Mine Card vs Solayer Pay
Crypto native
Crypto native
Verdict
- Mine Card scores higher overall (6.3 vs 6.2 out of 10).
- Mine Card is clearly stronger on: Fees.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Mine Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Fees
Solayer Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Mine Card | Solayer Pay |
|---|---|---|
| Fees | 99 | 83 |
| Cashback & rewards | 26 | – |
| Availability | – | 50 |
| FX & international | – | 40 |
| Product features | 70 | 70 |
| Custody & security | 85 | 80 |
| Credit & financing | – | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.1 | n/a |
| Best for Travel | n/a | 5.6 |
| Best for Self-Custody | 7.4 | 7.2 |
| Best for DeFi Users | 6.8 | 6.5 |
| Best for Stablecoins | 7.0 | 6.8 |
| Best for High Spenders | 5.1 | 5.5 |
| Best for Low Fees | 8.0 | 7.0 |
| Best for Beginners | 7.6 | 7.5 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveConditions apply: tap or hover for detailsShow source
Invite-only: sign-up needs a code from an existing member (or the higher no-code price)
ActiveShow source
Card type
Stablecoin cardConditions apply: tap or hover for detailsShow source
Spends from your USDC balance, converted at purchase
Stablecoin cardShow source
Network
MastercardShow source
VisaShow source
Custody model
Self-custodyShow source
Self-custodyShow source
Card issuer / program manager
Unblock Atomo SARL (card issuer); operated by EMM Ventures AGShow source
Tiers / plans
Basic · PremiumConditions apply: tap or hover for detailsShow source
Metal and Private announced, no price yet
Fees
Annual fee
$20/yearConditions apply: tap or hover for detailsShow source
Membership; covers the virtual card for 12 months
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Basic and Premium are one-off fees, no subscription
Physical card fee
$124Conditions apply: tap or hover for detailsShow source
Premium tier (physical + virtual card), one-off; $99 with an invite code
FreeConditions apply: tap or hover for detailsShow source
Card free; shipping $24.99 (US Express) or $59.99 (International Express)
Virtual card fee
$5Conditions apply: tap or hover for detailsShow source
One-off; free with an invite code
FX fee
1.5%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per international transaction
Top-up fee
FreeShow source
1%Show source
Settlement fee
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
Other fees & markups
Small markup on card FX · Conversion pricing above the free 500 CHF/EUR lifetime allowanceShow source
Card deactivated after 6 months of inactivity; a new card must be issuedShow source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Basic tier has no cashback; Premium 0.5% in USDC
Max cashback
0.5%Conditions apply: tap or hover for detailsShow source
Premium tier; 'boosted cashback' announced for Metal
Cashback paid in
USDCShow source
Cashback type
StablecoinShow source
PointsShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
Opt-in Earn via Aave V3, off by default; variable
5%Conditions apply: tap or hover for detailsShow source
4–5% on sUSD, a Treasury-backed stablecoin users can opt into
Cashback conditions
Every transaction earns Solayer Card Points (Season 2), for future LAYER token rewards and partner perks · Referrers earn 10% of their referrals' pointsShow source
Credit & financing
Credit line
NoShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
Except the excluded countries and 17 US states
Not available in
AF, AL, AD, Australia, Austria, BY, Belgium, BA, Bulgaria, BF, BI, KH, Canada, CF, CN, Croatia, CU, Cyprus, Czechia, CD, Denmark, ER, Estonia, Finland, France, GE, Germany, Greece, GN, GW, HT, Hungary, Iceland, India, Indonesia, IR, IQ, Ireland, Israel, Italy, JM, JO, XK, LA, Latvia, LB, LR, LY, Lithuania, Luxembourg, Malaysia, ML, Malta, MD, MC, ME, MA, MZ, MM, Netherlands, New Zealand, NI, Nigeria, KP, Norway, PS, Poland, Portugal, QA, Romania, RU, SM, RS, Slovakia, SO, South Africa, South Korea, Spain, SD, Sweden, Switzerland, SY, Thailand, Turkey, UG, Ukraine, United Arab Emirates, United Kingdom, VU, VE, EH, YE, PW, NP, VietnamConditions apply: tap or hover for detailsShow source
Residents or citizens, regardless of current residence
Account / spend currencies
CHF · EUR · USDCShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
CHF and EUR IBAN in your own name; incoming money settles as USDC
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Premium tier
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Limit $20,000 per month on Basic, $60,000 on Premium
YesShow source
Spend stablecoins
YesShow source
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Listed only under the (not yet released) Metal tier; not on Basic or Premium
Spendable assets
USDCShow source
Blockchains
Solayer ChainShow source
Limits
ATM limit
$20,000Conditions apply: tap or hover for detailsShow source
Per month on Basic; $60,000 on Premium
$250Conditions apply: tap or hover for detailsShow source
Per withdrawal, incl. ATM surcharges; at most three attempts per 24 hours
Spending limit
$100,000Conditions apply: tap or hover for detailsShow source
Per month, Basic; Premium $1,000,000
Security & custody
Regulation / licences
Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland · IBAN and conversion services provided by a regulated Swiss financial intermediaryShow source
Smart-contract risk
YesConditions apply: tap or hover for detailsShow source
Applies to opt-in Earn via Aave V3
Annual cost at 1,500 EUR/month
Mine Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
Solayer Pay
- Annual & monthly fees−18 EUR
- FX costs−54 EUR
- Crypto conversion–
- Per-transaction feesunknown
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers