Solayer Pay
Solayer
- Cashback
- Emerald Points (tiered)in Points
- Monthly fee
- $0 monthly — replaced by a $20/year membership after year 1
- FX / conversion
- International (non-USD) transactions: $0.10 + 1.5–1.75% (rate varies by source); USD transactions $0.15. Top-up 1% (fee doc) / 0.5% (FAQ). ATM: max $250 per transaction, 3 per rolling 24h, standard ATM/network fees may apply.
- Issuance
- Physical card free (pay shipping only: US Express $24.99 / International Express $59.99); one-time $20 account activation fee covers the virtual card for year 1
- Card type
- virtual + physical
Eligibility & KYC — who can get it
✓ Open to most nationalitiesNot issued to residents / citizens of:
Solayer publishes an explicit opt-OUT list: residents/citizens of the ~95 countries/territories above are ineligible regardless of current residence, plus 17 US states; the card is available everywhere else Visa works.
Issuer’s markets: Available in most countries (anywhere Visa is accepted) except a published opt-out list of ~95 countries/territories plus 17 US states; the United States is eligible except those states.
Where you can pay
✓ Worldwide — anywhere Visa is acceptedOfficial solayer.org homepage: "Spend anywhere Visa works" / "A crypto-native Visa card that lets you spend stablecoins globally"; product page: "Use your Solayer Pay globally at millions of Visa-enabled merchants." The restricted-country/US-state list is an issuance/KYC opt-out, not a spending limit.
Cashback details
No % cashback — Emerald Points per spend with a tiered multiplier: <$100 = 1x (1 pt/$1), $100–499 = 2x, $500–2,499 = 3x, ≥$2,500 = 5x. Points are 'soon' redeemable for partner perks, future airdrops and exclusive utilities; no cash value stated.
Spend from
Stablecoins spent from the Solayer Pay balance; sUSD (an RWA T-bill-backed yield-bearing stablecoin) is the native spend/yield asset. Specific spend tokens not fully enumerated in the docs.
Verification procedure
Required — 18+, KYC verification & approval (3–5 business days); users may be asked to reconfirm KYC and provide additional documents.
AI subscriptions
Virtual card works for online subscriptions including AI services.
Good to know
Fully on-chain stablecoin spending. Virtual + physical Visa; physical card free + shipping. Apple Pay & Google Pay. ATM withdrawals ($250 max/tx, 3 per 24h). 0% P2P transfers. Yield on eligible RWA-backed balances (sUSD). Up to 10 cards per account; in-app freeze/PIN reset.
Referral program
Conditions: Earn exclusive rewards/points when referred users join and activate their card; exact amounts not published.
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