SolayerSolayer Pay
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Side-by-side card comparison
Solayer Pay vs WhiteBIT Nova USD: overall score versus use-case fit
WhiteBIT Nova USD has the higher Overall Score by 4 points (59 vs 55). Solayer Pay Card looks stronger for Travel, while WhiteBIT Nova USD comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Information checked Oct 16, 202642 official sources reviewed
01 · Overall score versus use-case fit
WhiteBIT Nova USD is the better all-round starting point
WhiteBIT Nova USD 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.
OverallSolayer Pay55WhiteBIT Nova USD59Higher score
CashbackSolayer Pay21WhiteBIT Nova USD25Higher score
TravelSolayer Pay53WhiteBIT Nova USD36Higher score
Funds controlSolayer Pay47WhiteBIT Nova USD49Higher score
Lowest feesSolayer Pay43WhiteBIT Nova USD60Higher score
TransfersSolayer Pay29WhiteBIT Nova USD86Higher score
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
Choose WhiteBIT Nova USD if cashback and funds control matter most
WhiteBIT Nova USD 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.
- Apple Pay and Google Pay
- Spend selected exchange assets
- No monthly maintenance fee
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 Pay55WhiteBIT Nova USD59
WhiteBIT Nova USD has the higher Overall Score by 4 points.
- Entry cost & FX
- Solayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FXWhiteBIT Nova USDNot disclosed plan · 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Solayer Pay0% baseWhiteBIT Nova USD0% base · up to 10%
Both cards show the same base cashback rate of 0%.
- Funds control
- Solayer PayCustodial balanceWhiteBIT Nova USDCustodial balance
Solayer Pay Card and WhiteBIT Nova USD use the same custodial balance setup.
- Everyday access
- Solayer PayVirtual + Physical · Apple Pay, Google PayWhiteBIT Nova USDVirtual · Apple Pay, Google Pay
Solayer Pay Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Solayer Pay1 stablecoin · Not modeledWhiteBIT Nova USD2 stablecoins · Stablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
WhiteBIT Nova USD 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%-10%
- Plan cost
- Not disclosed
- FX fee
- 1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 1 fiat
- Payout methods
- 2 crypto · 1 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
CardsSolayer Pay CardOverall55WhiteBIT Nova USDOverall59
Solayer Pay CardOverall55WhiteBIT Nova USDOverall59Scores
6 fields- Overall Score
- Solayer Pay Card55WhiteBIT Nova USD59
- Cashback score
- Solayer Pay Card21WhiteBIT Nova USD25
- Travel score
- Solayer Pay Card53WhiteBIT Nova USD36
- Funds control score
- Solayer Pay Card47WhiteBIT Nova USD49
- Lowest fees score
- Solayer Pay Card43WhiteBIT Nova USD60
- Transfers score
- Solayer Pay Card29WhiteBIT Nova USD86
Strengths & trade-offs
2 fields- Strengths
- Solayer Pay CardVirtual and physical Visa cards, Spend USDC from SolanaWhiteBIT Nova USDApple Pay and Google Pay, Spend selected exchange assets
- Trade-offs
- Solayer Pay CardPurchases earn Emerald Points, FX costs vary by regionWhiteBIT Nova USDA fee on every purchase, Category cashback stops at $25
Costs
7 fields- Plan cost
- Solayer Pay Card$20/yearWhiteBIT Nova USDNot disclosed
- FX fee
- Solayer Pay CardUp to 3% stated + $0.10; components may stackWhiteBIT Nova USD1.5% for non-USD payments under the owner-approved interpretation of the conversion tariff; source wording is incomplete
- Top-up fee
- Solayer Pay Card1%WhiteBIT Nova USD0%
- Card spending fee
- Solayer Pay Card$0.15WhiteBIT Nova USD$0.20 + 1.5%
- ATM fee
- Solayer Pay CardNot disclosedWhiteBIT Nova USDNot available
- Virtual card
- Solayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base planWhiteBIT Nova USD$0 issuance
- Physical card
- Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99WhiteBIT Nova USDUnavailable for the current USD product
Plans
2 fields- Available plans
- Solayer Pay Card1 plans: Solayer PayWhiteBIT Nova USDNot disclosed
- Top cashback plan
- Solayer Pay CardNot disclosedWhiteBIT Nova USDNot disclosed
Everyday use
8 fields- Network
- Solayer Pay CardVisaWhiteBIT Nova USDVisa
- Card formats
- Solayer Pay CardVirtual, PhysicalWhiteBIT Nova USDVirtual
- ATM withdrawals
- Solayer Pay CardAvailableWhiteBIT Nova USDNot available
- Mobile wallets
- Solayer Pay CardApple Pay, Google PayWhiteBIT Nova USDApple Pay, Google Pay
- Apps
- Solayer Pay CardiOS, AndroidWhiteBIT Nova USDWeb
- Daily spending limit
- Solayer Pay CardShown in appWhiteBIT Nova USDUSD 40,000 daily
- Monthly spending limit
- Solayer Pay CardShown in appWhiteBIT Nova USDUSD 200,000 monthly
- ATM limit
- Solayer Pay CardLimits shown in appWhiteBIT Nova USDATM withdrawals unavailable; future published limits are not current access.
Funding & transfers
5 fields- Networks
- Solayer Pay CardSolanaWhiteBIT Nova USDArbitrum, Avalanche C-Chain, Base, BNB Smart Chain, Polkadot Asset Hub, Ethereum +9
- Crypto deposits
- Solayer Pay CardStablecoins: USDCWhiteBIT Nova USDStablecoins: USDC, USDT
- Fiat deposits
- Solayer Pay CardNot disclosedWhiteBIT Nova USDSEPA FINCI to WhiteBIT account
- Transfers
- Solayer Pay CardNot disclosedWhiteBIT Nova USDStablecoin transfers; SEPA FINCI withdrawal from WhiteBIT account
- Payout currencies
- Solayer Pay CardNot disclosedWhiteBIT Nova USDEUR
Rewards
3 fields- Base cashback
- Solayer Pay Card0%WhiteBIT Nova USD0%
- Max cashback
- Solayer Pay CardNot disclosedWhiteBIT Nova USD10%
- Reward currency
- Solayer Pay CardEmerald PointsWhiteBIT Nova USDNot disclosed
Earn
5 fields- Advertised APY
- Solayer Pay CardUp to 3.5% APYWhiteBIT Nova USDNot offered
- How it works
- Solayer Pay CardEarn on spending balanceWhiteBIT Nova USDNot offered
- Separate deposit
- Solayer Pay CardNoWhiteBIT Nova USDNot offered
- Use balance for spending
- Solayer Pay CardYesWhiteBIT Nova USDNot offered
- Lock-up
- Solayer Pay CardNoWhiteBIT Nova USDNot offered
Trust & availability
5 fields- Custody
- Solayer Pay CardCustodialWhiteBIT Nova USDCustodial
- Control until payment
- Solayer Pay CardProvider controls fundsWhiteBIT Nova USDProvider controls funds
- Card issuer
- Solayer Pay CardThird NationalWhiteBIT Nova USDJSC Hash Bank
- Identity verification
- Solayer Pay CardSumsubWhiteBIT Nova USDNot disclosed
- Programme operator
- Solayer Pay CardSolayer Labs, Inc.WhiteBIT Nova USDNot disclosed
Sources
2 fields- Official sources
- Solayer Pay Card25WhiteBIT Nova USD17
- Last reviewed
- Solayer Pay CardAug 12, 2026WhiteBIT Nova USDOct 16, 2026
04 · The trade-off
WhiteBIT Nova USD is the stronger all-round choice
WhiteBIT Nova USD finishes ahead with an Overall Score of 59 versus 55 for Solayer Pay Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 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. Solayer Pay Card and WhiteBIT Nova USD use the same custodial balance setup.
WhiteBIT Nova USD 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 WhiteBIT Nova USD reviews first.
Continue with
Solayer Pay Card
Continue with
WhiteBIT Nova USD
05 · Common questions
Solayer Pay vs WhiteBIT Nova USD FAQ
Is Solayer Pay or WhiteBIT Nova USD better overall?
WhiteBIT Nova USD has the higher Overall Score (59 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 WhiteBIT Nova USD?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 WhiteBIT Nova USD?
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 WhiteBIT Nova USD differ on custody?
Solayer Pay Card and WhiteBIT Nova USD use the same custodial balance setup.
How current is this Solayer Pay vs WhiteBIT Nova USD comparison?
The latest information check for these two cards was October 16, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.