Spend Now,
Pay Later.
Unlock up to 60% of your gold as spending power — and keep 100% of it. Never sell to pay.
Gold you spend,
you don’t get back.
You believe it’s worth holding. Selling to pay for things gives that away — piece by piece, gain and all.
With XAUE, it doesn’t have to be. Your gold keeps earning — even while you spend against it.
Earn. Spend. Keep.
Stake it to earn, or spend it without ever selling — how your gold works is your call. Gold yield was once reserved for minters; now it’s open to every cardholder.
Pledge your gold
Lock XAU₮ as collateral. It stays yours — and keeps earning. Your gold rewards compound automatically each month, reinvesting into your credit line.
Spend against it
Draw a credit line of up to 60% and spend anywhere Visa is accepted, in store or online.
Repay, and keep it
0% interest when paid in full every month — cheaper than borrowing against gold elsewhere. Your gold, and every gain in it, is yours.
Built for how much you hold.
XAUE Infinite Card
Higher limits and richer rewards for larger pledges.
- Credit line grows with your gold — pledge more, spend more
- 0.8% gold rewards a year
- Enjoy 2–3% cashback on up to $30,000 of purchases each year.
- USDT Prepaid — 1% cashback
- $1M Travel Protection | DragonPass Lounge Access | More Perks on the Way.
XAUE Lite Card
A low barrier to entry with total flexibility — the choice is entirely yours.
- 0.4% gold rewards a year
- Earn 1% cashback on your first $1,500 in annual spending.
- USDT Prepaid included — spend anywhere, anytime
- No entry minimum — start where you like
- Upgrade to Infinite anytime
Both cards · 0% interest when paid in full monthly · 60% LTV credit line against your pledged XAU₮ · Accepts XAU₮ and USDT deposits
Membership Tiers and Benefits
Stake higher, tier up, earn more.
| LITE | Infinite VIP 1Daily avg ≥ 0.1 XAU₮ · ≈$400 | Infinite VIP 2Daily avg ≥ 25 XAU₮ · ≈$100,000 | Infinite VIP 3Daily avg ≥ 50 XAU₮ · ≈$200,000 | |
|---|---|---|---|---|
| XAU₮ yield (APY) | 0.4% | 0.8% | 0.8% | 0.8% |
| Cashback | 1% | 2% | 2.5% | 3% |
| Cashback-eligible spend / mo | $125 | $800 | $1,700 | $2,500 |
| Referrer cashback (of spend) | — | 0.2% | 0.2% | 0.2% |
| Referrer cashback cap / yr | — | $20 | $50 | $100 |
| Base annual fee | $15 | $180 | $180 | Next Year Waived |
| Annual-fee rebate (referrer / referee) | $1.5 one-time | $15 one-time | $15 one-time | $15 one-time |
Earn while you explore. Infinite VIPs get 1% monthly cashback on USDT top-ups with zero staking or gold exposure, plus a yearly balance rollover. When it's time to fly, enjoy a complimentary lounge pass and $1M in travel coverage. More benefits on the way.
Yield in Gold. Cashback in USDT.
Put your assets to work. Yield XAU₮ on your gold and earn USDT on your spend. You get real rewards in real assets — no points, no gimmicks.
Real gold · Verifiable · Yours
Frequently asked questions
Everything you need to know about the XAUE Gold Card.
Is XAUE a bank?
Not a bank — a crypto-backed card platform. Your card runs on VISA rails, and your funds are either pledged XAU₮ (your gold, kept as collateral) or prepaid USDT you top up. You manage your gold; we give you a way to spend against it.
Where can I use my card?
Anywhere VISA is accepted — in store, online, and overseas. If they take VISA, your XAUE card works.
Can I add it to Apple Pay and Google Pay?
Yes. Add your XAUE card to Apple Pay or Google Pay and tap to spend like any other card.
How do rewards work?
Each month, USDT cashback offsets your repayment. XAU₮ holdings generate yield, compounded into your credit line. Infinite VIP cardholders earn an extra 1% rebate on USDT prepaid. Repay your credit line in full monthly for 0% interest.
For the full tier and returns breakdown, see the “Card benefits” table above.
Earn real cashback and yield—then spend your gold without selling it.
Is there a limit to my referral?
No — refer as many people as you like. On top of the one-time sign-up bonus, as long as the Infinite cardholders you refer stay active, every purchase they make earns you 0.2% cashback — capped at up to $100 a year depending on their card tier, and it resets every year, rolling.
Are there fees or interest?
Both cards give you the power to pay 0% interest when you settle your balance in full each month. Carrying a balance? Our standard rate is just 12% p.a.
All-in transaction fees, zero hidden FX surcharges. Pay 1%–2.2% on Lite and 0.25%–1.5% on Infinite across all domestic and international payments, keeping your overseas spend well below standard bank rates.
Keep an eye on the XAUE app for limited-time promotional rates and fee discounts during special events!
Who holds my gold?
Your pledged XAU₮ is held by a Hong Kong–licensed custodian as your collateral, segregated from company funds. Each XAU₮ is Tether Gold — a token backed one-to-one by allocated physical gold held in Switzerland (LBMA Good Delivery), independently attested each quarter by BDO Italia.
Can I get my funds back?
Yes. Pay your bill in full and you can withdraw your XAU₮ completely — or make a partial withdrawal anytime. Just note that reducing your collateral lowers your available credit line proportionally. No one-way doors.
What if my card is lost or stolen?
Freeze it instantly in the app — one tap, and no one can spend. Unfreeze just as easily when it turns up.
Invitation-only, for now.
We’re onboarding cardholders in waves. Join Waitlist and we’ll tell you the moment your region opens.