Card to the Future
Illustration in the plan's colour, not the issuer's artwork

Solayer Pay Card

VisaSelf-custodyKYC full

Solayer Pay is a Visa-compatible card from the Solayer (Solana) project that spends USDC straight from an on-chain balance. It costs $20 a year, charges a top-up fee and a $0.15 fee per USD purchase, and pays points rather than cash back; Solayer's own pages disagree on some fees.

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21Card Score, #28 of 36
−$176You keep a year
D45Trust points of 100
63%Key fields with a source

Plans side by side

Standard
Price
Yearly price$201,2,5Membership covers card access and maintenance for 12 months; the card docs call it a one-time account activation fee covering the virtual card for the first year
Virtual card feeFree1,5Covered by the $20 yearly membership
Physical card feeFree5Card itself is free; you pay shipping only
ShippingUS Express $24.99 (2-5 business days); international Express $59.99 (5-11 business days)5
Staking needed01
Other requirementsKYC, age 18+, supported region2
Rewards
Cashback0%3,8No cash back is published; spending earns Solayer Card Points instead
Paid inpoints3Solayer Card Points, which may unlock future $LAYER rewards and partner airdrops
PointsEvery transaction earns Solayer Card Points; 10% of referrals' points go to the referrer. Points value and redemption are not published3,8
PerksSolayer Card Points, Referral points (10%), Optional yield on sUSD balance (about 4-5%, not a card feature)3
Fees
FX fee1.5%1Issuer pages disagree: fee page says $0.10 + 1.5% on international (non-USD) transactions, FAQ says $0.10 + 1.75%. A user-reported EUR test (see tests) found the card the most expensive of five, including deposit and per-transaction fees
Top-up fee1%1Issuer pages disagree: fee page 1% of amount loaded, FAQ 0.5% per top-up, tutorial $0.10 per top-up
Inactivity feeNo fee; card is deactivated after six months without use and a new card must be requested1
Limits
Limit per payment$2505This is the ATM maximum per transaction including surcharges; purchase limits are not published

Real payments

MeasuredFinek chat member, Jul-17, 2026Small EUR purchase (EUR 6.18) paid in USD: Solayer cost $7.51, the highest of five cards (Backpack $7.11, Jupiter $7.15, Avici $7.15, KAST $7.31); the tester attributes it to the deposit fee plus a per-transaction fee10

What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.

What you keep

Subscription−$20
FX fee on foreign spend−$36
Fees on every purchase−$120
Net a year, Standard plan−$176

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator5 of 25

No issuer is named and no licence or regulator is published; the legal entity is a US company.7,8

Custody and fund protection10 of 20

Solayer says the card is non-custodial and on-chain, but funds are deposited into the card and no card terms confirm who controls them.8,4

Incidents in the last 24 months16 of 20

No incident found in the sources read.6

Track record and verified volume8 of 15

Live since Mar-2025 with about $29.8M total volume per Paymentscan, but activity fell to $144.7K in Nov 2026.6

Published fees and terms3 of 10

Fee page, FAQ and tutorial give different top-up and FX fees, and no card terms or issuer were found.1,2,4

Support and user sentiment3 of 10

Support is by app, email and Discord; no hours, ratings or review data found.5

Company

Legal entitySolayer Labs, Inc.7Named in the site terms; governed by New York law
Websitesolayer.org8

Issuer and licence

Program managerSolayer8
NetworkVisa6,8

The card

Statuslive2,5Virtual and physical cards can be ordered; Paymentscan shows very low activity in Nov 2026
Launched2025-036Per Paymentscan; physical card added May 2026 per press (search summary only)
FormsVirtualPhysical2,5Physical card in-store use was listed as coming soon in the FAQ; the card docs describe ATM use
Custodyself-custody8Solayer says it is non-custodial and fully on-chain, but funds are deposited into the card and no card terms were found to confirm who holds them
KYCfull2
KYC time3-5 business days2,3
Minimum age182
Settles inUSD1
Card currenciesUSD1

Funding

Crypto acceptedUSDC3
ChainsSolana6Per Paymentscan; docs do not name the deposit network
Deposit fees1% (fee page); 0.5% (FAQ); $0.10 (tutorial)1,2,4
Spends fromUSDC balance deposited into the card3,4

Payments

Apple Pay2
Google Pay2

Where it works

United States2Except some states
United Kingdom2
Excluded countriesCanadaCanadaUnited KingdomUnited KingdomIndiaIndiaChinaChina2FAQ also lists many other restricted countries and US states (Arizona, Nevada, Ohio)

Account

P2P transfersYes80% fees on P2P transfers
Yield on balance4.5%3About 4-5% on sUSD, a Treasury-backed stablecoin; optional, separate from card balance

Security

Freeze card2Freeze or unfreeze from the card dashboard

App

Web app3
SupportIn-app supportsupport@solayer.orgDiscord4,5

Reputation

Common complaintsHighest all-in cost of five compared cards on a small EUR purchase, due to deposit and per-transaction fees (user report)10

Adoption

On-chain spend, all time$29,810,0006543 transactions per Paymentscan

Referrals

User referralsReferrers earn 10% of their referrals' Solayer Card Points3

Regional differences

Internationalfx fee: 1.752

More details

Fee per USD transaction$0.15 per USD transaction; international transactions $0.10 plus the FX percentage1
Cards per accountMaximum 10 cards including cancelled ones5
ATM rulesUp to $250 per withdrawal including surcharges, 3 attempts per rolling 24 hours5

Quick answers

What does the Solayer Pay Card cost?

The Standard plan: — a month, Free for a physical card.

How much cashback does the Solayer Pay Card pay?

0% on the Standard plan, paid in points.

What is the Solayer Pay Card FX fee?

1.5% on the Standard plan.

Is the Solayer Pay Card custodial?

Self-custody.

Is the Solayer Pay Card available in the US, the UK and the EEA?

US: yes. UK: no. EEA: not stated.

How much do you keep with the Solayer Pay Card?

−$176 a year on the Standard plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. Solayer Pay fee structure, issuer, Nov-05, 2026
  2. Solayer Pay FAQ, issuer, Nov-05, 2026
  3. Solayer Pay overview, issuer, Nov-05, 2026
  4. Solayer Pay top-up tutorial, issuer, Nov-05, 2026
  5. Solayer Pay physical card docs, issuer, Nov-05, 2026
  6. Solayer Card on Paymentscan, paymentscan, Nov-05, 2026
  7. Solayer Terms (site and testnet; no card terms), issuer, Nov-05, 2026
  8. Solayer Pay product page, issuer, Nov-05, 2026
  9. Press release: physical card (search summary only), other, Nov-05, 2026
  10. Finek chat, user report, Jul-17, 2026, community, Nov-05, 2026

Something wrong or out of date? Report it with a source.