ether.fiether.fi Cash
87
Side-by-side card comparison
ether.fi Cash vs Solayer Pay: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 32 points (87 vs 55). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Solayer Pay Card may still be the better personal fit.
Information checked Aug 25, 202644 official sources reviewed
01 · Make the first cut
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Solayer Pay Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
Overallether.fi Cash87Solayer Pay55Higher score
Cashbackether.fi Cash86Solayer Pay20Higher score
Travelether.fi Cash84Solayer Pay53Higher score
Funds controlether.fi Cash96Solayer Pay47Higher score
Lowest feesether.fi Cash69Solayer Pay43Higher score
Transfersether.fi Cash97Solayer Pay29Higher score
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash Card comes out ahead for Cashback, 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.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
Choose Solayer Pay Card if its day-to-day setup suits you
Solayer Pay Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- ether.fi Cash87Solayer Pay55
ether.fi Cash Card has the higher Overall Score by 32 points.
- Entry cost & FX
- ether.fi Cash$0 plan · 0–0.2% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
ether.fi Cash Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- ether.fi Cash3% cashbackSolayer Pay0% base
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- ether.fi CashNon-custodial accountSolayer PayCustodial balance
ether.fi Cash Card uses a non-custodial account 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
- ether.fi CashVirtual + 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
- ether.fi Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutSolayer Pay1 stablecoin · Not modeled
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 1).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 3%
- Plan cost
- $0
- FX fee
- 0–0.2%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 19 crypto · 2 fiat
- Payout methods
- 5 crypto · 2 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
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
Cardsether.fi Cash CardOverall87Solayer Pay CardOverall55
ether.fi Cash CardOverall87Solayer Pay CardOverall55Scores
6 fields- Overall Score
- ether.fi Cash Card87Solayer Pay Card55
- Cashback score
- ether.fi Cash Card86Solayer Pay Card20
- Travel score
- ether.fi Cash Card84Solayer Pay Card53
- Funds control score
- ether.fi Cash Card96Solayer Pay Card47
- Lowest fees score
- ether.fi Cash Card69Solayer Pay Card43
- Transfers score
- ether.fi Cash Card97Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- ether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendableSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- ether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid cardSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- ether.fi Cash Card$0Solayer Pay Card$20/year
- FX fee
- ether.fi Cash Card0–0.2%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- ether.fi Cash CardNot disclosedSolayer Pay Card1%
- Card spending fee
- ether.fi Cash CardNot disclosedSolayer Pay Card$0.15
- ATM fee
- ether.fi Cash Card2%Solayer Pay CardNot disclosed
- Virtual card
- ether.fi Cash CardUp to 50 free virtual cards by tierSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- ether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical cardSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- ether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIPSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- ether.fi Cash CardCore: 3%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- ether.fi Cash CardVisaSolayer Pay CardVisa
- Card formats
- ether.fi Cash CardVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- ether.fi Cash CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- ether.fi Cash CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- ether.fi Cash CardiOS, Android, WebSolayer Pay CardiOS, Android
- Daily spending limit
- ether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/daySolayer Pay CardShown in app
- Monthly spending limit
- ether.fi Cash CardMonthly limit shown in app; cashback caps vary by planSolayer Pay CardShown in app
- ATM limit
- ether.fi Cash Card$250/withdrawal; $750/daySolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- ether.fi Cash CardOptimismSolayer Pay CardSolana
- Crypto deposits
- ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9Solayer Pay CardStablecoins: USDC
- Fiat deposits
- ether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receiveSolayer Pay CardNot disclosed
- Transfers
- ether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payoutSolayer Pay CardNot disclosed
- Payout currencies
- ether.fi Cash CardEUR, USDSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- ether.fi Cash Card3%Solayer Pay Card0%
- Max cashback
- ether.fi Cash Card3%Solayer Pay CardNot disclosed
- Reward currency
- ether.fi Cash CardUSD cashback paid in USDCSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- ether.fi Cash CardUp to 5.02% APYSolayer Pay CardUp to 3.5% APY
- How it works
- ether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vaultSolayer Pay CardEarn on spending balance
- Separate deposit
- ether.fi Cash CardNot disclosedSolayer Pay CardNo
- Use balance for spending
- ether.fi Cash CardNot disclosedSolayer Pay CardYes
- Lock-up
- ether.fi Cash CardNot disclosedSolayer Pay CardNo
Trust & availability
6 fields- Custody
- ether.fi Cash CardNon-custodialSolayer Pay CardCustodial
- Control until payment
- ether.fi Cash CardYou keep controlSolayer Pay CardProvider controls funds
- Card issuer
- ether.fi Cash CardThird NationalSolayer Pay CardThird National
- Deposits & withdrawals
- ether.fi Cash CardSEPA third-party providerSolayer Pay CardNot disclosed
- Identity verification
- ether.fi Cash CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- ether.fi Cash Cardether.fi, Ether.Fi SEZCSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- ether.fi Cash Card19Solayer Pay Card25
- Last reviewed
- ether.fi Cash CardAug 25, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 87 versus 55 for Solayer Pay Card. ether.fi Cash Card has the lower starting plan cost ($0 vs $20/year). ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
Solayer Pay Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. ether.fi Cash Card uses a non-custodial account 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.
ether.fi Cash Card lists more stablecoins and ways to send money out (9 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 ether.fi Cash Card and Solayer Pay Card reviews first.
Continue with
ether.fi Cash Card
Continue with
Solayer Pay Card
05 · Common questions
ether.fi Cash vs Solayer Pay FAQ
Is ether.fi Cash or Solayer Pay better overall?
ether.fi Cash Card has the higher Overall Score (87 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, ether.fi Cash or Solayer Pay?
ether.fi Cash 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, ether.fi Cash or Solayer Pay?
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do ether.fi Cash and Solayer Pay differ on custody?
ether.fi Cash Card uses a non-custodial account 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 ether.fi Cash vs Solayer Pay comparison?
The latest information check for these two cards was August 25, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.