SafePal Mastercard vs Solayer Pay
Crypto native
Crypto native
Verdict
- SafePal Mastercard scores higher overall (6.5 vs 6.2 out of 10).
- SafePal Mastercard is clearly stronger on: Fees, FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
SafePal Mastercard is a good fit for
- Stablecoin holders
Stronger on: Fees, FX & international
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 | SafePal Mastercard | Solayer Pay |
|---|---|---|
| Fees | 100 | 83 |
| Cashback & rewards | – | – |
| Availability | – | 50 |
| FX & international | 60 | 40 |
| Product features | 70 | 70 |
| Custody & security | – | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Travel | 6.6 | 5.6 |
| Best for Self-Custody | n/a | 7.2 |
| Best for DeFi Users | 6.0 | 6.5 |
| Best for Stablecoins | 7.2 | 6.8 |
| Best for High Spenders | 6.1 | 5.5 |
| Best for Low Fees | 8.3 | 7.0 |
| Best for Beginners | 7.5 | 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
Debit cardShow source
Stablecoin cardShow source
Network
MastercardShow source
VisaShow source
Custody model
Self-custodyShow source
Card issuer / program manager
Fiat24 (Swiss IBAN account and fiat gateway; compliance and licensing)Conditions apply: tap or hover for detailsShow source
Offered in collaboration with SafePal; the page does not name the card issuer separately
Fees
Annual fee
FreeShow source
$20/yearConditions apply: tap or hover for detailsShow source
Membership; covers the virtual card for 12 months
Monthly fee
FreeShow source
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%Conditions apply: tap or hover for detailsShow source
Card payments settled in non-USD currencies
1.5%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per international transaction
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Standard deposit/top-up fee; crypto swaps carry a spread and gas fees
1%Show source
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Transfers to external banks; other banks may charge
Settlement fee
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
Other fees & markups
Refund processing fee 1 USD / 1 EUR / 1 CHF / 7 CNH per refund, depending on payment currency · Gas fees on blockchain transactionsConditions apply: tap or hover for detailsShow source
Gas fees: the page states all financial transactions are conducted on the blockchain, which will result in gas fees
Card deactivated after 6 months of inactivity; a new card must be issuedShow source
Cashback & rewards
Cashback type
PointsShow source
Interest on balance
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), which unlock future $LAYER token rewards, partner airdrops and exclusive perks, and access to beta tests, 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; partner campaigns (Sonic, OpenEden, Solana ID and more) offer extra perks and rewards
Credit & financing
Credit line
NoShow source
NoShow source
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, 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
USD · EUR · CHF · CNHShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN via Fiat24
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Crypto is topped up as USDC
YesShow source
Spendable assets
USDCShow source
Blockchains
ArbitrumShow source
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
€5,000Conditions apply: tap or hover for detailsShow source
Per day; contactless 1,600 EUR per day
Annual cost at 1,500 EUR/month
SafePal Mastercard
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- 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