Solayer Emerald Card

The Solayer Emerald Card takes a different approach to most crypto cards: the spending is designed to happen on-chain, with Solayer claiming that funds do not need to be handed to a centralised custodian to be spent. You deposit USDC, spend it at any Visa merchant, and can withdraw cash from ATMs.

Reach is the headline. Solayer says the card works in 200 countries and territories and across 150 million-plus merchants, including the United States — unusually wide for a card launched this recently. Funding begins with USDC on Solana, with expansion planned across SVM and EVM chains.

Pricing is on a sliding scale: deposit fees run from 0.9% down to 0.5% depending on tier and volume, with 0% on peer-to-peer transfers. Rewards come as Emerald points, with campaign distributions and launch coverage citing up to 4% in SOL with auto-staking, plus a 10% share of the points your referrals earn. Deposits can also be routed into sUSD, a Treasury-backed stablecoin yielding around 4–5%.

The Emerald Card spends USDC held on-chain across some 200 countries, with rewards tied to keeping your balance in the Solayer ecosystem. The Solflare Card and the SolCard are the other Solana-linked options, differing mainly in custody and issuance cost. Our Best Crypto Cards directory compares them.

What you get

• On-chain spending with self-custody positioning — assets are spent without handing them to a centralised custodian, per Solayer.
• Global acceptance: 200 countries and territories, 150M+ merchants, including the US.
• ATM cash withdrawals supported alongside card spending.
• 0% peer-to-peer transfers.
• Emerald Rewards points per dollar spent, with campaign distributions.
• Referral share of 10% of the points your invitees accumulate, indefinitely.
• Optional sUSD yield on deposits, a Treasury-backed stablecoin in the 4–5% range.

How rewards work

Rewards are campaign-based rather than a flat guaranteed rate: points accrue per dollar spent, and payouts are distributed at the end of a campaign in proportion to your share of all points earned. That makes the effective return variable.

Supported assets

USDC is the primary spending asset, starting on Solana with planned expansion to ten SVM and EVM chains. SOL supports the reward and staking side, and sUSD is the optional yield-bearing deposit.

Fiat support

US dollar settlement, with global merchant acceptance through Visa and ATM cash access.

Published costs

• Deposit fee: sliding scale from 0.9% down to 0.5%, depending on tier and volume.
• Peer-to-peer transfers: 0%.
• Monthly fee: none published.
• Card issuance: none published.

Not published

ATM fees, FX markup and detailed spending ceilings are not set out on the public pages — confirm them in the dashboard before relying on them.

The yield option

Opting deposits into sUSD is the mechanism behind the advertised yield. sUSD is a Treasury-backed stablecoin, and like any yield product it carries issuer and market risk rather than being a guaranteed return.