PlasmaPlasma One
87
Side-by-side card comparison
Plasma One vs Solayer Pay: fees, rewards and account setup
Plasma One Card has the higher Overall Score by 32 points (87 vs 55). Plasma One 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 27, 202637 official sources reviewed
01 · Make the first cut
Plasma One Card is the better all-round starting point
Plasma One 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.
OverallPlasma One87Solayer Pay55Higher score
CashbackPlasma One78Solayer Pay20Higher score
TravelPlasma One72Solayer Pay53Higher score
Funds controlPlasma One99Solayer Pay47Higher score
Lowest feesPlasma One80Solayer Pay43Higher score
TransfersPlasma One100Solayer Pay29Higher score
Choose Plasma One Card if cashback and travel matter most
Plasma One 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.
- Lite starts with 2% XPL cashback
- Higher tiers add bigger caps and perks
- Earn is separate from card cashback
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
- Plasma One87Solayer Pay55
Plasma One Card has the higher Overall Score by 32 points.
- Entry cost & FX
- Plasma One$0 plan · 0–1% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Plasma One Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Plasma One2% base · up to 10%Solayer Pay0% base
Plasma One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- Plasma OneSelf-controlled walletSolayer PayCustodial balance
Plasma One Card uses a self-controlled wallet 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
- Plasma OneVirtual + 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
- Plasma One3 stablecoins · Stablecoin transfers; Plasma One usernames; Virtual account withdrawalsSolayer Pay1 stablecoin · Not modeled
Plasma One Card lists more stablecoins and ways to send money out (6 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
- 2%-10%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 6 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
CardsPlasma One CardOverall87Solayer Pay CardOverall55
Plasma One CardOverall87Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Plasma One Card87Solayer Pay Card55
- Cashback score
- Plasma One Card78Solayer Pay Card20
- Travel score
- Plasma One Card72Solayer Pay Card53
- Funds control score
- Plasma One Card99Solayer Pay Card47
- Lowest fees score
- Plasma One Card80Solayer Pay Card43
- Transfers score
- Plasma One Card100Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Plasma One CardLite starts with 2% XPL cashback, Higher tiers add bigger caps and perksSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Plasma One CardPhysical access is limited; no ATM, Cashback is capped by tierSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Plasma One Card$0Solayer Pay Card$20/year
- FX fee
- Plasma One Card0–1%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Plasma One Card0%Solayer Pay Card1%
- Card spending fee
- Plasma One CardNot disclosedSolayer Pay Card$0.15
- ATM fee
- Plasma One CardNot availableSolayer Pay CardNot disclosed
- Virtual card
- Plasma One CardUp to 3 free virtual cards by tierSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Plasma One CardFirst physical card free in the currently confirmed Core and Platinum flows. Core standard delivery is $20 and express is $50; Platinum standard delivery is free and express is $30. Additional or replacement cards cost $40 for Core and $120 for Platinum.Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Plasma One Card3 plans: Lite, Core, PlatinumSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Plasma One CardPlatinum: 4%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Plasma One CardVisaSolayer Pay CardVisa
- Card formats
- Plasma One CardVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Plasma One CardNot availableSolayer Pay CardAvailable
- Mobile wallets
- Plasma One CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Plasma One CardiOS, AndroidSolayer Pay CardiOS, Android
- Daily spending limit
- Plasma One CardShown in appSolayer Pay CardShown in app
- Monthly spending limit
- Plasma One CardShown in appSolayer Pay CardShown in app
- ATM limit
- Plasma One CardNot available, including for physical cardsSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Plasma One CardPlasma, Ethereum, Solana, Tron, Polygon, Arbitrum +5Solayer Pay CardSolana
- Crypto deposits
- Plasma One CardStablecoins: USDT, USDC, USDGSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Plasma One CardUSD virtual account, EUR / GBP virtual accounts, MXN / BRL local transfers, COP virtual accountSolayer Pay CardNot disclosed
- Transfers
- Plasma One CardStablecoin transfers; Plasma One usernames; Virtual account withdrawalsSolayer Pay CardNot disclosed
- Payout currencies
- Plasma One CardUSD, EUR, GBP, MXN, BRL, COPSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Plasma One Card2%Solayer Pay Card0%
- Max cashback
- Plasma One Card10%Solayer Pay CardNot disclosed
- Reward currency
- Plasma One CardUSD cashback paid in XPLSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Plasma One CardUp to 5% APYSolayer Pay CardUp to 3.5% APY
- How it works
- Plasma One CardOptional earn vaultSolayer Pay CardEarn on spending balance
- Separate deposit
- Plasma One CardYesSolayer Pay CardNo
- Use balance for spending
- Plasma One CardNoSolayer Pay CardYes
- Lock-up
- Plasma One CardNoSolayer Pay CardNo
Trust & availability
8 fields- Custody
- Plasma One CardSelf-custodySolayer Pay CardCustodial
- Control until payment
- Plasma One CardYou keep controlSolayer Pay CardProvider controls funds
- Card issuer
- Plasma One CardRain, Third NationalSolayer Pay CardThird National
- Card processing
- Plasma One Card0xSolayer Pay CardNot disclosed
- Custody / key management
- Plasma One CardPrivy, VedaSolayer Pay CardNot disclosed
- Deposits & withdrawals
- Plasma One CardBridge, Bridge Ventures LLCSolayer Pay CardNot disclosed
- Identity verification
- Plasma One CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- Plasma One CardPlasmaSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Plasma One Card12Solayer Pay Card25
- Last reviewed
- Plasma One CardAug 27, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
Plasma One Card is the stronger all-round choice
Plasma One Card finishes ahead with an Overall Score of 87 versus 55 for Solayer Pay Card. Plasma One Card has the lower starting plan cost ($0 vs $20/year). Plasma One Card has the higher published base cashback rate (2% 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. Plasma One Card uses a self-controlled wallet 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.
Plasma One 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 Plasma One Card and Solayer Pay Card reviews first.
Continue with
Plasma One Card
Continue with
Solayer Pay Card
05 · Common questions
Plasma One vs Solayer Pay FAQ
Is Plasma One or Solayer Pay better overall?
Plasma One 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, Plasma One or Solayer Pay?
Plasma One 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, Plasma One or Solayer Pay?
Plasma One Card has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Plasma One and Solayer Pay differ on custody?
Plasma One Card uses a self-controlled wallet 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 Plasma One vs Solayer Pay comparison?
The latest information check for these two cards was August 27, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.