Stablecoin account + Visa card
A Visa card for spending USDC from Solana. It includes virtual and physical cards, phone-wallet support, Emerald Points and optional yield on spendable sUSD.
available information says availability is region-dependent.
Why it stands out
01 · Core economics
Start with the recurring plan cost, funding, FX and cash-access fees. These numbers drive most of the real-world cost.
Main trade-offs
02 · Rewards programme
Emerald Points are ordinary programme points for comparison, not cashback or a tradeable token. Solayer names future $LAYER allocations, partner airdrops and perks as possible uses, but does not publish a fixed conversion rate, redemption date, guaranteed allocation or cash value.
For one transaction below $100
For one transaction of $2,500 or more
Non-tradeable programme points; not $LAYER tokens
Future allocation is discretionary or undisclosed
Virtual and physical Visa
03 · Everyday use
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
04 · Money in and out
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
1 route
A deposit approved from the linked wallet credits the Solayer Pay balance used for card spending
05 · Balance yield
sUSD can earn variable, Treasury-bill-backed APY while remaining available for card spend. It does not require a separate Earn deposit; returns are not fixed or guaranteed.
~3.5% APY
06 · Trust and eligibility
Eligibility, identity checks and provider responsibilities are kept separate.
Identity verification is required to access card services.
Country-level card access is not disclosed.
Only concrete responsibilities and identified organisations are shown.
Public-facing product and account experience; legal operators are listed separately when confirmed.
Controls the operational card balance until payment; US smart-contract collateral remains cardholder-controlled.
Custodial operational balanceIssues the card and card account for the applicable Solayer Pay programme.
Applies to: Regional Solayer Pay card programmeProvides identity-verification tooling for Solayer Pay onboarding.
Applies to: Solayer Pay KYCOperates the public platform and App experience; regional card terms control card-account roles.
Applies to: General platform and App services07 · Methodology
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
Higher is better
Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Named programme infrastructure includes Third National (issuer).
No purchase cashback is included in the confirmed product terms.
08 · Evidence
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Help keep this page accurate
Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.
Direct card balance
USDC: Solana
Supported asset and network combinations
Deposit limits not publicly confirmed
Initiated in the Card tab through the connected wallet. Only the reviewed USDC on Solana route is included; other assets and networks are not inferred.
Funds sit in a custodial account balance before card spend or payout.
How a received asset reaches the spendable balance depends on the supported asset and account setup.
No approved rails are mapped for this direction.