Frequently Asked Questions
Everything you need to know about Xcentra, stablecoin spending, fees, security, and our upcoming products.
Getting Started
Visit our website and click 'Get Xcentra Card'. Complete the KYC verification process, and you can have a virtual card ready in minutes. Physical cards ship to your address after verification.
Cards & 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.
Fees & Pricing
Xcentra charges a flat 0.5% conversion fee per transaction — that's it. No monthly fees, no hidden FX markups, no foreign transaction surcharges. Virtual cards are free, physical cards cost a one-time $10. ATM withdrawals are free up to $200/month.
Security & Trust
Xcentra uses enterprise-grade security including AES-256 encryption, 2FA, biometric login, instant card freeze from the app, and real-time AI-powered fraud monitoring. We maintain full KYC/AML compliance and undergo regular third-party security audits.
Upcoming Products
An upcoming feature that lets you send funds from stablecoin balances directly to traditional bank accounts in 100+ countries — faster and cheaper than international wire transfers. No $30+ wire fees, no 3-day delays.
Still Have Questions?
Can't find what you're looking for? Our support team is available 24/7 to help you.