ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Solayer Pay: fees, rewards and account setup
ZEN Card has the higher Overall Score by 22 points (77 vs 55). ZEN 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 23, 202668 official sources reviewed
01 · Make the first cut
ZEN Card is the better all-round starting point
ZEN 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.
OverallZEN77Solayer Pay55Higher score
CashbackZEN39Solayer Pay20Higher score
TravelZEN96Solayer Pay53Higher score
Funds controlZEN65Solayer Pay47Higher score
Lowest feesZEN80Solayer Pay43Higher score
TransfersZEN98Solayer Pay29Higher score
Choose ZEN Card if cashback and travel matter most
ZEN 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 plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
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
- ZEN77Solayer Pay55
ZEN Card has the higher Overall Score by 22 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
ZEN Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- ZEN0% baseSolayer Pay0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- ZENCustodial balanceSolayer PayCustodial balance
ZEN Card and Solayer Pay Card use the same custodial balance setup.
- Everyday access
- ZENVirtual + 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
- ZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfersSolayer Pay1 stablecoin · Not modeled
ZEN 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.
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 crypto · 1 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
CardsZEN CardOverall77Solayer Pay CardOverall55
ZEN CardOverall77Solayer Pay CardOverall55Scores
6 fields- Overall Score
- ZEN Card77Solayer Pay Card55
- Cashback score
- ZEN Card39Solayer Pay Card20
- Travel score
- ZEN Card96Solayer Pay Card53
- Funds control score
- ZEN Card65Solayer Pay Card47
- Lowest fees score
- ZEN Card80Solayer Pay Card43
- Transfers score
- ZEN Card98Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- ZEN Card$0Solayer Pay Card$20/year
- FX fee
- ZEN Card0–0.5%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- ZEN Card0–3%Solayer Pay Card1%
- Card spending fee
- ZEN Card0%Solayer Pay Card$0.15
- ATM fee
- ZEN Card0–1.5%Solayer Pay CardNot disclosed
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Solayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- ZEN CardFree: 0%Solayer Pay CardNot disclosed
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaSolayer Pay CardVisa
- Card formats
- ZEN CardVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- ZEN CardAvailableSolayer Pay CardAvailable
- Mobile wallets
- ZEN CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, WebSolayer Pay CardiOS, Android
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Solayer Pay CardShown in app
- Monthly spending limit
- ZEN CardNot publicly confirmedSolayer Pay CardShown in app
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Solayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedSolayer Pay CardSolana
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHSolayer Pay CardStablecoins: USDC
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upSolayer Pay CardNot disclosed
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersSolayer Pay CardNot disclosed
- Payout currencies
- ZEN CardEURSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- ZEN Card0%Solayer Pay Card0%
- Max cashback
- ZEN CardNot disclosedSolayer Pay CardNot disclosed
- Reward currency
- ZEN CardTransaction currencySolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- ZEN CardNot offeredSolayer Pay CardUp to 3.5% APY
- How it works
- ZEN CardNot offeredSolayer Pay CardEarn on spending balance
- Separate deposit
- ZEN CardNot offeredSolayer Pay CardNo
- Use balance for spending
- ZEN CardNot offeredSolayer Pay CardYes
- Lock-up
- ZEN CardNot offeredSolayer Pay CardNo
Trust & availability
6 fields- Custody
- ZEN CardCustodialSolayer Pay CardCustodial
- Control until payment
- ZEN CardProvider controls fundsSolayer Pay CardProvider controls funds
- Card issuer
- ZEN CardUAB ZEN.COMSolayer Pay CardThird National
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCSolayer Pay CardNot disclosed
- Identity verification
- ZEN CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- ZEN CardNot disclosedSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- ZEN Card43Solayer Pay Card25
- Last reviewed
- ZEN CardAug 23, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 55 for Solayer Pay Card. ZEN Card has the lower starting plan cost ($0 vs $20/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. ZEN Card and Solayer Pay Card use the same custodial balance setup.
ZEN 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 ZEN Card and Solayer Pay Card reviews first.
Continue with
ZEN Card
Continue with
Solayer Pay Card
05 · Common questions
ZEN vs Solayer Pay FAQ
Is ZEN or Solayer Pay better overall?
ZEN Card has the higher Overall Score (77 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, ZEN or Solayer Pay?
ZEN 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, ZEN or Solayer Pay?
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 ZEN and Solayer Pay differ on custody?
ZEN Card and Solayer Pay Card use the same custodial balance setup.
How current is this ZEN vs Solayer Pay comparison?
The latest information check for these two cards was August 23, 2026, using 68 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.