Solflare

Solflare Card is a self-custody Solana debit Mastercard that lets you spend your USDC directly from your Solflare wallet — instantly, securely and globally. The signature pitch: users keep the keys; Solflare handles the rails. The card is accepted at 110M+ merchants worldwide via Mastercard.

What makes it different

• Self-custodial — Solflare is one of the very few crypto debit cards where users keep their private keys. The card spends directly from a wallet you control, not a custodial balance held by Solflare.
• Solana-native — built on Solflare, the leading non-custodial Solana wallet with 51k app-store ratings.
• USDC-direct — spend USDC natively from any delegated Solflare wallet; no card top-up, no balance handover.

Card tiers

• Virtual Card (live now) — instantly ready for online payments once generated. Includes 16-digit card number, CVV, expiry. Add to Google Pay.
• Physical Card (coming soon) — order via the Solflare mobile app.
• Maximum of 1 virtual + 1 physical card per user.

How it works — wallet delegation

• You don't load funds onto the card itself. You delegate a specific Solflare wallet to your Solflare Card, and the card spends USDC from that wallet.
• Your spendable balance equals your wallet's USDC balance at the time of the transaction.
• The card declines if the balance is insufficient.

Eligibility

• Residents aged 18+ from the EEA, the UK and other countries — approvals are case-by-case by the card partner.
• Citizens of eligible countries living elsewhere can also apply with a valid ID from an eligible country.
• Eligibility check is done inside the Solflare mobile app.

KYC / onboarding

• Basic personal information + a government-issued ID, driver's license or passport.
• KYC verification typically takes 1–2 minutes.
• Phone number required for 3DS OTPs during online purchases and Google / Apple Pay enrollment.

Use & acceptance

• Functions like a regular debit Mastercard — pay online, shop in stores, withdraw at ATMs, use internationally.
• Accepted at 110M+ merchants worldwide.
• FX: Mastercard interbank rate for cross-currency spend. Solflare may charge an international transaction fee per T&Cs.
• ATM: Solflare does NOT charge ATM fees; ATM operator surcharges may still apply.
• Google Pay live now; Apple Pay coming soon.
• Freeze / unfreeze your card instantly from the app.
• Replace lost physical card in-app (limits apply).

Security

• Biometrics + 3D Secure (3DS) for online purchases.
• Instant transaction notifications.
• Card partner's fraud defense measures.
• 24/7 human customer support (support@solflare.com).

Branding

Solflare's marketing leans into the 'magic internet money' Kingdom theme — 'World of Possibilities', 'Reign of Clarity', 'Stronghold of Security', 'the crown is yours — rule with every tap'.

Regulatory status

Solflare is a fintech service provider (not a bank). The Mastercard is issued through Solflare's card-issuing partner. KYC is required for all card issuance.

For whom

Solflare Card is built for Solana users and self-custody advocates in the EEA and UK who want to spend their USDC at 110M+ merchants worldwide while keeping full custody of their keys — without handing assets to a custodial card issuer.

The self-custody Solana debit card

• Mastercard debit card accepted at 110M+ merchants worldwide.
• Self-custodial — users keep the keys, Solflare handles the rails. Spends draw directly from your Solflare wallet's USDC balance.
• Solana-native — built on Solflare, the leading non-custodial Solana wallet with 51k app-store ratings.

Three problem areas solved

• World of Possibilities — pay with crypto anywhere Mastercard is accepted. Google Pay live now; Apple Pay coming soon.
• Reign of Clarity — instant KYC verification (1–2 minutes), all card spend visible at a glance, easy to manage and track.
• Stronghold of Security — instant notifications, biometrics, 3D Secure (3DS), partner fraud defense, and 24/7 human customer support.

Card tiers

• Virtual Card (live now) — instantly ready for online payments once generated. 16-digit card number, CVV, expiry. Add to Google Pay.
• Physical Card (coming soon) — order via Solflare mobile app soon.
• Maximum of 1 virtual + 1 physical card per user.

Wallet delegation (self-custody in action)

• You don't load funds onto the card. You delegate a specific Solflare wallet to your Solflare Card so funds can be spent.
• Your spendable balance = your wallet's USDC balance at the time of the transaction.
• No deposit, no custody handover — you always keep the keys.

Security

• Biometrics + 3DS for online purchases and Google Pay / Apple Pay device verification.
• Instant transaction notifications.
• Freeze / unfreeze the card instantly in-app.
• Replace lost physical card in-app (limits apply).
• 24/7 human support via support@solflare.com.

International use

• Use internationally — works in any local currency.
• FX rate: Mastercard interbank rate, with a possible Solflare international transaction fee per T&Cs.
• ATM withdrawals globally — Solflare charges no ATM fee; ATM operator surcharges may apply.

Branding

• Solana-game Kingdom themed — 'magic internet money', 'crown is yours', 'rule with every tap'.
• 51k ratings on app stores.

Solflare Card is natively a USDC card — you spend USDC directly from your Solflare wallet. Solflare is working on enabling other assets soon; until then, non-USDC crypto must be swapped to USDC in-app and held in your delegated wallet before card spend.

Card spend assets (primary)

• USDC — the only spendable asset today. Solflare wallet balance at the time of the transaction = your spendable limit.

Wallet support (in-app swap)

• Solflare supports the full range of Solana tokens (SOL, JUP, JTO, BONK, PYTH, WIF, JUP and others) — but these must be swapped to USDC before card spend.
• Native Solana wallet including SOL, SPL tokens, and NFT showcase.

Funding method

• Wallet delegation — delegate a specific Solflare wallet to your Solflare Card. The card draws from the wallet's USDC balance at the time of each transaction.
• Top up your wallet with USDC via Solflare's in-app on-ramp (bank transfer, card, or receive from another Solana wallet).
• Swap any Solana token to USDC in-app — Solflare's built-in swap handles it.

Direct spend from non-USDC crypto

Not supported yet — only USDC is spendable. Other Solana tokens must be swapped to USDC first. Solflare has indicated broader asset support is coming soon.

Headline fees

• ATM fee: Solflare does NOT charge ATM fees. ATM operator surcharges may still apply.
• FX rate: Mastercard interbank rate for cross-currency spend. Solflare may charge an international transaction fee — the exact rate is in the in-app terms and conditions, not published on the public FAQ.
• Card issuance fee, monthly fee and annual fee: Not disclosed on the public card page / FAQ — visible in-app after you apply.

Small / 'ghost' transactions

• Some merchants create pre-authorization 'ghost' transactions to verify your card information. These may be incomplete or fully refunded, so your balance remains unchanged.

Limits

• Card spending limits apply per the card terms / T&Cs (in-app).
• ATM withdrawal limits apply per the card terms.
• Maximum 1 virtual card and 1 physical card per user.
• Deposit: no limit — you top-up by holding USDC in your delegated Solflare wallet.

Always verify in-app

The Solflare FAQ intentionally points users to the in-app terms and conditions for the exact issuance, FX, international transaction and spending-limit schedule. Confirm current terms inside Solflare before relying on this listing.