Solid Card links Savings and soUSD to a virtual Visa with 3%-5% USDC cashback. Prime and Ultra add 25% and 50% on eligible recurring AI subscriptions, but they require 5 million and 35 million Solid Rewards points rather than a simple paid upgrade.
Borrow Mode can borrow against Savings instead of draining it first.
Prime pays 25% and Ultra 50% on eligible recurring AI subscriptions.
Virtual Accounts can receive ACH or wire into soUSD where supported.
Main trade-offs
Prime needs 5M points and Ultra 35M; tier-maintenance rules are not published.
Current public materials do not confirm a cash-withdrawal route.
01 · Core economics
Costs that matter
Solid Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Top-up0%No stated provider funding surcharge
Provider FX markup1%Compare the FX fee with the cashback rate before using it abroad.
Asset conversion fee0%No separate asset-conversion fee is listed for card spending.
Card spending0%No listed base spend fee
Limits and secondary feesLimits and other fees
ATM withdrawalNot confirmedListed
Daily card spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limitNot disclosedListed
Account depositNot disclosedListed
02 · Rewards programme
Cashback and Solid Rewards points
Solid Card keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Entry rate3%
Lowest current purchase reward rate
Maximum rate5%
Conditional: not the automatic rate
Reward assetUSDC
USDC cashback
Cashback Cap$50–$200
Current monthly cashback-value cap range across tiers
Points programme
Solid Rewards points
Points unlock Prime at 5,000,000 and Ultra at 35,000,000 after opt-in. Points accrue after opt-in.
Savings balance1 pt / $1 / hour
1 point per $1 per hour held in Savings
Card balance1 pt / $1 / day
1 point per $1 per day held on Card balance
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
04 · Money in and out
How money enters, settles and leaves Solid
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive2 routesCrypto deposits1Bank deposits19 assetssoUSDUSDC
Crypto deposits
1 route
RouteCostSpeedLimitsScopeDetails
05 · Optional product
Add yield through a separate balance
Solid Savings / soUSD vault adds a variable yield option through a separate deposit. Move funds back to the spending balance when direct card spend is not supported.
Mixed yield
Solid Savings / soUSD vault
Up to 14% APY
Yield source
BoringVault-based soUSD vault strategies
Yield mechanism
Mixed strategy
Protocols
Morpho, Pendle
Strategy manager
Strategist role / BoringVault framework
Redemption
soUSD-to-USDC withdrawals are queued and processed before finalization; no lockup is advertised.
Assets
USDC, USDT
Spend directly from Earn balance
No
Withdraw anytime
Not confirmed
Deposit insurance
No
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Solid is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Required
Identity verification is required to access card services.
Availability
49 countries explicitly listed
The complete supported-country list is shown below. Residence, identity documents and signup checks still apply.
Explicit restrictions
17 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Countries explicitly listed49 countries
Antigua and BarbudaArgentinaAustraliaBahamasBangladeshBarbadosBelizeBoliviaBrazilCayman IslandsColombiaCosta RicaCote d'IvoireDominican RepublicEcuadorEgyptEl SalvadorGhanaGrenadaGuatemalaGuyanaHondurasHong KongJapanKenyaMalaysiaMexicoMoroccoNew ZealandPakistanPanamaParaguayPeruPhilippinesSaint Kitts and NevisSaint LuciaSaint Vincent and the GrenadinesSenegalSingaporeSouth AfricaSurinameThailandTrinidad and TobagoTurks and Caicos IslandsUgandaUnited Arab EmiratesUnited StatesUruguayZambia
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productSolid
Provides the product and account experience. Named legal operators appear separately.
Custody controlCardholder
Retains control of funds until payment.
Self-custody
Card issuerRain
Issues the card for the applicable programme.
Card issuerThird National
Issues the card and performs issuer functions under the US consumer agreement.
Applies to: Solid / Fuse Network Ltd US consumer card programme.
Card processingFuse Network Ltd
Supports card processing for the applicable programme.
Programme operatorFuse Network Ltd
Provides access to the Solid card programme and associated product services.
Applies to: Solid US consumer programme; international terms must be reviewed separately.
07 · Methodology
Why the score is 89
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
89/100
Strong
Higher is better
Cost efficiency 95
Rewards value 74
Everyday usability 78
Funding & transfers 63
Availability & eligibility 59
Custody & control 92
Company & infrastructure 78
Key score driversLargest effects after applying the Overall category weights
Strongest lift95
Cost efficiency
No monthly fee, 1% FX fee and 0% conversion fee shape the day-to-day cost profile.
Additional support92
Custody & control
Self-custody; funds remain user-controlled before payment.
08 · Evidence
Sources
21 sources20 officialChecked Aug 25, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Fiat deposits convert to soUSD, not insured bank-account balances.
Card spend1 pt / $1
1 point per $1 of qualifying card spend
Swap1 pt / $1
1 point per $1 swapped
Memberships
Best default
Core
Virtual Visa
$0/yr
Cashback
3% in USDC
General cashback cap
$50 / month
General cashback spend
$1,667 / month; then 0% on general purchases
Requirement
Rewards opt-in; no points threshold
Points estimate
No points threshold after Rewards opt-in
AI cashback
Not listed
Per-service cap
Not listed
Best fit
A simple starting tier for Solid users who want 3% USDC cashback without first building a points balance.
Upgrade
Prime
Virtual Visa
5,000,000 pts/50,000 FUSErequirement
Cashback
4% in USDC
General cashback cap
$100 / month
General cashback spend
$2,500 / month; then 0% on general purchases
Requirement
5,000,000 points or 50,000 FUSE (≈$148) maintained in soFUSE savings vault · No lockup
Points estimate
~208 days at $1,000 Savings from zero; spend-only $5M
AI cashback
25% · ChatGPT/Claude/Gemini
Per-service cap
$50 cashback / service / month
Best fit
For Solid Savings users comfortable with soUSD vault yield and risk who want a practical path toward 4% general cashback and 25% AI cashback.
Upgrade
Ultra
Virtual Visa
35,000,000 pts/400,000 FUSErequirement
Cashback
5% in USDC
General cashback cap
$200 / month
General cashback spend
$4,000 / month; then 0% on general purchases
Requirement
35,000,000 points or 400,000 FUSE (≈$1,188) maintained in soFUSE savings vault · No lockup
Points estimate
~4.0 years at $1,000 Savings from zero; spend-only $35M
AI cashback
50% · ChatGPT/Claude/Gemini
Per-service cap
$50 cashback / service / month
Best fit
For experienced Solid Savings users comfortable keeping a larger soUSD vault balance to work toward 5% general cashback and 50% AI cashback.
FUSE tier thresholds are shown in tokens because their USD value moves with the market. Current FUSE price: $0.0030CoinGecko ↗
Visa network
Available
Virtual cardAvailable
Physical cardVirtual only
ATM withdrawalsNo ATM access
Wallets & apps
Apple PayAvailable
Google PayAvailable
Agent WalletEOA for x402 payments on Base
iOS appAvailable
Android appAvailable
Web appAvailable
Account rails
Stablecoin depositsAvailable
USD virtual accountACH / Wire receive
Own-name bank depositsNo stated Solid limit
Third-party depositsup to $4,000/transfer
Rail eligibilityKYC/KYB and region dependent
Crypto depositsSavings asset that can fund the card through Wallet/Savings top-up · Deposits arrive in Wallet or are bridged/converted into soUSD before Savings/card funding, depending on entry path · Auto-converted into stablecoin/USD balance on receiptsoUSDUSDCUSDTFUSE9 assetsFee0%SpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
USDC/USDT deposits are not presented as direct external-wallet card spend. Solid routes funding through Wallet, Savings/soUSD and Card balance; Savings top-up converts soUSD to USDC before loading the card. · Receive-only crypto deposit. The asset is converted after it reaches the card app.
Bank deposits
1 route
RouteCostSpeedLimitsScopeDetails
USD virtual accountOwn-name bank deposits have no stated Solid per-transaction, monthly or yearly limit.USDFeeNo fixed feeSpeedVaries by railLimitsOwn-name bank deposits have no stated Solid per-transaction, monthly or yearly limit.AvailabilityConfirmed scopeDetails
Fee components
No provider transfer fee
Access path
Via connected wallet
Availability
Own-name bank deposits have no stated Solid per-transaction, monthly or yearly limit. Third-party deposits are available up to $4,000/transfer. Available only for eligible users/locations after KYC/KYB; the Virtual Account itself does not hold a separate balance.
Account setup
own name
Balance & conversionWallet control
Assets stay in the connected wallet until an authorized spend or transfer action.
What happens on receipt
Supported stablecoins follow the account credit settings. 5 mapped receive-only non-stable assets are auto-converted into the stablecoin/USD balance on receipt.
Money outWays to send, withdraw or settle1 routeExternal crypto sends11 networksoUSDUSDC
External crypto sends
1 route
RouteCostSpeedLimitsScopeDetails
Solid / Fuse wallet transfersSends supported assets through the listed crypto transfer route.soUSDUSDCFUSEFuseFee0.01% + No fixed feeSpeedNetwork-dependentLimitsShown in appAvailabilityConfirmed scopeDetails
Fee components
0.01% · transfer
No fixed transfer fee
Access path
Via connected wallet
Asset / network map
soUSD: Fuse · USDC: Fuse · FUSE: Fuse
Availability
Solid wallet on Fuse and supported external networks
Account setup
virtual account
Main constraint59
Availability & eligibility
Approved availability facts: 49 supported country records and 17 unavailable country records; kyc is required.
