MPChatMPChat
52
Side-by-side card comparison
MPChat vs Solid: where the score gap comes from
Solid Card has the higher Overall Score by 37 points (89 vs 52). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 23, 202650 official sources reviewed
01 · Where the gap opens
Solid Card is the better all-round starting point
Solid Card has the higher Overall Score in this comparison. MPChat 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.
OverallMPChat52Solid89Higher score
CashbackMPChat18Solid91Compare the details below
TravelMPChat72Solid64Compare the details below
Funds controlMPChat41Solid97Compare the details below
Lowest feesMPChat60Solid89Compare the details below
TransfersMPChat58Solid83Compare the details below
Choose MPChat Card if its day-to-day setup suits you
MPChat 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. Read the side-by-side details before deciding.
- Virtual and physical options
- No monthly card fee
- USDT funding on Tron
Choose Solid Card if its day-to-day setup suits you
Solid 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. Read the side-by-side details before deciding.
- Savings can stay productive while spending
- Up to 50% on eligible subscriptions
- Eligible ACH/wire receive details
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- MPChat52Solid89
Solid Card has the higher Overall Score by 37 points.
- Entry cost & FX
- MPChat$0 plan · 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate FXSolid$0 plan · 0–1% FX
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 0–1%).
- Purchase rewards
- MPChatNot disclosedSolid3% base · up to 5%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- MPChatCustodial balanceSolidSelf-controlled wallet
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.
- Everyday access
- MPChatVirtual + Physical · Google PaySolidVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- MPChat1 stablecoin · Stablecoin transfersSolid3 stablecoins · Stablecoin transfers
Solid Card lists more stablecoins and ways to send money out (5 vs 2).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- Not disclosed
- Plan cost
- $0
- FX fee
- 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- ATM fee
- Boundless only: 2%, minimum $1; Cloud has no ATM access
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 3%-5%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 9 crypto · 17 fiat
- Payout methods
- 3 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
MPChat Card
5 USDT after first virtual card approval
First virtual card referral reward
- Download MPChat through the referral link.
- Enter coupon ID 76912265 during activation of your first virtual card.
- Complete application and card approval; the reward is credited to MPChat Pay after approval.
Coupon ID76912265
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Solid Card
$25 in FUSE
$25 in FUSE after $150 of qualifying card spend
- Sign up through the referral link and activate the Solid Card.
- Spend $150 across at least 3 different merchants within 30 days of signup.
- Receive FUSE in Savings approximately 30 days after qualification; refunded and excluded transactions do not count.
Solid Card promo code15QRE
For referrals from September 8, 2026. The $25 value is converted to FUSE at payout; FUSE can lose value. Earlier referrals keep the previous rules. Solid may change or end the programme.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsMPChat CardOverall52Solid CardOverall89
MPChat CardOverall52Solid CardOverall89Scores
6 fields- Overall Score
- MPChat Card52Solid Card89
- Cashback score
- MPChat Card18Solid Card91
- Travel score
- MPChat Card72Solid Card64
- Funds control score
- MPChat Card41Solid Card97
- Lowest fees score
- MPChat Card60Solid Card89
- Transfers score
- MPChat Card58Solid Card83
Strengths & trade-offs
2 fields- Strengths
- MPChat CardVirtual and physical options, No monthly card feeSolid CardSavings can stay productive while spending, Up to 50% on eligible subscriptions
- Trade-offs
- MPChat CardPurchase fee on each spend, Effective conversion cost unclearSolid CardThe best rates require millions of points, ATM availability is still being checked
Costs
7 fields- Plan cost
- MPChat Card$0Solid Card$0
- FX fee
- MPChat Card0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separateSolid Card0–1%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardSolid Card0%
- Card spending fee
- MPChat Card$0.15 + 0.8%Solid Card0%
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessSolid CardNot available
- Virtual card
- MPChat CardCloud: 10 USDT one timeSolid CardVirtual Visa in app after KYC; activation requires at least $10 in Wallet or Savings
- Physical card
- MPChat CardBoundless: 100 USDT one timeSolid CardPhysical card not listed
Plans
2 fields- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardSolid Card3 plans: Core, Prime, Ultra
- Top cashback plan
- MPChat CardNot disclosedSolid CardUltra: 5%
Everyday use
8 fields- Network
- MPChat CardVisaSolid CardVisa
- Card formats
- MPChat CardVirtual, PhysicalSolid CardVirtual
- ATM withdrawals
- MPChat CardAvailableSolid CardNot available
- Mobile wallets
- MPChat CardGoogle PaySolid CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedSolid CardiOS, Android, Web
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerSolid CardShown in app
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerSolid CardShown in app
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlySolid CardNot disclosed
Funding & transfers
5 fields- Networks
- MPChat CardTron (TRC20)Solid CardFuse, Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum
- Crypto deposits
- MPChat CardStablecoins: USDTSolid CardStablecoins: soUSD, USDC, USDT, FUSE; Other crypto: soETH, VOLT, WBTC, WETH, WFUSE
- Fiat deposits
- MPChat CardNot disclosedSolid CardUSD virtual account, TransFi ARS funding, TransFi COP funding, TransFi BDT funding +13
- Transfers
- MPChat CardStablecoin transfersSolid CardStablecoin transfers
- Payout currencies
- MPChat CardNot disclosedSolid CardNot disclosed
Rewards
3 fields- Base cashback
- MPChat CardNot disclosedSolid Card3%
- Max cashback
- MPChat CardNot disclosedSolid Card5%
- Reward currency
- MPChat CardNot disclosedSolid CardUSDC cashback
Earn
5 fields- Advertised APY
- MPChat CardNot offeredSolid CardUp to 14% APY
- How it works
- MPChat CardNot offeredSolid CardBorrow against collateral, Optional earn vault
- Separate deposit
- MPChat CardNot offeredSolid CardYes
- Use balance for spending
- MPChat CardNot offeredSolid CardNo
- Lock-up
- MPChat CardNot offeredSolid CardNot disclosed
Trust & availability
5 fields- Custody
- MPChat CardCustodialSolid CardSelf-custody
- Control until payment
- MPChat CardProvider controls fundsSolid CardYou keep control
- Card issuer
- MPChat CardNot disclosedSolid CardRain, Third National, Wirex
- Card processing
- MPChat CardNot disclosedSolid CardFuse Network Ltd
- Programme operator
- MPChat CardNot disclosedSolid CardFuse Network Ltd
Sources
2 fields- Official sources
- MPChat Card30Solid Card20
- Last reviewed
- MPChat CardSep 23, 2026Solid CardSep 9, 2026
04 · The verdict
Solid Card is the stronger all-round choice
Solid Card finishes ahead with an Overall Score of 89 versus 52 for MPChat Card. MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 0–1%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
MPChat Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. 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.
Solid Card lists more stablecoins and ways to send money out (5 vs 2). 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 MPChat Card and Solid Card reviews first.
Continue with
MPChat Card
Continue with
Solid Card
05 · Common questions
MPChat vs Solid FAQ
Is MPChat or Solid better overall?
Solid Card has the higher Overall Score (89 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; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 0–1%). 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 September 23, 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.