SolayerSolayer Pay
55
Side-by-side card comparison
Solayer Pay vs Avici: fees, rewards and account setup
Avici Card has the higher Overall Score by 16 points (71 vs 55). Avici 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 21, 202641 official sources reviewed
01 · Make the first cut
Avici Card is the better all-round starting point
Avici 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.
OverallSolayer Pay55Avici71Higher score
CashbackSolayer Pay20Avici21Higher score
TravelSolayer Pay53Avici82Higher score
Funds controlSolayer Pay47Avici95Higher score
Lowest feesSolayer Pay43Avici73Higher score
TransfersSolayer Pay29Avici67Higher score
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
Choose Avici Card if cashback and travel matter most
Avici 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.
- User-owned USDC collateral
- Physical, virtual and phone-wallet use
- Low provider fees
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
- Solayer Pay55Avici71
Avici Card has the higher Overall Score by 16 points.
- Entry cost & FX
- Solayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FXAvici$0 plan · 0–1% FX
Avici Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Solayer Pay0% baseAvici0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Solayer PayCustodial balanceAviciSelf-controlled wallet
Solayer Pay Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Solayer PayVirtual + Physical · Apple Pay, Google PayAviciVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Solayer Pay1 stablecoin · Not modeledAvici1 stablecoin · Stablecoin transfers
Avici Card lists more stablecoins and ways to send money out (2 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
- 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
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–0.65%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 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
CardsSolayer Pay CardOverall55Avici CardOverall71
Solayer Pay CardOverall55Avici CardOverall71Scores
6 fields- Overall Score
- Solayer Pay Card55Avici Card71
- Cashback score
- Solayer Pay Card20Avici Card21
- Travel score
- Solayer Pay Card53Avici Card82
- Funds control score
- Solayer Pay Card47Avici Card95
- Lowest fees score
- Solayer Pay Card43Avici Card73
- Transfers score
- Solayer Pay Card29Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Solayer Pay CardVirtual and physical Visa cards, Spend USDC from SolanaAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Solayer Pay CardPurchases earn Emerald Points, FX costs vary by regionAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Solayer Pay Card$20/yearAvici Card$0
- FX fee
- Solayer Pay CardUp to 3% stated + $0.10; components may stackAvici Card0–1%
- Top-up fee
- Solayer Pay Card1%Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Solayer Pay Card$0.15Avici Card0%
- ATM fee
- Solayer Pay CardNot disclosedAvici Card0–0.65%
- Virtual card
- Solayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base planAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99Avici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Solayer Pay Card1 plans: Solayer PayAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Solayer Pay CardNot disclosedAvici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Solayer Pay CardVisaAvici CardVisa
- Card formats
- Solayer Pay CardVirtual, PhysicalAvici CardVirtual, Physical
- ATM withdrawals
- Solayer Pay CardAvailableAvici CardAvailable
- Mobile wallets
- Solayer Pay CardApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Solayer Pay CardiOS, AndroidAvici CardiOS, Android
- Daily spending limit
- Solayer Pay CardShown in appAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Solayer Pay CardShown in appAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Solayer Pay CardLimits shown in appAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Solayer Pay CardSolanaAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Solayer Pay CardStablecoins: USDCAvici CardStablecoins: USDC
- Fiat deposits
- Solayer Pay CardNot disclosedAvici CardNot disclosed
- Transfers
- Solayer Pay CardNot disclosedAvici CardStablecoin transfers
- Payout currencies
- Solayer Pay CardNot disclosedAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Solayer Pay Card0%Avici Card0%
- Max cashback
- Solayer Pay CardNot disclosedAvici Card0%
- Reward currency
- Solayer Pay CardEmerald PointsAvici CardNo cashback
Earn
5 fields- Advertised APY
- Solayer Pay CardUp to 3.5% APYAvici CardNot offered
- How it works
- Solayer Pay CardEarn on spending balanceAvici CardNot offered
- Separate deposit
- Solayer Pay CardNoAvici CardNot offered
- Use balance for spending
- Solayer Pay CardYesAvici CardNot offered
- Lock-up
- Solayer Pay CardNoAvici CardNot offered
Trust & availability
6 fields- Custody
- Solayer Pay CardCustodialAvici CardSelf-custody
- Control until payment
- Solayer Pay CardProvider controls fundsAvici CardYou keep control
- Card issuer
- Solayer Pay CardThird NationalAvici CardThird National
- Card processing
- Solayer Pay CardNot disclosedAvici CardRelay
- Identity verification
- Solayer Pay CardSumsubAvici CardSumsub
- Programme operator
- Solayer Pay CardSolayer Labs, Inc.Avici CardNot disclosed
Sources
2 fields- Official sources
- Solayer Pay Card25Avici Card16
- Last reviewed
- Solayer Pay CardAug 12, 2026Avici CardAug 21, 2026
04 · The takeaway
Avici Card is the stronger all-round choice
Avici Card finishes ahead with an Overall Score of 71 versus 55 for Solayer Pay Card. Avici Card has the lower starting plan cost ($0 vs $20/year). Both cards show the same base cashback rate of 0%.
Solayer Pay Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Solayer Pay Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Avici Card lists more stablecoins and ways to send money out (2 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 Solayer Pay Card and Avici Card reviews first.
Continue with
Solayer Pay Card
Continue with
Avici Card
05 · Common questions
Solayer Pay vs Avici FAQ
Is Solayer Pay or Avici better overall?
Avici Card has the higher Overall Score (71 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, Solayer Pay or Avici?
Avici 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, Solayer Pay or Avici?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Solayer Pay and Avici differ on custody?
Solayer Pay Card uses a custodial balance setup, while Avici 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 Solayer Pay vs Avici comparison?
The latest information check for these two cards was August 21, 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.