual work!”
Maria L.
Content Creator
“Living in a high-inflation country, keeping my earnings in USDT and spending only what I need has been a game changer.”
Alex K.
Software Engineer
“Finally a crypto card that just works. No complicated staking, no volatile tokens. Just load USDC and spend anywhere.”
Priya M.
Travel Blogger
“I travel 8 months a year. Xcentra lets me pay in any country without worrying about conversion rates or bank fees.”
James T.
Startup Founder
“We pay our global team with Xcentra. No more international wire delays — everyone gets paid the same day.”
Lina W.
Graphic Designer
“Getting paid in USDC from US clients and spending it with my Xcentra card locally is incredibly smooth.”
David R.
Freelance Developer
“Easy integration, transparent pricing, and lightning-fast payouts! I highly recommend Xcentra for any growing business.”
Sarah J.
E-Commerce Owner
“As an e-commerce store, I needed a seamless checkout experience. Xcentra made it happen!”
Ethan S.
Digital Nomad
“Recurring payments have never been smoother. Xcentra automated our billing and saved us hours of manual work!”
Maria L.
Content Creator
“Living in a high-inflation country, keeping my earnings in USDT and spending only what I need has been a game changer.”
Alex K.
Software Engineer
“Finally a crypto card that just works. No complicated staking, no volatile tokens. Just load USDC and spend anywhere.”
Priya M.
Travel Blogger
“I travel 8 months a year. Xcentra lets me pay in any country without worrying about conversion rates or bank fees.”
James T.
Startup Founder
“We pay our global team with Xcentra. No more international wire delays — everyone gets paid the same day.”
Lina W.
Graphic Designer
“Getting paid in USDC from US clients and spending it with my Xcentra card locally is incredibly smooth.”
Xcentra for Your Region
Tailored solutions for global citizens in every major market.
Xcentra for MENA
Local currency: AED / SAR / EGP
From Dubai to Riyadh to Cairo — Xcentra empowers freelancers, entrepreneurs, and the growing digital economy across the Middle East & North Africa with borderless spending.
Learn MorePopular use cases
Frequently Asked Questions
Everything you need to know about Xcentra and stablecoin spending.
Yes. Xcentra cards allow you to spend stablecoins like USDC and USDT at merchants worldwide by converting to fiat instantly at checkout. No manual off-ramping needed.
GOLD4821 6390 0052 7741
VALID THRU
12/28
CARDHOLDER
GLOBAL CITIZEN
PHYSICAL5412 7890 1234 5678
VALID THRU
12/28
CARDHOLDER
GLOBAL CITIZEN
Make Stablecoins Practical
— Not Just Digital
Join thousands of global citizens already using Xcentra to bridge the gap between crypto and everyday life.
Borderless spending. Real-world utility. Built for global citizens.