SolayerSolayer Pay
55
Side-by-side card comparison
Solayer Pay vs Xapo: fees, rewards and account setup
Xapo Card has the higher Overall Score by 15 points (70 vs 55). Xapo 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 Sep 1, 202646 official sources reviewed
01 · Make the first cut
Xapo Card is the better all-round starting point
Xapo 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 Pay55Xapo70Higher score
CashbackSolayer Pay20Xapo24Higher score
TravelSolayer Pay53Xapo91Higher score
Funds controlSolayer Pay47Xapo63Higher score
Lowest feesSolayer Pay43Xapo77Higher score
TransfersSolayer Pay29Xapo100Higher 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 Xapo Card if cashback and travel matter most
Xapo 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.
- No Xapo FX markup
- Account-backed bank and crypto 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 Pay55Xapo70
Xapo 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 FXXapo$1,000/year plan · 0–0.29% FX
Solayer Pay Card has the lower starting plan cost ($20/year vs $1,000/year).
- Purchase rewards
- Solayer Pay0% baseXapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- Solayer PayCustodial balanceXapoCustodial balance
Solayer Pay Card and Xapo Card use the same custodial balance setup.
- Everyday access
- Solayer PayVirtual + Physical · Apple Pay, Google PayXapoVirtual + Physical · Unknown
Solayer Pay Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Solayer Pay1 stablecoin · Not modeledXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall55Xapo CardOverall70
Solayer Pay CardOverall55Xapo CardOverall70Scores
6 fields- Overall Score
- Solayer Pay Card55Xapo Card70
- Cashback score
- Solayer Pay Card20Xapo Card24
- Travel score
- Solayer Pay Card53Xapo Card91
- Funds control score
- Solayer Pay Card47Xapo Card63
- Lowest fees score
- Solayer Pay Card43Xapo Card77
- Transfers score
- Solayer Pay Card29Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Solayer Pay CardVirtual and physical Visa cards, Spend USDC from SolanaXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Solayer Pay CardPurchases earn Emerald Points, FX costs vary by regionXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Solayer Pay Card$20/yearXapo Card$1,000/year
- FX fee
- Solayer Pay CardUp to 3% stated + $0.10; components may stackXapo Card0–0.29%
- Top-up fee
- Solayer Pay Card1%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Solayer Pay Card$0.15Xapo Card0%
- ATM fee
- Solayer Pay CardNot disclosedXapo Card0–2%
- Virtual card
- Solayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base planXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99Xapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Solayer Pay Card1 plans: Solayer PayXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Solayer Pay CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Solayer Pay CardVisaXapo CardVisa/Mastercard
- Card formats
- Solayer Pay CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- Solayer Pay CardAvailableXapo CardAvailable
- Mobile wallets
- Solayer Pay CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Solayer Pay CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- Solayer Pay CardShown in appXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Solayer Pay CardShown in appXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Solayer Pay CardLimits shown in appXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Solayer Pay CardSolanaXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Solayer Pay CardStablecoins: USDCXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Solayer Pay CardNot disclosedXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Solayer Pay CardNot disclosedXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Solayer Pay CardNot disclosedXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Solayer Pay Card0%Xapo Card0%
- Max cashback
- Solayer Pay CardNot disclosedXapo Card3%
- Reward currency
- Solayer Pay CardEmerald PointsXapo CardBTC
Earn
5 fields- Advertised APY
- Solayer Pay CardUp to 3.5% APYXapo CardUp to 3.35% APY
- How it works
- Solayer Pay CardEarn on spending balanceXapo CardEarn on spending balance
- Separate deposit
- Solayer Pay CardNoXapo CardNo
- Use balance for spending
- Solayer Pay CardYesXapo CardYes
- Lock-up
- Solayer Pay CardNoXapo CardNo
Trust & availability
6 fields- Custody
- Solayer Pay CardCustodialXapo CardCustodial
- Control until payment
- Solayer Pay CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- Solayer Pay CardThird NationalXapo CardTransact Payments Malta Limited
- Bank transfers
- Solayer Pay CardNot disclosedXapo CardXapo Bank Limited
- Identity verification
- Solayer Pay CardSumsubXapo CardNot disclosed
- Programme operator
- Solayer Pay CardSolayer Labs, Inc.Xapo CardNot disclosed
Sources
2 fields- Official sources
- Solayer Pay Card25Xapo Card21
- Last reviewed
- Solayer Pay CardAug 12, 2026Xapo CardSep 1, 2026
04 · The takeaway
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 55 for Solayer Pay Card. Solayer Pay Card has the lower starting plan cost ($20/year vs $1,000/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 and Xapo Card use the same custodial balance setup.
Xapo Card lists more stablecoins and ways to send money out (8 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 Xapo Card reviews first.
Continue with
Solayer Pay Card
Continue with
Xapo Card
05 · Common questions
Solayer Pay vs Xapo FAQ
Is Solayer Pay or Xapo better overall?
Xapo 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 Xapo?
Solayer Pay Card has the lower starting plan cost ($20/year vs $1,000/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 Xapo?
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 Xapo differ on custody?
Solayer Pay Card and Xapo Card use the same custodial balance setup.
How current is this Solayer Pay vs Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.