OobitOobit
72
Side-by-side card comparison
Oobit vs Solayer Pay: overall score versus use-case fit
Oobit Card has the higher Overall Score by 17 points (72 vs 55). Oobit Card looks stronger for Cashback, Funds control, Lowest fees, and Transfers, while Solayer Pay Card comes out ahead for Travel.
Information checked Aug 12, 202641 official sources reviewed
01 · Overall score versus use-case fit
Oobit Card is the better all-round starting point
Oobit Card has the higher Overall Score in this comparison. Solayer Pay Card may be the better fit for Travel. 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.
OverallOobit72Solayer Pay55Higher score
CashbackOobit68Solayer Pay20Higher score
TravelOobit45Solayer Pay53Higher score
Funds controlOobit77Solayer Pay47Higher score
Lowest feesOobit51Solayer Pay43Higher score
TransfersOobit64Solayer Pay29Higher score
Choose Oobit Card if cashback and funds control matter most
Oobit Card comes out ahead for Cashback, 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.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
Choose Solayer Pay Card if travel matters most
Solayer Pay Card comes out ahead for Travel 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
- Oobit72Solayer Pay55
Oobit Card has the higher Overall Score by 17 points.
- Entry cost & FX
- Oobit$0 plan · 3% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Oobit Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Oobit5% base · up to 10%Solayer Pay0% base
Oobit Card has the higher published base cashback rate (5% vs 0%).
- Funds control
- OobitHybrid custodySolayer PayCustodial balance
Oobit Card uses a hybrid custody 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
- OobitVirtual · 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
- Oobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payoutSolayer Pay1 stablecoin · Not modeled
Oobit Card lists more stablecoins and ways to send money out (6 vs 1).
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
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 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
CardsOobit CardOverall72Solayer Pay CardOverall55
Oobit CardOverall72Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Oobit Card72Solayer Pay Card55
- Cashback score
- Oobit Card68Solayer Pay Card20
- Travel score
- Oobit Card45Solayer Pay Card53
- Funds control score
- Oobit Card77Solayer Pay Card47
- Lowest fees score
- Oobit Card51Solayer Pay Card43
- Transfers score
- Oobit Card64Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Oobit CardConnected-wallet spending, Phone wallets and contactless ATMSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Oobit CardEvery payment carries a provider fee, Physical card is unclearSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Oobit Card$0Solayer Pay Card$20/year
- FX fee
- Oobit Card3%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeSolayer Pay Card1%
- Card spending fee
- Oobit Card$0.25 + 1%Solayer Pay Card$0.15
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargeSolayer Pay CardNot disclosed
- Virtual card
- Oobit CardFreeSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Oobit CardNot disclosedSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Oobit CardNot disclosedSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Oobit CardNot disclosedSolayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Oobit CardVisaSolayer Pay CardVisa
- Card formats
- Oobit CardVirtualSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Oobit CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- Oobit CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Oobit CardiOS, AndroidSolayer Pay CardiOS, Android
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerSolayer Pay CardShown in app
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedSolayer Pay CardShown in app
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumSolayer Pay CardSolana
- Crypto deposits
- Oobit CardNot disclosedSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Oobit CardNot disclosedSolayer Pay CardNot disclosed
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutSolayer Pay CardNot disclosed
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4Solayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Oobit Card5%Solayer Pay Card0%
- Max cashback
- Oobit Card10%Solayer Pay CardNot disclosed
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Oobit CardNot offeredSolayer Pay CardUp to 3.5% APY
- How it works
- Oobit CardNot offeredSolayer Pay CardEarn on spending balance
- Separate deposit
- Oobit CardNot offeredSolayer Pay CardNo
- Use balance for spending
- Oobit CardNot offeredSolayer Pay CardYes
- Lock-up
- Oobit CardNot offeredSolayer Pay CardNo
Trust & availability
5 fields- Custody
- Oobit CardHybrid custodySolayer Pay CardCustodial
- Control until payment
- Oobit CardYou keep controlSolayer Pay CardProvider controls funds
- Card issuer
- Oobit CardThirdNationalSolayer Pay CardThird National
- Identity verification
- Oobit CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- Oobit CardNot disclosedSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Oobit Card16Solayer Pay Card25
- Last reviewed
- Oobit CardAug 12, 2026Solayer Pay CardAug 12, 2026
04 · The trade-off
Oobit Card is the stronger all-round choice
Oobit Card finishes ahead with an Overall Score of 72 versus 55 for Solayer Pay Card. Oobit Card has the lower starting plan cost ($0 vs $20/year). Oobit Card has the higher published base cashback rate (5% vs 0%).
Solayer Pay Card still comes out ahead for Travel, which may matter more than the overall result if that is how you plan to use the card. Oobit Card uses a hybrid custody 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.
Oobit Card lists more stablecoins and ways to send money out (6 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 Oobit Card and Solayer Pay Card reviews first.
Continue with
Oobit Card
Continue with
Solayer Pay Card
05 · Common questions
Oobit vs Solayer Pay FAQ
Is Oobit or Solayer Pay better overall?
Oobit Card has the higher Overall Score (72 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, Oobit or Solayer Pay?
Oobit 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, Oobit or Solayer Pay?
Oobit Card has the higher published base cashback rate (5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Oobit and Solayer Pay differ on custody?
Oobit Card uses a hybrid custody 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 Oobit vs Solayer Pay comparison?
The latest information check for these two cards was August 12, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.