Solayer Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Physical card free, shipping $24.99 US or $59.99 international; the $20 membership covers the virtual card |
|---|---|
| Annual fee | $20 per year membership |
| FX fee | 1.5% plus $0.10 per non-USD transaction on the fee page, while the FAQ on the same site says 1.75% plus $0.10; $0.15 per USD transaction |
| ATM limit | $250 per withdrawal with the physical card, three withdrawals per rolling 24 hours; ATM and network fees may apply |
| Spending limit | Based on wallet balance |
Fees change; the current ones are in Solayer’s terms.
Features
- Cashback: Points only
The fine print
- Emerald Points only (1 point per $1 spent, up to 5x multiplier) + partner token airdrops
- No live cash cashback: the 1% ongoing and 10% first-transaction offers were limited promos that ended Aug 2025
- solayer.org/card now 404
- Custody: Hybrid: the overview calls Solayer Pay non-custodial, but card payments settle through hot and cold wallets that Solayer runs
- KYC: Yes
- Card type: Virtual and physical
- Top up with: USDC deposited to the card from a connected wallet in the Solayer app
- Available countries: Most countries except Afghanistan, Albania, Andorra, Australia, Austria, Belarus, Belgium, Bosnia and Herzegovina…
Full list
- … Bulgaria, Burkina Faso, Burundi, Cambodia, Canada, Central African Republic, China, Croatia, Cuba, Cyprus, Czechia, Democratic Republic of Congo, Denmark, Eritrea, Estonia, Finland, France, Georgia, Germany, Greece, Guinea, Guinea-Bissau, Haiti, Hungary, Iceland, India, Indonesia, Iran, Iraq, Ireland, Israel, Italy, Jamaica, Jordan, Kosovo, Laos, Latvia, Lebanon, Liberia, Libya, Lithuania, Luxembourg, Malaysia, Mali, Malta, Moldova, Monaco, Montenegro, Morocco, Mozambique, Myanmar, Nepal, Netherlands, New Zealand, Nicaragua, Nigeria, North Korea, Norway, Palau, Palestinian Territory, Poland, Portugal, Qatar, Romania, Russia, San Marino, Serbia, Slovakia, Somalia, South Africa, South Korea, Spain, Sudan, Sweden, Switzerland, Syria, Thailand, Turkey, Uganda, Ukraine, United Arab Emirates, United Kingdom, Vanuatu, Venezuela, Vietnam, Western Sahara, Yemen
- US excludes Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Montana, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Vermont, Washington, Wisconsin
Who issues the Solayer Card
The Solayer Card is issued by Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy. The issuer is named in the source linked below.
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported cryptocurrencies
You can load the Solayer Card with crypto; the asset we track for it is listed below.
The fine print
Top-up fee published as 1% on the fee page, 0.5% in the FAQ, $0.10 in the top-up guide, and 0.9% to 0.5% by referral tier on the product page
Pros and cons
Pros
- Connects to your Solana wallet holding sSOL and sUSD; 1M+ TPS throughput; Emerald Rewards with DeFi airdrops/staking; Binance Labs backed
Cons
- $20 yearly membership
The fine print
- 1.5% plus $0.10 on non-USD purchases and $0.15 on USD purchases
- Top-up fee published four different ways
- Closed to the EEA, UK, Canada, Australia and many other countries
- Cards deactivated after six months of inactivity
- Points not yet redeemable
- Annual fee: $20 per year membership
- No IBAN or bank-account features
Regional availability
Available worldwide except the UK, the EU and others
Worldwide except the EEA, the United Kingdom, Switzerland, Canada, Australia, New Zealand, South Korea and sanctioned countries.
Banking and fiat rails
Card overview
Built on Solana via the InfiniSVM stack, Solayer Pay is a Visa Debit that spends USDC you deposit to the card from a connected wallet in the Solayer app. The marketing line is "a crypto-native Visa card that lets you spend stablecoins globally, while staying fully on-chain." It costs a $20 yearly membership, which covers the virtual card; the physical card is free but ships for $24.99 in the US or $59.99 abroad. Rewards are points only: Emerald Points (1 point per $1 spent, up to a 5x multiplier on category boosts) plus partner-token airdrops.
The 1% ongoing cashback and the 10% first-transaction offer were promos that ended in August 2025. I wouldn't bank on the reward economics here. The points are not yet redeemable, and the airdrop layer is speculative. Non-USD purchases cost 1.5% plus $0.10 on the fee page and 1.75% plus $0.10 in the FAQ on the same site, USD purchases $0.15 each, and the top-up fee is published four different ways (1%, 0.5%, $0.10, or 0.9% to 0.5% by referral tier).
It is sold in most countries but not in the EEA, the UK, Switzerland, Canada, Australia, New Zealand or South Korea. The physical card allows $250 per ATM withdrawal, three per rolling 24 hours. No IBAN.
- Best fit
- Solana-native users outside those markets who hold USDC and want the points
- Wrong card if
- you wanted predictable USD cashback or a single published fee schedule
Common questions about the Solayer Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
What are the fees for the Solayer Card?
Is the Solayer Card legit, and who is behind it?
Is the Solayer Card worth it?
Where is the Solayer Card available?
What cryptocurrencies does the Solayer Card support?
What are the Solayer Card's ATM and spending limits?
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