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Side-by-side card comparison

MPChat vs Solid

Solid Card has the higher Overall Score by 34 points (86 vs 52). MPChat Card looks stronger for Travel, while Solid Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.

Latest check Nov 12, 202650 official sources reviewed
Compare fees & features Edit this comparison

MPChat Card

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.
  • Occasional card use with a one-time issuance price and no monthly plan fee.

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.
  • The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Get MPChatRead review

Solid Card

Best fit

  • Core users earning 3% in USDC after Rewards opt-in, capped at $50/month.
  • Wirex users paying in EUR with 0% FX when EURC covers the full purchase.
  • Funding card spending through crypto, bank transfers or local-currency routes.

Before you choose

  • Cashback arrives 14 days after settlement; savings boosts pay in soFUSE.
  • Category boosts cover the first qualifying purchase per category each month.
  • Prime needs $199/year or a 12-month FUSE lock; Ultra requires a larger lock.
Get SolidRead review

Fees & features

Compare the details

Cards
MPChat CardOverall52
Solid CardOverall86
01

Scores

Overall Score
MPChat Card
52
Solid Card
86
Cashback score
MPChat Card
18
Solid Card
89
Travel score
MPChat Card
72
Solid Card
57
Funds control score
MPChat Card
41
Solid Card
95
Lowest fees score
MPChat Card
60
Solid Card
82
Transfers score
MPChat Card
58
Solid Card
93
02

Costs

Plan cost
MPChat Card
$0
Solid Card
$0
FX fee
MPChat Card
0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate
Solid Card
0–1.5%
Top-up fee
MPChat Card
USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Solid Card
0.03–0.1%
Card spending fee
MPChat Card
$0.10 + 0.8%
Solid Card
0%
ATM fee
MPChat Card
Boundless only: 2%, minimum $1; Cloud has no ATM access
Solid Card
Not available
Virtual card
MPChat Card
Cloud: 10 USDT one time
Solid Card
Virtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
Physical card
MPChat Card
Boundless: 100 USDT one time
Solid Card
Physical card not listed
03

Plans & rewards

Available plans
MPChat Card
2 plans: Cloud Card, Boundless Card
Solid Card
3 plans: Core, Prime, Ultra
Top cashback plan
MPChat Card
Not disclosed
Solid Card
Ultra: 5%
Base cashback
MPChat Card
Not disclosed
Solid Card
3%
Max cashback
MPChat Card
Not disclosed
Solid Card
5%
Reward currency
MPChat Card
Not disclosed
Solid Card
USDC cashback
04

Everyday use

Network
MPChat Card
Visa
Solid Card
Visa
Card formats
MPChat Card
Virtual, Physical
Solid Card
Virtual
ATM withdrawals
MPChat Card
Available
Solid Card
Not available
Mobile wallets
MPChat Card
Google Pay
Solid Card
Apple Pay, Google Pay
Apps
MPChat Card
Not disclosed
Solid Card
iOS, Android, Web
Daily spending limit
MPChat Card
Up to $250,000 and conservatively 50 purchases per day; app limits may be lower
Solid Card
Shown in app
Monthly spending limit
MPChat Card
Up to $1,000,000 per month; app limit may be lower
Solid Card
Shown in app
ATM limit
MPChat Card
Boundless: up to $1,500 per withdrawal and day; $15,000 monthly
Solid Card
Not disclosed
05

Funding & transfers

Networks
MPChat Card
Tron (TRC20)
Solid Card
Fuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
Crypto deposits
MPChat Card
Stablecoins: USDT
Solid Card
Stablecoins: soUSD, USDC, USDT, FUSE, EURC; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
Fiat deposits
MPChat Card
Not disclosed
Solid Card
USD virtual account, TransFi ARS funding, TransFi COP funding, TransFi BDT funding +13
Transfers
MPChat Card
Stablecoin transfers
Solid Card
Stablecoin transfers; Bank withdrawal
Payout currencies
MPChat Card
Not disclosed
Solid Card
Not disclosed
06

Earn

Advertised APY
MPChat Card
Not offered
Solid Card
Up to 14% APY
How it works
MPChat Card
Not offered
Solid Card
Borrow against collateral, Optional earn vault
Separate deposit
MPChat Card
Not offered
Solid Card
Yes
Use balance for spending
MPChat Card
Not offered
Solid Card
Not disclosed
Lock-up
MPChat Card
Not offered
Solid Card
Not disclosed
07

Trust & availability

Custody
MPChat Card
Custodial
Solid Card
Self-custody
Control until payment
MPChat Card
Provider controls funds
Solid Card
You keep control
Card issuer
MPChat Card
Not disclosed
Solid Card
Rain, Third National, Wirex
Card processing
MPChat Card
Not disclosed
Solid Card
Fuse Network Ltd
Programme operator
MPChat Card
Not disclosed
Solid Card
Fuse Network Ltd

Sign-up Offers

Unofficial MPChat-inspired card design concept; not an issued card design

MPChat Card

Partner offer

5 USDT after first virtual card approval

Complete application and card approval; the reward is credited to MPChat Pay after approval.

MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.

Offer details & conditions

Download MPChat through this referral link.

Download MPChat through the referral link.

Enter coupon ID 76912265 during activation of your first virtual card.

Enter this coupon ID during first virtual card activation76912265

The offer is for a referred user's first virtual card; Boundless physical-card activation is not confirmed as eligible.

MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.

Get MPChatRead review
Solid dark green Visa Platinum card front visual

Solid Card

Partner offer

$25 in FUSE

Within 30 days of signup: $150 at 3+ shops, at least $10 at each. Eligible purchases only; those under $2 do not count.

Then make one more eligible purchase of $10+ before payout.

Offer details & conditions

Sign up through this referral link.

Sign up through the referral link, verify identity and activate the Solid Card.

Within 30 days of signup, spend $150 on eligible everyday purchases at three or more shops, at least $10 total at each. Purchases below $2 do not count.

After qualification, make one more eligible purchase of at least $10 before payout.

Rewards normally pay in FUSE to Savings 30 days after qualification; review can add up to 14 days. Refunds, pending payments, wallet/card top-ups, gift cards, transfers, financial services and other excluded categories do not qualify.

If the referral is not shown automatically, use this promo code.15QRE

The $25 value converts to FUSE at payout; FUSE can lose value. October 8 eligibility changes apply to all unpaid rewards, including already-qualified referrals. Referrals before September 8 retain $15 USDC / $75 spend, subject to the updated eligibility rules. Maximum 50 referral rewards. Solid can change or end the programme.

Get SolidRead review
See other offers

Partner links may earn us a commission. They never affect scores or rankings. Affiliate disclosure

Choosing between these cards

When to choose MPChat or Solid

Keeping control of your funds

Solid suits spending while retaining control of your funds until payment. With MPChat, control passes to the provider before the purchase.

Withdrawing cash

If you need ATM withdrawals, MPChat supports them; Solid does not. Check physical-card availability, withdrawal fees and limits before relying on it for cash.

Paying with a physical card

MPChat offers a physical card, while Solid does not. For purchases that require the card itself rather than a phone wallet, consider MPChat and check its order and delivery terms.

Common questions

MPChat vs Solid FAQ

Is MPChat or Solid better overall?

Solid Card has the higher Overall Score (86 vs 52). 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, MPChat or Solid?

MPChat Card has the lower published FX fee (0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate vs 0–1.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.

Which has better cashback, MPChat or Solid?

The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.

How do MPChat and Solid differ on custody?

MPChat Card uses a custodial balance setup, while Solid Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.

How current is this MPChat vs Solid comparison?

The latest information check for these two cards was November 12, 2026, using 50 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.

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