Solid Card

What the Solid Card is

Solid pairs a non-custodial stablecoin account with a free virtual Visa card issued by Rain or Wirex, depending on where you live. The card activates as soon as you finish identity verification - roughly two minutes - with no order step and no issuance fee, and works at more than 200 million Visa merchants across 105 countries. Visa Platinum benefits come with it, including purchase protection, price protection, extended warranty and auto rental insurance.

Cashback that is published, capped and tiered

Cashback is paid in USDC at 3% on Core, 4% on Prime and 5% on Ultra, credited 14 days after each transaction settles. Each tier has a monthly ceiling - $50, $100 and $200 - which is the honest limit on the headline rate. The card page also does the arithmetic that most issuers avoid: at Core, a $100 euro purchase costs about $2 in total FX and returns $3, so non-USD spending still leaves you ahead at every tier.

Two ways to spend

Savings Mode spends directly from your balance. Borrow Mode borrows against your savings so the balance keeps earning yield while you spend - a structure that lets you use the card without selling the position generating your return. Because the account is non-custodial, the funds sit in your own Safe wallet, secured by passkeys, until a transaction is authorised. Solid itself cannot move them.

Where the money earns

Savings offers up to 6% APY on USDC, 3% on USDT, 3% on ETH and up to 15% on FUSE, managed through institutional-grade strategies. Solid takes a 10% performance fee from the yield earned - never from principal - plus a 0.01% solver fee on withdrawals to cover on-chain execution. Accounts also come with US personal account and routing numbers so ACH and wire payments land as dollars.

Solid holds stablecoins in a self-custodial account and pays 3% to 5% cashback in USDC on a free virtual Visa Platinum. BenPay pitches on-chain yield on idle balances in the same way, and Zeal pays its rewards in GNO from a self-custodial wallet. Compare what each pays and when in the crypto cards directory.

Card

• Free virtual Visa Platinum card, issued instantly after identity verification, with no order step or issuance fee.
• One-tap setup for Apple Pay and Google Pay; manual card entry in the web app.
• Freeze and unfreeze instantly, with real-time transaction detail including cashback earned per purchase.
• Two spend modes: Savings Mode spends from your balance, Borrow Mode borrows against savings so they keep earning.

Cashback

• 3% at Core capped at $50 a month, 4% at Prime capped at $100, 5% at Ultra capped at $200.
• Paid in USDC 14 days after the transaction settles, and it starts earning yield immediately.

Account

• Non-custodial Safe wallet secured by passkeys; Solid cannot move your funds.
• US personal account and routing numbers; ACH and wires arrive as dollars.
• Send money to 150+ countries and withdraw to a bank at no Solid fee.
• Buy and hold US stocks and ETFs from the same account.

Rewards tiers

• Core is free for all members.
• Prime costs $199 a year, or lock 50,000 FUSE for 12 months.
• Ultra requires locking 400,000 FUSE for 12 months and removes Solid's tiered fees entirely.

Supported assets

Solid works with USDC, USDT, FUSE and ETH. Stablecoins are the natural card funding asset - USDC earns up to 6% APY in Savings and is also the currency cashback is paid in - while FUSE governs the Rewards tiers and offers the highest advertised yield at up to 15%.

Deposit networks

Deposits are free on Fuse, cost 0.1% on Ethereum and 0.03% as a bridge fee from BNB Smart Chain, Polygon, Base and Arbitrum. The minimum deposit is $10, and gas is covered by Solid for eligible deposits. The exact fee is shown on the deposit screen before you send, so the cheapest route is always visible at the point of transfer.

Yield

Savings runs through curated on-chain strategies with the returns described as institutional-grade: up to 6% on USDC, 3% on USDT, 3% on ETH and up to 15% on FUSE. Solid charges a 10% performance fee on the yield and a 0.01% solver fee when you withdraw. Yield rates are variable and tied to strategy performance rather than guaranteed.

Card fees (identical at every tier)

• Card issuance: free
• Monthly or annual fee: none
• Top-up fee: 0%
• Card spend in USD: 0%
• Apple Pay and Google Pay: 0%
• Cross-border and international transaction fees: covered by Solid

Currency conversion

• Card provider FX fee on non-USD spend: 1% at every tier, built into the exchange rate
• Solid FX fee: 1% at Core, 0.5% at Prime, free at Ultra
• Total FX cost: 2% at Core, 1.5% at Prime, 1% at Ultra - below the 3% to 5% cashback earned at the same tier

Deposits, swaps and withdrawals

• Crypto deposits: free on Fuse, 0.1% on Ethereum, 0.03% bridge fee on BNB Smart Chain, Polygon, Base and Arbitrum; $10 minimum
• Bank deposits: 0.5% at Core, 0.25% at Prime, free at Ultra
• Swaps: 0.5% at Core, 0.25% at Prime, free at Ultra
• Stock trades and bank withdrawals: free at every tier
• Buying crypto with local currency through TransFi: currently free, 0.5% planned

Savings

• Performance fee: 10% of the yield earned, never charged on principal
• Solver fee: 0.01% on withdrawals, covering on-chain execution
• No subscription, lock-up or minimum to move money into Savings

Tiers

• Prime: $199 a year, or lock 50,000 FUSE for 12 months
• Ultra: lock 400,000 FUSE for 12 months, which drops all of Solid's tiered fees to zero for the lock period
• Locked FUSE cannot be withdrawn before the unlock date, and the tier ends with the lock