Crypto.comCrypto.com Prepaid
57
Side-by-side card comparison
Crypto.com Prepaid vs Solayer Pay: overall score versus use-case fit
Crypto.com Prepaid Card has the higher Overall Score by 2 points (57 vs 55). Crypto.com Prepaid Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Solayer Pay Card comes out ahead for Funds control.
Information checked Aug 14, 202639 official sources reviewed
01 · Overall score versus use-case fit
Crypto.com Prepaid Card is the better all-round starting point
Crypto.com Prepaid Card has the higher Overall Score in this comparison. Solayer Pay Card may be the better fit for Funds control. 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.
OverallCrypto.com Prepaid57Solayer Pay55Higher score
CashbackCrypto.com Prepaid31Solayer Pay20Higher score
TravelCrypto.com Prepaid57Solayer Pay53Higher score
Funds controlCrypto.com Prepaid40Solayer Pay47Higher score
Lowest feesCrypto.com Prepaid48Solayer Pay43Higher score
TransfersCrypto.com Prepaid47Solayer Pay29Higher score
Choose Crypto.com Prepaid Card if cashback and travel matter most
Crypto.com Prepaid Card comes out ahead for Cashback, Travel, 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.
- Prepaid spend from a loaded balance
- Level Up tiers can raise CRO rewards
- Several card top-up paths
Choose Solayer Pay Card if funds control matters most
Solayer Pay Card comes out ahead for Funds control 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
- Crypto.com Prepaid57Solayer Pay55
Crypto.com Prepaid Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Crypto.com Prepaid$0 plan · 0–3% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Crypto.com Prepaid Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Crypto.com Prepaid0% base · up to 5%Solayer Pay0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- Crypto.com PrepaidCustodial balanceSolayer PayCustodial balance
Crypto.com Prepaid Card and Solayer Pay Card use the same custodial balance setup.
- Everyday access
- Crypto.com PrepaidVirtual + Physical · Apple Pay, Google PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Crypto.com Prepaid0 stablecoins · US card-to-card sendSolayer Pay1 stablecoin · Not modeled
Both cards list the same number of stablecoins and ways to send money out.
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%-5%
- Plan cost
- $0
- FX fee
- 0–3%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 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
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
CardsCrypto.com Prepaid CardOverall57Solayer Pay CardOverall55
Crypto.com Prepaid CardOverall57Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Crypto.com Prepaid Card57Solayer Pay Card55
- Cashback score
- Crypto.com Prepaid Card31Solayer Pay Card20
- Travel score
- Crypto.com Prepaid Card57Solayer Pay Card53
- Funds control score
- Crypto.com Prepaid Card40Solayer Pay Card47
- Lowest fees score
- Crypto.com Prepaid Card48Solayer Pay Card43
- Transfers score
- Crypto.com Prepaid Card47Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Crypto.com Prepaid CardPrepaid spend from a loaded balance, Level Up tiers can raise CRO rewardsSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Crypto.com Prepaid CardFees vary by method, tier and region, Spending uses a Crypto.com prepaid balanceSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Crypto.com Prepaid Card$0Solayer Pay Card$20/year
- FX fee
- Crypto.com Prepaid Card0–3%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Crypto.com Prepaid Card2.99%Solayer Pay Card1%
- Card spending fee
- Crypto.com Prepaid CardNot disclosedSolayer Pay Card$0.15
- ATM fee
- Crypto.com Prepaid Card0–2%Solayer Pay CardNot disclosed
- Virtual card
- Crypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listedSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Crypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Crypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1Solayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Crypto.com Prepaid CardPrivate Obsidian: 5%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Crypto.com Prepaid CardVisa/MastercardSolayer Pay CardVisa
- Card formats
- Crypto.com Prepaid CardVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Crypto.com Prepaid CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- Crypto.com Prepaid CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Crypto.com Prepaid CardiOS, AndroidSolayer Pay CardiOS, Android
- Daily spending limit
- Crypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/daySolayer Pay CardShown in app
- Monthly spending limit
- Crypto.com Prepaid CardUS Midnight $15,000/month; US Ruby and higher $25,000/month; Europe EUR 25,000/month; Europe EUR 250,000/yearSolayer Pay CardShown in app
- ATM limit
- Crypto.com Prepaid CardMonthly free ATM allowance by tier: midnight $200; ruby $400; jade Royal $800; icy Rose Obsidian $1,000; then 2%Solayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Crypto.com Prepaid CardNot disclosedSolayer Pay CardSolana
- Crypto deposits
- Crypto.com Prepaid CardOther crypto: BTC, ETHSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Crypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-upSolayer Pay CardNot disclosed
- Transfers
- Crypto.com Prepaid CardUS card-to-card sendSolayer Pay CardNot disclosed
- Payout currencies
- Crypto.com Prepaid CardNot disclosedSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Crypto.com Prepaid Card0%Solayer Pay Card0%
- Max cashback
- Crypto.com Prepaid Card5%Solayer Pay CardNot disclosed
- Reward currency
- Crypto.com Prepaid CardCRO rewardsSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Crypto.com Prepaid CardNot offeredSolayer Pay CardUp to 3.5% APY
- How it works
- Crypto.com Prepaid CardNot offeredSolayer Pay CardEarn on spending balance
- Separate deposit
- Crypto.com Prepaid CardNot offeredSolayer Pay CardNo
- Use balance for spending
- Crypto.com Prepaid CardNot offeredSolayer Pay CardYes
- Lock-up
- Crypto.com Prepaid CardNot offeredSolayer Pay CardNo
Trust & availability
5 fields- Custody
- Crypto.com Prepaid CardCustodialSolayer Pay CardCustodial
- Control until payment
- Crypto.com Prepaid CardProvider controls fundsSolayer Pay CardProvider controls funds
- Card issuer
- Crypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2Solayer Pay CardThird National
- Identity verification
- Crypto.com Prepaid CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- Crypto.com Prepaid CardCrypto.com, Foris, Inc.Solayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Crypto.com Prepaid Card14Solayer Pay Card25
- Last reviewed
- Crypto.com Prepaid CardAug 14, 2026Solayer Pay CardAug 12, 2026
04 · The trade-off
Crypto.com Prepaid Card is the stronger all-round choice
Crypto.com Prepaid Card finishes ahead with an Overall Score of 57 versus 55 for Solayer Pay Card. Crypto.com Prepaid 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 Funds control, which may matter more than the overall result if that is how you plan to use the card. Crypto.com Prepaid Card and Solayer Pay Card use the same custodial balance setup.
Both cards list the same number of stablecoins and ways to send money out. 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 Crypto.com Prepaid Card and Solayer Pay Card reviews first.
Continue with
Crypto.com Prepaid Card
Continue with
Solayer Pay Card
05 · Common questions
Crypto.com Prepaid vs Solayer Pay FAQ
Is Crypto.com Prepaid or Solayer Pay better overall?
Crypto.com Prepaid Card has the higher Overall Score (57 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, Crypto.com Prepaid or Solayer Pay?
Crypto.com Prepaid 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, Crypto.com Prepaid 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 Crypto.com Prepaid and Solayer Pay differ on custody?
Crypto.com Prepaid Card and Solayer Pay Card use the same custodial balance setup.
How current is this Crypto.com Prepaid vs Solayer Pay comparison?
The latest information check for these two cards was August 14, 2026, using 39 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.