XPlaceXPlace
68
Side-by-side card comparison
XPlace vs Solayer Pay: fees, rewards and account setup
XPlace Card has the higher Overall Score by 13 points (68 vs 55). XPlace 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 27, 202651 official sources reviewed
01 · Make the first cut
XPlace Card is the better all-round starting point
XPlace 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.
OverallXPlace68Solayer Pay55Higher score
CashbackXPlace49Solayer Pay20Higher score
TravelXPlace61Solayer Pay53Higher score
Funds controlXPlace67Solayer Pay47Higher score
Lowest feesXPlace69Solayer Pay43Higher score
TransfersXPlace62Solayer Pay29Higher score
Choose XPlace Card if cashback and travel matter most
XPlace 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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
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
- XPlace68Solayer Pay55
XPlace Card has the higher Overall Score by 13 points.
- Entry cost & FX
- XPlace$0 plan · 0–1% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
XPlace Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- XPlace0.5% base · up to 4%Solayer Pay0% base
XPlace Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- XPlaceHybrid custodySolayer PayCustodial balance
XPlace Card uses a hybrid custody setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- XPlaceVirtual + Physical · Apple Pay, Google PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- XPlace2 stablecoins · Stablecoin transfersSolayer Pay1 stablecoin · Not modeled
XPlace Card lists more stablecoins and ways to send money out (3 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
- 0.5%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
- 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
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
CardsXPlace CardOverall68Solayer Pay CardOverall55
XPlace CardOverall68Solayer Pay CardOverall55Scores
6 fields- Overall Score
- XPlace Card68Solayer Pay Card55
- Cashback score
- XPlace Card49Solayer Pay Card20
- Travel score
- XPlace Card61Solayer Pay Card53
- Funds control score
- XPlace Card67Solayer Pay Card47
- Lowest fees score
- XPlace Card69Solayer Pay Card43
- Transfers score
- XPlace Card62Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- XPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published capsSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- XPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layersSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- XPlace Card$0Solayer Pay Card$20/year
- FX fee
- XPlace Card0–1%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesSolayer Pay Card1%
- Card spending fee
- XPlace Card0%Solayer Pay Card$0.15
- ATM fee
- XPlace CardNot availableSolayer Pay CardNot disclosed
- Virtual card
- XPlace CardNot disclosedSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- XPlace Card4 plans: Basic, Silver, Gold, PlatinumSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- XPlace CardPlatinum: 2%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- XPlace CardVisaSolayer Pay CardVisa
- Card formats
- XPlace CardVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- XPlace CardNot availableSolayer Pay CardAvailable
- Mobile wallets
- XPlace CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- XPlace CardiOS, AndroidSolayer Pay CardiOS, Android
- Daily spending limit
- XPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controlsSolayer Pay CardShown in app
- Monthly spending limit
- XPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per monthSolayer Pay CardShown in app
- ATM limit
- XPlace CardNot available while only the virtual card is liveSolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- XPlace CardSolanaSolayer Pay CardSolana
- Crypto deposits
- XPlace CardStablecoins: USDCSolayer Pay CardStablecoins: USDC
- Fiat deposits
- XPlace CardNot disclosedSolayer Pay CardNot disclosed
- Transfers
- XPlace CardStablecoin transfersSolayer Pay CardNot disclosed
- Payout currencies
- XPlace CardNot disclosedSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- XPlace Card0.5%Solayer Pay Card0%
- Max cashback
- XPlace Card4%Solayer Pay CardNot disclosed
- Reward currency
- XPlace CardUSDCSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- XPlace CardUp to 6.15% APYSolayer Pay CardUp to 3.5% APY
- How it works
- XPlace CardBorrow against collateral, Optional earn vaultSolayer Pay CardEarn on spending balance
- Separate deposit
- XPlace CardYesSolayer Pay CardNo
- Use balance for spending
- XPlace CardNoSolayer Pay CardYes
- Lock-up
- XPlace CardNoSolayer Pay CardNo
Trust & availability
6 fields- Custody
- XPlace CardHybrid custodySolayer Pay CardCustodial
- Control until payment
- XPlace CardProvider controls fundsSolayer Pay CardProvider controls funds
- Card issuer
- XPlace CardThird NationalSolayer Pay CardThird National
- Card processing
- XPlace CardSignify Holdings, Inc. (Rain)Solayer Pay CardNot disclosed
- Identity verification
- XPlace CardSumsubSolayer Pay CardSumsub
- Programme operator
- XPlace CardNot disclosedSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- XPlace Card26Solayer Pay Card25
- Last reviewed
- XPlace CardAug 27, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
XPlace Card is the stronger all-round choice
XPlace Card finishes ahead with an Overall Score of 68 versus 55 for Solayer Pay Card. XPlace Card has the lower starting plan cost ($0 vs $20/year). XPlace 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. XPlace Card uses a hybrid custody setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
XPlace Card lists more stablecoins and ways to send money out (3 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 XPlace Card and Solayer Pay Card reviews first.
Continue with
XPlace Card
Continue with
Solayer Pay Card
05 · Common questions
XPlace vs Solayer Pay FAQ
Is XPlace or Solayer Pay better overall?
XPlace Card has the higher Overall Score (68 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, XPlace or Solayer Pay?
XPlace 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, XPlace or Solayer Pay?
XPlace 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 XPlace and Solayer Pay differ on custody?
XPlace Card uses a hybrid custody setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this XPlace vs Solayer Pay comparison?
The latest information check for these two cards was August 27, 2026, using 51 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.