Solayer Pay Card

Solayer Pay is a crypto-native Visa card that lets eligible users spend USDC at ordinary Visa merchants while connecting the payment experience to Solayer's on-chain ecosystem.

The current product includes a virtual card, Apple Pay and Google Pay integration, on-chain rewards and access to Solayer's sUSD savings product. Solayer's main product page now also promotes physical-card availability, although parts of its Help documentation still describe physical cards as coming soon, so availability should be confirmed in the live app for your region.

The card is aimed at users who want to move between stablecoin spending and on-chain finance without using a traditional crypto exchange as the centre of the experience.

Solayer positions Solayer Pay as non-custodial and fully on-chain. Its current product and documentation say users can hold stablecoin assets without relying on a centralised exchange custodian, and Solayer's Portfolio product is explicitly built around self-custody.

Card payments still require payment-network and operational infrastructure, so self-custody should not be interpreted as every part of a Visa transaction occurring without intermediaries. Solayer also documents a hybrid hot- and cold-wallet security architecture used around the payment system.

For users comparing custody models, the important distinction is that Solayer Pay is designed around on-chain asset ownership rather than requiring a normal custodial exchange balance before every purchase.

Solayer Pay's current documentation focuses on USDC as the direct card-spending asset. Users deposit USDC into the Solayer Pay environment and can then use that balance for Visa purchases without manually selling it into fiat before each transaction.

Solayer also supports sUSD, a yield-bearing stablecoin backed through tokenised real-world asset exposure. sUSD is positioned primarily as the savings side of the product, while USDC is the core spending balance described in the card documentation.

Do not assume that every asset available elsewhere in the Solayer ecosystem, such as SOL, sSOL or LAYER, can be selected directly as a card funding asset. Check the Card deposit screen for the live supported balance.

Solayer Pay currently uses an annual membership model priced at $20 per year for standard eligible users. The membership covers card access and maintenance for 12 months.

Solayer also offers campaign or identity-based discounts in some cases. Its Emerald Points documentation says certain Solana ID tiers can receive a discounted membership price, while early programme participants have previously received fee waivers.

The annual membership is separate from transaction and funding fees. Solayer's current fee documentation lists additional charges for top-ups and card purchases, so the $20 membership should not be treated as the total cost of using the card.

Solayer's dedicated fee structure currently lists a $20 annual membership, a 1% top-up fee, a $0.15 fee for USD card transactions and $0.10 plus 1.5% for international non-USD transactions.

One Solayer top-up tutorial separately states a $0.10 fee per top-up, which conflicts with the dedicated fee page. Because Solayer's own documentation is inconsistent on that point, MyCardCompare recommends treating the live fee shown in the Solayer app before confirmation as authoritative.

Third-party costs can also apply, including blockchain or wallet fees and local ATM charges. Solayer's general terms say applicable service and network costs are disclosed when the user transacts.

Solayer Pay does not currently advertise a simple fixed cash cashback percentage. Its main spending reward is Emerald Points, which are earned on eligible card transactions and are designed to unlock partner perks, future airdrops, beta access, merchandise and other ecosystem benefits.

The number of points rises with transaction size. Solayer currently lists 1 point per $1 below $100, 2 points per $1 for $100 to $499, 3 points per $1 for $500 to $2,499 and 5 points per $1 for transactions of $2,500 or more.

Because Emerald Points are not the same as cash, users should not value them as a guaranteed cashback percentage when comparing the card with conventional reward cards.

Yes. Solayer Pay is integrated with sUSD, Solayer's yield-bearing stablecoin product. Users can allocate eligible balances to sUSD and move between spending and saving rather than keeping every dollar permanently idle in the card balance.

Solayer has described sUSD yields around 4% to 5% in its card documentation, while the live rate can change with the underlying strategy and market conditions. The Solayer app currently displays the prevailing APY.

This is not a bank savings account or guaranteed interest rate. sUSD is an on-chain product with smart-contract, stablecoin, market and real-world-asset risks, so users should evaluate the yield feature separately from the convenience of the Visa card.

Yes. Solayer officially supports both Apple Pay and Google Pay for eligible cardholders. Once the virtual card is issued, users can view the card number, expiry date and CVV in the Solayer app and add the card to a supported mobile wallet.

This makes the virtual card usable for compatible in-person contactless payments as well as online purchases. Solayer's documentation presents mobile-wallet support as part of the standard card experience rather than a separate paid add-on.

Wallet availability can still depend on country, device and the underlying card programme, so users in a supported Solayer Pay region should confirm that the add-to-wallet option appears in their account.

Solayer's main product page now promotes the physical Solayer Pay Card as available. However, several sections of the official Help documentation still say physical cards are coming soon and describe the virtual card as the standard issued product.

Because those official sources are not fully synchronised, physical-card availability should be checked directly in the live Solayer app for your account and country. The virtual card remains the clearest broadly documented option and can be used immediately after approval through Apple Pay or Google Pay.

Where a physical card is available, it expands the card's usefulness for direct chip or contactless payments and ATM access.

Solayer's current overview says Solayer Pay supports local-currency ATM withdrawals worldwide, while its FAQ ties ATM use to the physical card. Local ATM fees can apply.

The important practical point is that ATM access depends on having the card format and programme configuration that supports cash withdrawals. Since some Solayer documentation still describes physical cards as coming soon, users should confirm ATM functionality in the live app before relying on Solayer Pay for travel cash.

Solayer does not publish one universal ATM fee in the current public FAQ. The ATM operator can also add a surcharge or currency conversion independently.

Applicants must be at least 18, complete KYC and live in a supported region. Solayer Pay is not globally available even though the issued card can be used across the Visa network.

Solayer maintains a long restricted-country list that currently includes the United Kingdom, Canada, Australia and most European Union countries, including France, Germany, Italy, Spain, Portugal and the Netherlands. It also excludes residents of several U.S. states.

Because eligibility can change with card-partner and regulatory requirements, check Solayer's current Eligibility page before paying the membership fee or transferring assets specifically for card use.

Yes. Solayer Pay requires identity verification for all applicants. Solayer's KYC guide says the process is handled through Sumsub and asks for personal details, an eligible identity document, email verification and facial verification.

After KYC is completed, Solayer says card applications typically take around three to five business days to process. Users must also satisfy the regional eligibility rules before approval.

The KYC requirement applies even though Solayer positions the wallet and stablecoin side of the product as non-custodial. Access to a Visa payment card still requires an identified cardholder and compliance screening.

Solayer describes Solayer Pay as being built on Solayer Chain, its hardware-accelerated SVM network. The objective is to connect card spending with on-chain settlement while keeping transaction processing fast enough for everyday payments.

Users spend USDC through the Visa-compatible card, while Solayer's blockchain infrastructure handles the on-chain side of the payment system. The company says this design avoids relying on a conventional centralised exchange as the primary ledger for the user's funds.

The merchant still receives a normal Visa payment, so 'on-chain' does not mean the merchant itself is accepting USDC or interacting with Solayer Chain. It describes the underlying crypto-side architecture rather than replacing the Visa acceptance network.

Open the Solayer app and go to the Card section. Pay the applicable activation or membership amount shown, then continue to the KYC flow and complete identity verification through Sumsub.

Solayer says approval normally takes three to five business days. Once approved, the virtual card appears in the app and can be used online or added to Apple Pay or Google Pay. Physical-card ordering should be checked in the live app because Solayer's current website and Help documentation are not fully aligned on availability.

The standard published membership is $20 per year, although campaign or Solana ID discounts can apply to some users.

Solayer currently directs card users to its official Discord community for personalised support. The documentation index and product guides are available at https://docs.solayer.org, while the card itself is managed through the Solayer app.

For KYC, activation or payment problems, start with the relevant official tutorial and then use the support link provided by Solayer rather than responding to unsolicited direct messages.

Never share a wallet seed phrase, private key or authentication secret with someone claiming to be support. A legitimate support representative can investigate card or KYC issues without needing the credentials that control a self-custodial wallet.