Coin98Coin98 Fusion
60
Side-by-side card comparison
Coin98 Fusion vs Solayer Pay: overall score versus use-case fit
Coin98 Fusion Card has the higher Overall Score by 5 points (60 vs 55). Coin98 Fusion Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Solayer Pay Card comes out ahead for Cashback.
Information checked Aug 12, 202648 official sources reviewed
01 · Overall score versus use-case fit
Coin98 Fusion Card is the better all-round starting point
Coin98 Fusion Card has the higher Overall Score in this comparison. Solayer Pay Card may be the better fit for Cashback. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallCoin98 Fusion60Solayer Pay55Higher score
CashbackCoin98 Fusion17Solayer Pay20Higher score
TravelCoin98 Fusion65Solayer Pay53Higher score
Funds controlCoin98 Fusion64Solayer Pay47Higher score
Lowest feesCoin98 Fusion72Solayer Pay43Higher score
TransfersCoin98 Fusion39Solayer Pay29Higher score
Choose Coin98 Fusion Card if travel and funds control matter most
Coin98 Fusion Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual Visa with both phone wallets
- USDC and USDT top-ups on five networks
- No monthly or annual card fee
Choose Solayer Pay Card if cashback matters most
Solayer Pay Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Coin98 Fusion60Solayer Pay55
Coin98 Fusion Card has the higher Overall Score by 5 points.
- Entry cost & FX
- Coin98 Fusion$0 plan · 1.7% foreign-currency conversion FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Coin98 Fusion Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Coin98 Fusion0% cashbackSolayer Pay0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- Coin98 FusionHybrid custodySolayer PayCustodial balance
Coin98 Fusion Card uses a hybrid custody setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Coin98 FusionVirtual · Apple Pay, Google PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Solayer Pay Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Coin98 Fusion2 stablecoins · Not modeledSolayer Pay1 stablecoin · Not modeled
Coin98 Fusion Card lists more stablecoins and ways to send money out (2 vs 1).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.7% foreign-currency conversion
- ATM fee
- 1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
- Cashback
- 0% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsCoin98 Fusion CardOverall60Solayer Pay CardOverall55
Coin98 Fusion CardOverall60Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Coin98 Fusion Card60Solayer Pay Card55
- Cashback score
- Coin98 Fusion Card17Solayer Pay Card20
- Travel score
- Coin98 Fusion Card65Solayer Pay Card53
- Funds control score
- Coin98 Fusion Card64Solayer Pay Card47
- Lowest fees score
- Coin98 Fusion Card72Solayer Pay Card43
- Transfers score
- Coin98 Fusion Card39Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Coin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networksSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Coin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees applySolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Coin98 Fusion Card$0Solayer Pay Card$20/year
- FX fee
- Coin98 Fusion Card1.7% foreign-currency conversionSolayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Coin98 Fusion Card1%Solayer Pay Card1%
- Card spending fee
- Coin98 Fusion CardNot disclosedSolayer Pay Card$0.15
- ATM fee
- Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surchargeSolayer Pay CardNot disclosed
- Virtual card
- Coin98 Fusion CardUSD 9 issuance/activation feeSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Coin98 Fusion CardNot applicable while the physical card is under developmentSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Coin98 Fusion CardNot disclosedSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Coin98 Fusion CardNot disclosedSolayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Coin98 Fusion CardVisaSolayer Pay CardVisa
- Card formats
- Coin98 Fusion CardVirtualSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Coin98 Fusion CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- Coin98 Fusion CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Coin98 Fusion CardiOS, AndroidSolayer Pay CardiOS, Android
- Daily spending limit
- Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limitSolayer Pay CardShown in app
- Monthly spending limit
- Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limitSolayer Pay CardShown in app
- ATM limit
- Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclearSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Coin98 Fusion CardEthereum, Solana, Polygon, Base, TronSolayer Pay CardSolana
- Crypto deposits
- Coin98 Fusion CardStablecoins: USDC, USDTSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Coin98 Fusion CardNot disclosedSolayer Pay CardNot disclosed
- Transfers
- Coin98 Fusion CardNot disclosedSolayer Pay CardNot disclosed
- Payout currencies
- Coin98 Fusion CardNot disclosedSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Coin98 Fusion Card0%Solayer Pay Card0%
- Max cashback
- Coin98 Fusion Card0%Solayer Pay CardNot disclosed
- Reward currency
- Coin98 Fusion CardNot applicableSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Coin98 Fusion CardNot offeredSolayer Pay CardUp to 3.5% APY
- How it works
- Coin98 Fusion CardNot offeredSolayer Pay CardEarn on spending balance
- Separate deposit
- Coin98 Fusion CardNot offeredSolayer Pay CardNo
- Use balance for spending
- Coin98 Fusion CardNot offeredSolayer Pay CardYes
- Lock-up
- Coin98 Fusion CardNot offeredSolayer Pay CardNo
Trust & availability
5 fields- Custody
- Coin98 Fusion CardHybrid custodySolayer Pay CardCustodial
- Control until payment
- Coin98 Fusion CardProvider controls fundsSolayer Pay CardProvider controls funds
- Card issuer
- Coin98 Fusion CardDCS Card Centre Pte. Ltd.Solayer Pay CardThird National
- Identity verification
- Coin98 Fusion CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- Coin98 Fusion CardNot disclosedSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Coin98 Fusion Card23Solayer Pay Card25
- Last reviewed
- Coin98 Fusion CardAug 5, 2026Solayer Pay CardAug 12, 2026
04 · The trade-off
Coin98 Fusion Card is the stronger all-round choice
Coin98 Fusion Card finishes ahead with an Overall Score of 60 versus 55 for Solayer Pay Card. Coin98 Fusion Card has the lower starting plan cost ($0 vs $20/year). Both cards show the same base cashback rate of 0%.
Solayer Pay Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Coin98 Fusion Card uses a hybrid custody setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Coin98 Fusion Card lists more stablecoins and ways to send money out (2 vs 1). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Coin98 Fusion Card and Solayer Pay Card reviews first.
Continue with
Coin98 Fusion Card
Continue with
Solayer Pay Card
05 · Common questions
Coin98 Fusion vs Solayer Pay FAQ
Is Coin98 Fusion or Solayer Pay better overall?
Coin98 Fusion Card has the higher Overall Score (60 vs 55). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Coin98 Fusion or Solayer Pay?
Coin98 Fusion Card has the lower starting plan cost ($0 vs $20/year). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Coin98 Fusion or Solayer Pay?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Coin98 Fusion and Solayer Pay differ on custody?
Coin98 Fusion Card uses a hybrid custody setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Coin98 Fusion vs Solayer Pay comparison?
The latest information check for these two cards was August 12, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.