SolayerSolayer Pay
55
Side-by-side card comparison
Solayer Pay vs Brighty: fees, rewards and account setup
Brighty Card has the higher Overall Score by 15 points (70 vs 55). Brighty 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 16, 202650 official sources reviewed
01 · Make the first cut
Brighty Card is the better all-round starting point
Brighty 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 Pay55Brighty70Higher score
CashbackSolayer Pay20Brighty48Higher score
TravelSolayer Pay53Brighty80Higher score
Funds controlSolayer Pay47Brighty65Higher score
Lowest feesSolayer Pay43Brighty68Higher score
TransfersSolayer Pay29Brighty93Higher 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 Brighty Card if cashback and travel matter most
Brighty 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.
- Free entry plan
- USDC cashback
- Multiple account rails
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 Pay55Brighty70
Brighty Card has the higher Overall Score by 15 points.
- Entry cost & FX
- Solayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Brighty Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Solayer Pay0% baseBrighty0.5% base · up to 1.75%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Solayer PayCustodial balanceBrightyCustodial balance
Solayer Pay Card and Brighty Card use the same custodial balance setup.
- Everyday access
- Solayer PayVirtual + Physical · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Solayer Pay Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Solayer Pay1 stablecoin · Not modeledBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Brighty Card lists more stablecoins and ways to send money out (5 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
- 0.5%-1.8%
- Plan cost
- $0
- FX fee
- Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 16 crypto · 4 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 CardOverall55Brighty CardOverall70
Solayer Pay CardOverall55Brighty CardOverall70Scores
6 fields- Overall Score
- Solayer Pay Card55Brighty Card70
- Cashback score
- Solayer Pay Card20Brighty Card48
- Travel score
- Solayer Pay Card53Brighty Card80
- Funds control score
- Solayer Pay Card47Brighty Card65
- Lowest fees score
- Solayer Pay Card43Brighty Card68
- Transfers score
- Solayer Pay Card29Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Solayer Pay CardVirtual and physical Visa cards, Spend USDC from SolanaBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Solayer Pay CardPurchases earn Emerald Points, FX costs vary by regionBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Solayer Pay Card$20/yearBrighty Card$0
- FX fee
- Solayer Pay CardUp to 3% stated + $0.10; components may stackBrighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Solayer Pay Card1%Brighty Card0%
- Card spending fee
- Solayer Pay Card$0.15Brighty CardNot disclosed
- ATM fee
- Solayer Pay CardNot disclosedBrighty CardNot disclosed
- Virtual card
- Solayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base planBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99Brighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Solayer Pay Card1 plans: Solayer PayBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Solayer Pay CardNot disclosedBrighty CardOne: 0.5%
Everyday use
8 fields- Network
- Solayer Pay CardVisaBrighty CardVisa/Mastercard
- Card formats
- Solayer Pay CardVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- Solayer Pay CardAvailableBrighty CardAvailable
- Mobile wallets
- Solayer Pay CardApple Pay, Google PayBrighty CardApple Pay
- Apps
- Solayer Pay CardiOS, AndroidBrighty CardiOS, Android
- Daily spending limit
- Solayer Pay CardShown in appBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Solayer Pay CardShown in appBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Solayer Pay CardLimits shown in appBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Solayer Pay CardSolanaBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Solayer Pay CardStablecoins: USDCBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Solayer Pay CardNot disclosedBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Solayer Pay CardNot disclosedBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Solayer Pay CardNot disclosedBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Solayer Pay Card0%Brighty Card0.5%
- Max cashback
- Solayer Pay CardNot disclosedBrighty Card1.8%
- Reward currency
- Solayer Pay CardEmerald PointsBrighty CardUSDC
Earn
5 fields- Advertised APY
- Solayer Pay CardUp to 3.5% APYBrighty CardNot disclosed
- How it works
- Solayer Pay CardEarn on spending balanceBrighty CardEarn on spending balance
- Separate deposit
- Solayer Pay CardNoBrighty CardNo
- Use balance for spending
- Solayer Pay CardYesBrighty CardYes
- Lock-up
- Solayer Pay CardNoBrighty CardNo
Trust & availability
6 fields- Custody
- Solayer Pay CardCustodialBrighty CardCustodial
- Control until payment
- Solayer Pay CardProvider controls fundsBrighty CardProvider controls funds
- Card issuer
- Solayer Pay CardThird NationalBrighty CardWallester AS
- Custody / key management
- Solayer Pay CardNot disclosedBrighty CardFireblocks
- Identity verification
- Solayer Pay CardSumsubBrighty CardSumsub
- Programme operator
- Solayer Pay CardSolayer Labs, Inc.Brighty CardNot disclosed
Sources
2 fields- Official sources
- Solayer Pay Card25Brighty Card25
- Last reviewed
- Solayer Pay CardAug 12, 2026Brighty CardAug 16, 2026
04 · The takeaway
Brighty Card is the stronger all-round choice
Brighty Card finishes ahead with an Overall Score of 70 versus 55 for Solayer Pay Card. Brighty Card has the lower starting plan cost ($0 vs $20/year). Brighty Card has the higher published base cashback rate (0.5% 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. Solayer Pay Card and Brighty Card use the same custodial balance setup.
Brighty Card lists more stablecoins and ways to send money out (5 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 Brighty Card reviews first.
Continue with
Solayer Pay Card
Continue with
Brighty Card
05 · Common questions
Solayer Pay vs Brighty FAQ
Is Solayer Pay or Brighty better overall?
Brighty Card has the higher Overall Score (70 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 Brighty?
Brighty 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 Brighty?
Brighty Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Solayer Pay and Brighty differ on custody?
Solayer Pay Card and Brighty Card use the same custodial balance setup.
How current is this Solayer Pay vs Brighty comparison?
The latest information check for these two cards was August 16, 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.