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Your comparison2 of 4 cards selected
Compare two cards at a time. Add up to four with Change cards, then use the card menus to switch the pair.
Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
Card preview image
55Overall

Best fit

  • Solana users funding virtual and physical Visa purchases with USDC.
  • Spending eligible sUSD balances while they earn a variable yield.

Before you choose

  • The base plan costs $20/year; top-ups can add up to 1% and delivery is extra.
  • Emerald Points have no fixed cash conversion or guaranteed future token value.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
MPChat Card: 52
Solayer Pay Card: 55
Cashback score
MPChat Card: 18
Solayer Pay Card: 21
Travel score
MPChat Card: 72
Solayer Pay Card: 53
Funds control score
MPChat Card: 41
Solayer Pay Card: 47
Lowest fees score
MPChat Card: 60
Solayer Pay Card: 43
Transfers score
MPChat Card: 58
Solayer Pay Card: 29
02

Costs

Plan cost
MPChat Card: $0
Solayer Pay Card: $20/year
FX fee
MPChat Card: 0%
Solayer Pay Card: Up to 3% stated + $0.10; components may stack
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Solayer Pay Card: 1%
Card spending fee
MPChat Card: 0.8%
Solayer Pay Card: $0.15
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Solayer Pay Card: Not disclosed
Virtual card
MPChat Card: Cloud: 10 USDT one time
Solayer Pay Card: $0
Physical card
MPChat Card: $100
Solayer Pay Card: $0
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
Solayer Pay Card: Solayer Pay
Base cashback
MPChat Card: Not disclosed
Solayer Pay Card: 0%
Max cashback
MPChat Card: Not disclosed
Solayer Pay Card: Not disclosed
Reward currency
MPChat Card: Not disclosed
Solayer Pay Card: Emerald Points
Cashback cap · entry plan
MPChat Card: Not disclosed
Solayer Pay Card: Not disclosed
Points earned
MPChat Card: Not disclosed
Solayer Pay Card: 1–5 points / $1
Points asset
MPChat Card: Not disclosed
Solayer Pay Card: Emerald Points
Points utility
MPChat Card: Not disclosed
Solayer Pay Card: Details to be announced
04

Everyday use

Network
MPChat Card: Visa
Solayer Pay Card: Visa
Card formats
MPChat Card: Virtual, Physical
Solayer Pay Card: Virtual, Physical
ATM withdrawals
MPChat Card: Available
Solayer Pay Card: Available
Mobile wallets
MPChat Card: Google Pay
Solayer Pay Card: Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
Solayer Pay Card: iOS, Android
Daily spending limit
MPChat Card: $250,000 / day
Solayer Pay Card: Dynamic / shown in app
Monthly spending limit
MPChat Card: $1,000,000 / month
Solayer Pay Card: Dynamic / shown in app
ATM limit
MPChat Card: $1,500 / day
Solayer Pay Card: Limits shown in app
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
Solayer Pay Card: Solana
Stablecoin deposits
MPChat Card: USDT
Solayer Pay Card: USDC
Other crypto deposits
MPChat Card: Not disclosed
Solayer Pay Card: Not disclosed
Fiat deposits
MPChat Card: Not disclosed
Solayer Pay Card: Not disclosed
Crypto transfers
MPChat Card: External USDT withdrawal
Solayer Pay Card: Not disclosed
Internal transfers
MPChat Card: Not disclosed
Solayer Pay Card: Not disclosed
Bank transfers
MPChat Card: Not disclosed
Solayer Pay Card: Not disclosed
Payout currencies
MPChat Card: Not disclosed
Solayer Pay Card: Not disclosed
06

Earn

Advertised APY
MPChat Card: Not offered
Solayer Pay Card: Up to 3.5% APY
How it works
MPChat Card: Not offered
Solayer Pay Card: Earn on spending balance
Separate deposit
MPChat Card: Not offered
Solayer Pay Card: No
Use balance for spending
MPChat Card: Not offered
Solayer Pay Card: Yes
Lock-up
MPChat Card: Not offered
Solayer Pay Card: No
07

Trust & sources

Custody
MPChat Card: Custodial
Solayer Pay Card: Custodial
Control until payment
MPChat Card: Provider controls funds
Solayer Pay Card: Provider controls funds
Card issuer
MPChat Card: Not disclosed
Solayer Pay Card: Third National
Identity verification
MPChat Card: Not disclosed
Solayer Pay Card: Sumsub
Programme operator
MPChat Card: Not disclosed
Solayer Pay Card: Solayer Labs, Inc.
Official sources
MPChat Card: 30
Solayer Pay Card: 25
Last reviewed
MPChat Card: Nov 12, 2026
Solayer Pay Card: Nov 12, 2026

Using the comparison

Compare cards FAQ

Can I compare more than two cards on my phone?

Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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