SolayerSolayer Pay
55
Side-by-side card comparison
Solayer Pay vs Pionex: overall score versus use-case fit
Pionex Card has the higher Overall Score by 2 points (57 vs 55). Solayer Pay Card looks stronger for Travel and Funds control, while Pionex Card comes out ahead for Cashback, Lowest fees, and Transfers.
Information checked Aug 14, 202684 official sources reviewed
01 · Overall score versus use-case fit
Pionex Card is the better all-round starting point
Pionex Card has the higher Overall Score in this comparison. Solayer Pay Card may be the better fit for Travel and Funds control. 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 Pay55Pionex57Higher score
CashbackSolayer Pay20Pionex52Higher score
TravelSolayer Pay53Pionex29Higher score
Funds controlSolayer Pay47Pionex43Higher score
Lowest feesSolayer Pay43Pionex58Higher score
TransfersSolayer Pay29Pionex79Higher score
Choose Solayer Pay Card if travel and funds control matter most
Solayer Pay Card comes out ahead for Travel and Funds control 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
Choose Pionex Card if cashback and lowest fees matter most
Pionex Card comes out ahead for Cashback, 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.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
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
- Solayer Pay55Pionex57
Pionex Card has the higher Overall Score by 2 points.
- Entry cost & FX
- Solayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FXPionex$0 plan · Not disclosed FX
Pionex Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Solayer Pay0% basePionex0.1% base · up to 1%
Pionex Card has the higher published base cashback rate (0.1% vs 0%).
- Funds control
- Solayer PayCustodial balancePionexCustodial balance
Solayer Pay Card and Pionex Card use the same custodial balance setup.
- Everyday access
- Solayer PayVirtual + Physical · Apple Pay, Google PayPionexVirtual · Apple Pay, Google Pay
Solayer Pay Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Solayer Pay1 stablecoin · Not modeledPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
Pionex Card lists more stablecoins and ways to send money out (4 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
- 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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
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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
CardsSolayer Pay CardOverall55Pionex CardOverall57
Solayer Pay CardOverall55Pionex CardOverall57Scores
6 fields- Overall Score
- Solayer Pay Card55Pionex Card57
- Cashback score
- Solayer Pay Card20Pionex Card52
- Travel score
- Solayer Pay Card53Pionex Card29
- Funds control score
- Solayer Pay Card47Pionex Card43
- Lowest fees score
- Solayer Pay Card43Pionex Card58
- Transfers score
- Solayer Pay Card29Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- Solayer Pay CardVirtual and physical Visa cards, Spend USDC from SolanaPionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- Solayer Pay CardPurchases earn Emerald Points, FX costs vary by regionPionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- Solayer Pay Card$20/yearPionex Card$0
- FX fee
- Solayer Pay CardUp to 3% stated + $0.10; components may stackPionex CardNot disclosed
- Top-up fee
- Solayer Pay Card1%Pionex CardNot disclosed
- Card spending fee
- Solayer Pay Card$0.15Pionex Card3.5%
- ATM fee
- Solayer Pay CardNot disclosedPionex CardNot available
- Virtual card
- Solayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base planPionex CardAvailable
- Physical card
- Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99Pionex CardNot available
Plans
2 fields- Available plans
- Solayer Pay Card1 plans: Solayer PayPionex Card2 plans: Mastercard, Visa
- Top cashback plan
- Solayer Pay CardNot disclosedPionex CardVisa: 1%
Everyday use
8 fields- Network
- Solayer Pay CardVisaPionex CardVisa/Mastercard
- Card formats
- Solayer Pay CardVirtual, PhysicalPionex CardVirtual
- ATM withdrawals
- Solayer Pay CardAvailablePionex CardNot available
- Mobile wallets
- Solayer Pay CardApple Pay, Google PayPionex CardApple Pay, Google Pay
- Apps
- Solayer Pay CardiOS, AndroidPionex CardNot disclosed
- Daily spending limit
- Solayer Pay CardShown in appPionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- Solayer Pay CardShown in appPionex Card$50,000-$100,000/month depending on network
- ATM limit
- Solayer Pay CardLimits shown in appPionex CardNot available
Funding & transfers
5 fields- Networks
- Solayer Pay CardSolanaPionex CardNot disclosed
- Crypto deposits
- Solayer Pay CardStablecoins: USDCPionex CardOther crypto: Supported crypto
- Fiat deposits
- Solayer Pay CardNot disclosedPionex CardNot disclosed
- Transfers
- Solayer Pay CardNot disclosedPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- Solayer Pay CardNot disclosedPionex CardNot disclosed
Rewards
3 fields- Base cashback
- Solayer Pay Card0%Pionex Card0.1%
- Max cashback
- Solayer Pay CardNot disclosedPionex Card1%
- Reward currency
- Solayer Pay CardEmerald PointsPionex CardUSDT
Earn
5 fields- Advertised APY
- Solayer Pay CardUp to 3.5% APYPionex CardUp to 5% APY
- How it works
- Solayer Pay CardEarn on spending balancePionex CardEarn on spending balance
- Separate deposit
- Solayer Pay CardNoPionex CardNo
- Use balance for spending
- Solayer Pay CardYesPionex CardYes
- Lock-up
- Solayer Pay CardNoPionex CardNo
Trust & availability
5 fields- Custody
- Solayer Pay CardCustodialPionex CardCustodial
- Control until payment
- Solayer Pay CardProvider controls fundsPionex CardProvider controls funds
- Card issuer
- Solayer Pay CardThird NationalPionex CardNot disclosed
- Identity verification
- Solayer Pay CardSumsubPionex CardNot disclosed
- Programme operator
- Solayer Pay CardSolayer Labs, Inc.Pionex CardNot disclosed
Sources
2 fields- Official sources
- Solayer Pay Card25Pionex Card59
- Last reviewed
- Solayer Pay CardAug 12, 2026Pionex CardAug 14, 2026
04 · The trade-off
Pionex Card is the stronger all-round choice
Pionex Card finishes ahead with an Overall Score of 57 versus 55 for Solayer Pay Card. Pionex Card has the lower starting plan cost ($0 vs $20/year). Pionex Card has the higher published base cashback rate (0.1% vs 0%).
Solayer Pay Card still comes out ahead for Travel and Funds control, which may matter more than the overall result if that is how you plan to use the card. Solayer Pay Card and Pionex Card use the same custodial balance setup.
Pionex Card lists more stablecoins and ways to send money out (4 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 Pionex Card reviews first.
Continue with
Solayer Pay Card
Continue with
Pionex Card
05 · Common questions
Solayer Pay vs Pionex FAQ
Is Solayer Pay or Pionex better overall?
Pionex Card has the higher Overall Score (57 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 Pionex?
Pionex 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 Pionex?
Pionex Card has the higher published base cashback rate (0.1% 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 Pionex differ on custody?
Solayer Pay Card and Pionex Card use the same custodial balance setup.
How current is this Solayer Pay vs Pionex comparison?
The latest information check for these two cards was August 14, 2026, using 84 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.