Solid Card
Solid is a self-custodial stablecoin savings wallet with a free Visa virtual card, launched Sep-15, 2026. Cashback is 3% / 4% / 5% in USDC by tier, capped at $50 / $100 / $200 a month, with a 1.5% fee on non-USD purchases.
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81Card Score, #13 of 36
$324You keep a year
D46Trust points of 100
79%Key fields with a source
Plans side by side
| Price | |||
|---|---|---|---|
| Monthly price | Free1,2 | —2Billed yearly | —Not published |
| Yearly price | Free1,2 | $1992Or lock FUSE instead of paying | —No cash price; access only by locking FUSE |
| Virtual card fee | Free1,2Free to issue | Free1,2Free to issue | Free1,2Free to issue |
| Staking needed | 02 | 50,000 FUSE, 365 days2Alternative to the $199 yearly fee; third-party sites report a higher amount, not confirmed by the issuer | 400,000 FUSE, 365 days2Third-party sites report a higher amount, not confirmed by the issuer |
| Other requirements | None; all members start here2 | Pay $199 a year, or lock 50,000 FUSE for 12 months2 | Lock 400,000 FUSE for 12 months2 |
| Rewards | |||
| Cashback | 3%1,2On eligible purchases, up to the monthly cap | 4%1,2On eligible purchases, up to the monthly cap | 5%1,2On eligible purchases, up to the monthly cap |
| Paid in | USDC1Paid into the Savings balance | USDC1Paid into the Savings balance | USDC1Paid into the Savings balance |
| Cashback cap a month | $502Cap covers cashback in USD per month; the card fees page says caps vary by tier and points to the app | $1002Cap covers cashback in USD per month; the card fees page says caps vary by tier and points to the app | $2002Cap covers cashback in USD per month; the card fees page says caps vary by tier and points to the app |
| Earns on | Eligible purchases; list not published on the fee pages1 | Eligible purchases; list not published on the fee pages1 | Eligible purchases; list not published on the fee pages1 |
| Points | No1Cashback is paid in USDC | No1Cashback is paid in USDC | No1Cashback is paid in USDC |
| Perks | Apple Pay and Google Pay at 0% fee, Cross-border fees covered by Solid1,2 | Bank deposit and swap fees 0.25%, Apple Pay and Google Pay at 0% fee1,2 | Free bank deposits and swaps while the lock lasts, Apple Pay and Google Pay at 0% fee1,2 |
| Fees | |||
| FX fee | 1.5%1,2Non-USD purchases: 1% card provider plus 0.5% Solid, built into the rate; same on every tier. The international card terms say 'up to 3%' in the fee schedule | 1.5%1,2Non-USD purchases: 1% card provider plus 0.5% Solid, built into the rate; same on every tier. The international card terms say 'up to 3%' in the fee schedule | 1.5%1,2Non-USD purchases: 1% card provider plus 0.5% Solid, built into the rate; same on every tier. The international card terms say 'up to 3%' in the fee schedule |
| Top-up fee | 0%1Solid charges 0%; deposit fees apply on the way into Solid (see funding) | 0%1Solid charges 0%; deposit fees apply on the way into Solid (see funding) | 0%1Solid charges 0%; deposit fees apply on the way into Solid (see funding) |
| Limits | |||
| Limit per payment | $750,0001Maximum single transaction about $750,000; above about $250,000 may need Visa verification; limits set per user from spendable balance | $750,0001Maximum single transaction about $750,000; above about $250,000 may need Visa verification; limits set per user from spendable balance | $750,0001Maximum single transaction about $750,000; above about $250,000 may need Visa verification; limits set per user from spendable balance |
What you keep
Rewards you can spend+$360
FX fee on foreign spend−$36
Net a year, Core plan$324
$1,000 a month, 20% in a foreign currency, no staking. Change
Trust
Licence and regulator6 of 25
Cards are issued by Rain or Wirex, with Third National named as issuer in the card terms; Solid itself has no licence and says it is not a bank. No regulator is named in the terms.4,5
Custody and fund protection13 of 20
Solid states it is self-custodial with passkeys and that neither it nor the issuer holds collateral. Yield and borrowing run through its own DeFi protocol, which adds smart-contract risk.4,5
Incidents in the last 24 months15 of 20
No incident was found, but the card launched only on Sep-15, 2026 and the App Store shows two negative reviews alleging lost deposits, which are unverified.8
Track record and verified volume4 of 15
Card live since Sep 2026, with about $1.09M all-time spend across 658 addresses per Paymentscan, part of it pre-launch.3,7
Company
Issuer and licence
Card issuerRain or Wirex, assigned by country of residence; card terms name Third National1,5,6Issuer terms: the international and US card terms define the Issuer as Third National; the fees page says Rain or Wirex. Paymentscan lists Rain and Wirex as issuers
Program managerRain (card infrastructure partner); Wirex in some countries1,3
The card
Typesecured credit5Terms describe a secured account backed by collateral with 0% APR on purchases; Solid also offers a borrow ('Credit') mode
How custody worksSolid states it is fully self-custodial with keys held by the user and passkeys; card terms say Solid and the issuer do not hold custody of collateral, which sits in a wallet on a supported blockchain4,5
Settles inUSD1
Funding
Fiat top-up
ACHWire
SEPA2,4Virtual account opening $10 one time; waived if Rain card verification is done
ACHWireSEPA2,4Virtual account opening $10 one time; waived if Rain card verification is doneDeposit feesCrypto: Fuse free, Ethereum 0.1%, other networks 0.03%; EURC on Base free; bank deposit 0.5% Core, 0.25% Prime, free Ultra; cash deposit 0.5% plus TransFi fee2
Minimum deposit$101,2Smaller deposits land in the Solid Wallet and cannot be spent until moved to the card
Spends fromCard balance funded from the Solid balance; Wirex cards can spend a EUR balance or soUSD in Credit mode1,3
Payments
Online subscriptionsYes3Launch post cites Netflix, Apple and similar merchants for cashback
Blocked merchantsHigh-risk merchants, gambling (depending on jurisdiction), unregulated financial services; gas stations limited to 2 transactions per 3 days with about $175 minimum balance1
Where it works
RegionsLatin AmericaAfricaAsia-PacificMiddle EastUnited States
Canada3Eligibility and jurisdictional restrictions apply
United StatesCanada3Eligibility and jurisdictional restrictions applyUnited States6Separate US consumer card terms exist (Puerto Rico law)Account
Local accountsUSD virtual account (account and routing numbers)4
Crypto to bankBank withdrawals free2
Yield on balance4.5%4Card page lists 4.5% for USDC and USDT savings, 'up to 6%' on dollars; app store says up to 8%; 10% performance fee on yield
Crypto loansYes4Borrow USDC against savings
Multi-currencyYes1Wirex cards: EUR balance
Security
Freeze card3One-tap freeze
Two-factorPasskeys; app store says two-factor protection4,8
App
App Store ratings68Two of six reviews negative (lost deposits, scam claim), unverified
EnglishReputation
Common complaintsCard not issued for some countries, e.g. a Spain-resident user with a Russian passport was refused (user report), Deposits under $10 do not reach the card; two wallets confuse users (Finek)9,10
Adoption
On-chain spend, all time$1,094,000720,558 transactions from 658 addresses; includes pre-launch activity from May 2026
On-chain spend, last month$689,7007Oct 2026
Referrals
User referralsYes8App store says users earn rewards when friends join
Regional differences
Wirex-issued cardsfx fee: 01
More details
Tier upgradePrime: $199 a year or lock 50,000 FUSE for 12 months. Ultra: lock 400,000 FUSE for 12 months. Locked FUSE cannot be withdrawn early2
Savings fees10% performance fee on yield; 0.01% solver fee on withdrawals; no lock-up or minimum2
International terms fee scheduleForeign exchange fee (non-USD) up to 3% and cross-border fee up to 3% are listed as maxima; Solid's fee pages say 1.5% total and cross-border covered5,1
Penalty fees in card termsLate payment up to $40, returned payment up to $29 (secured credit account)5
Wirex EUR spendingNo FX fee on euro purchases fully covered by a EUR balance (EURC on Base) or soUSD in Credit mode; otherwise 1.5%1
Quick answers
What does the Solid Card cost?
The Core plan: Free a month, — for a physical card.
How much cashback does the Solid Card pay?
3% on the Core plan, paid in USDC.
What is the Solid Card FX fee?
1.5% on the Core plan.
Is the Solid Card custodial?
Self-custody. Solid states it is fully self-custodial with keys held by the user and passkeys; card terms say Solid and the issuer do not hold custody of collateral, which sits in a wallet on a supported blockchain
Is the Solid Card available in the US, the UK and the EEA?
US: yes. UK: not stated. EEA: not stated.
How much do you keep with the Solid Card?
$324 a year on the Core plan at $1,000 a month with 20% in a foreign currency, after every fee.
Sources
- Card fees and limits, issuer, Nov-05, 2026
- Solid fees and limits: the complete overview, issuer, Nov-05, 2026
- The new Solid Card, Sep-15, 2026, issuer, Nov-05, 2026
- Solid card page, issuer, Nov-05, 2026
- Card terms for international consumer program, issuer, Nov-05, 2026
- Fuse Network Ltd card terms for U.S. consumer program, issuer, Nov-05, 2026
- Solid Card on Paymentscan, paymentscan, Nov-05, 2026
- Solid: Earn USDC & Stablecoin (App Store), app store, Nov-05, 2026
- Finek chat, user report, Sep-10, 2026, community, Nov-05, 2026
- Finek channel post on Solid wallets, community, Nov-05, 2026
Something wrong or out of date? Report it with a source.