KoloKolo
73
Side-by-side card comparison
Kolo vs Solayer Pay: fees, rewards and account setup
Kolo Card has the higher Overall Score by 18 points (73 vs 55). Kolo 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 28, 202653 official sources reviewed
01 · Make the first cut
Kolo Card is the better all-round starting point
Kolo 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.
OverallKolo73Solayer Pay55Higher score
CashbackKolo54Solayer Pay20Higher score
TravelKolo70Solayer Pay53Higher score
Funds controlKolo56Solayer Pay47Higher score
Lowest feesKolo83Solayer Pay43Higher score
TransfersKolo92Solayer Pay29Higher score
Choose Kolo Card if cashback and travel matter most
Kolo 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.
- Free virtual Visa Platinum
- 2% BTC cashback for 30 days
- Several withdrawal routes
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
- Kolo73Solayer Pay55
Kolo Card has the higher Overall Score by 18 points.
- Entry cost & FX
- Kolo$0 plan · 1% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Kolo Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Kolo1% base · up to 2%Solayer Pay0% base
Kolo Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- KoloCustodial balanceSolayer PayCustodial balance
Kolo Card and Solayer Pay Card use the same custodial balance setup.
- Everyday access
- KoloVirtual · 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
- Kolo5 stablecoins · Stablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawalSolayer Pay1 stablecoin · Not modeled
Kolo Card lists more stablecoins and ways to send money out (10 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
- 1%-2%
- Plan cost
- $0
- FX fee
- 1%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 20 crypto · 0 fiat
- Payout methods
- 20 crypto · 1 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
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
CardsKolo CardOverall73Solayer Pay CardOverall55
Kolo CardOverall73Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Kolo Card73Solayer Pay Card55
- Cashback score
- Kolo Card54Solayer Pay Card20
- Travel score
- Kolo Card70Solayer Pay Card53
- Funds control score
- Kolo Card56Solayer Pay Card47
- Lowest fees score
- Kolo Card83Solayer Pay Card43
- Transfers score
- Kolo Card92Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Kolo CardFree virtual Visa Platinum, 2% BTC cashback for 30 daysSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Kolo CardConversion and FX fees can stack, Card spending uses a custodial walletSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Kolo Card$0Solayer Pay Card$20/year
- FX fee
- Kolo Card1%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Kolo Card0%Solayer Pay Card1%
- Card spending fee
- Kolo CardNot disclosedSolayer Pay Card$0.15
- ATM fee
- Kolo Card$1 + 0.65%Solayer Pay CardNot disclosed
- Virtual card
- Kolo CardFreeSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Kolo CardPlanned for Q3 2026; not currently availableSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Kolo CardNot disclosedSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Kolo CardNot disclosedSolayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Kolo CardVisaSolayer Pay CardVisa
- Card formats
- Kolo CardVirtualSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Kolo CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- Kolo CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Kolo CardiOS, AndroidSolayer Pay CardiOS, Android
- Daily spending limit
- Kolo Card$9,000/daySolayer Pay CardShown in app
- Monthly spending limit
- Kolo Card$9,000/monthSolayer Pay CardShown in app
- ATM limit
- Kolo Card$500/withdrawal; 3 withdrawals/24hSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Kolo CardNot disclosedSolayer Pay CardSolana
- Crypto deposits
- Kolo CardStablecoins: USDT, USDC, DAI, EURC, EURI; Other crypto: BTC, ETH, SOL, BNB, LTC +10Solayer Pay CardStablecoins: USDC
- Fiat deposits
- Kolo CardNot disclosedSolayer Pay CardNot disclosed
- Transfers
- Kolo CardStablecoin transfers; Kolo user transfers, Transfers between your Kolo wallets; Withdraw to an eligible card, EUR SEPA withdrawalSolayer Pay CardNot disclosed
- Payout currencies
- Kolo CardEURSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Kolo Card1%Solayer Pay Card0%
- Max cashback
- Kolo Card2%Solayer Pay CardNot disclosed
- Reward currency
- Kolo CardBTC cashbackSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Kolo CardNot offeredSolayer Pay CardUp to 3.5% APY
- How it works
- Kolo CardNot offeredSolayer Pay CardEarn on spending balance
- Separate deposit
- Kolo CardNot offeredSolayer Pay CardNo
- Use balance for spending
- Kolo CardNot offeredSolayer Pay CardYes
- Lock-up
- Kolo CardNot offeredSolayer Pay CardNo
Trust & availability
5 fields- Custody
- Kolo CardCustodialSolayer Pay CardCustodial
- Control until payment
- Kolo CardProvider controls fundsSolayer Pay CardProvider controls funds
- Card issuer
- Kolo CardBanco Popular de Puerto Rico, Wirex LimitedSolayer Pay CardThird National
- Identity verification
- Kolo CardSumSubSolayer Pay CardSumsub
- Programme operator
- Kolo CardHardline Holding LimitedSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Kolo Card28Solayer Pay Card25
- Last reviewed
- Kolo CardAug 28, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
Kolo Card is the stronger all-round choice
Kolo Card finishes ahead with an Overall Score of 73 versus 55 for Solayer Pay Card. Kolo Card has the lower starting plan cost ($0 vs $20/year). Kolo Card has the higher published base cashback rate (1% 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. Kolo Card and Solayer Pay Card use the same custodial balance setup.
Kolo Card lists more stablecoins and ways to send money out (10 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 Kolo Card and Solayer Pay Card reviews first.
Continue with
Kolo Card
Continue with
Solayer Pay Card
05 · Common questions
Kolo vs Solayer Pay FAQ
Is Kolo or Solayer Pay better overall?
Kolo Card has the higher Overall Score (73 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, Kolo or Solayer Pay?
Kolo 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, Kolo or Solayer Pay?
Kolo Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Kolo and Solayer Pay differ on custody?
Kolo Card and Solayer Pay Card use the same custodial balance setup.
How current is this Kolo vs Solayer Pay comparison?
The latest information check for these two cards was August 28, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.