Pionex Card vs Solayer Pay
Crypto native
Crypto native
Verdict
- Pionex Card and Solayer Pay have the same overall score (6.2/10).
- Pionex Card is clearly stronger on: Fees.
- Solayer Pay is clearly stronger on: Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Pionex Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees
Solayer Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Custody & security
★ 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 | Pionex Card | Solayer Pay |
|---|---|---|
| Fees | 100 | 83 |
| Cashback & rewards | 28 | – |
| Availability | – | 50 |
| FX & international | – | 40 |
| Product features | 70 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | – | 30 |
| Limits & ATM | 60 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.1 | n/a |
| Best for Travel | 6.1 | 5.6 |
| Best for Self-Custody | n/a | 7.2 |
| Best for DeFi Users | 6.1 | 6.5 |
| Best for Stablecoins | n/a | 6.8 |
| Best for High Spenders | 5.3 | 5.5 |
| Best for Low Fees | 8.2 | 7.0 |
| Best for Beginners | 7.4 | 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
ActiveShow source
ActiveShow source
Card type
Stablecoin cardShow source
Network
Visa / MastercardShow source
VisaShow source
Custody model
CustodialShow source
Self-custodyShow source
Card issuer / program manager
Third NationalShow source
Fees
Annual fee
FreeShow source
$20/yearConditions apply: tap or hover for detailsShow source
Membership; covers the virtual card for 12 months
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Card free; shipping $24.99 (US Express) or $59.99 (International Express)
FX fee
1.5%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per international transaction
Top-up fee
1%Show source
ATM fee
2%Conditions apply: tap or hover for detailsShow source
Pionex Visa card, physical card only; ATM operators may charge their own fee
Settlement fee
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
Other fees & markups
Cross border fee: up to 3% · Late payment: up to $40 · Returned payment: up to $29 · Liquidation penalty: up to $35Conditions apply: tap or hover for detailsShow source
Terms effective April 11, 2025
Cashback & rewards
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Pionex Visa card; no cap on eligible spending
Cashback type
PointsShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
USDT balance in the Visa Card account (not USD/EUR); no subscription or staking required; only positive balances
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), unlocking future $LAYER token rewards, partner airdrops, perks, beta access, merch and VIP events · Referrers earn 10% of their referrals' points, indefinitelyConditions apply: tap or hover for detailsShow source
Season 2 of the Points Program
Credit & financing
Credit line
NoShow source
Interest (APR)
0%Conditions apply: tap or hover for detailsShow source
APR for purchases currently 0%; issuer reserves right to introduce interest later
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Spends USDC balance directly, no pre-conversion
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
Except the excluded countries and 17 US states
Not available in
AF, VE, RU, MM, Ukraine, KP, IR, BYConditions apply: tap or hover for detailsShow source
Spending restriction: payments declined at merchants registered in or operating from these countries (sanctions); not a residency/application restriction
AD, United Arab Emirates, AF, AL, Austria, Australia, BA, Belgium, BF, Bulgaria, BI, BY, Canada, CD, CF, Switzerland, CN, CU, Cyprus, Czechia, Germany, Denmark, Estonia, EH, Spain, Finland, France, United Kingdom, GN, Greece, GW, Croatia, HT, Hungary, Indonesia, Ireland, Israel, India, IQ, IR, Iceland, Italy, JM, JO, KH, KP, South Korea, LA, LB, LR, Lithuania, Luxembourg, Latvia, LY, MA, MC, MD, ME, ML, MM, Malta, Malaysia, MZ, Nigeria, NI, Netherlands, Norway, NP, New Zealand, Poland, Portugal, PW, QA, Romania, RS, RU, SD, Sweden, Slovakia, SM, SO, SY, Thailand, Turkey, Ukraine, UG, VE, Vietnam, VU, YE, South AfricaConditions apply: tap or hover for detailsShow source
Country names mapped to ISO codes; Georgia (ambiguous with US state), Kosovo, Darfur and the misspelled Eritea omitted. Also restricted: 17 US states (AZ, DE, GA, ID, LA, MD, MT, NV, NM, ND, OH, OR, RI, SD, VT, WA, WI). Applies to residents or citizens.
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Visa card; ATM only on physical card
YesShow source
Virtual card
YesConditions apply: tap or hover for detailsShow source
Pionex Mastercard is virtual only
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Spendable assets
USDCShow source
Blockchains
Solayer ChainShow source
Limits
ATM limit
$250Conditions apply: tap or hover for detailsShow source
Per withdrawal, incl. ATM surcharges; at most three attempts per 24 hours
Spending limit
$20,000Conditions apply: tap or hover for detailsShow source
Pionex Mastercard default per transaction and daily; monthly 100,000 USD; limit increases not supported
Annual cost at 1,500 EUR/month
Pionex Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−24 EUR
- Cashbackunknown
- 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