Solayer Pay vs Uphold Debit Card (US)
Crypto native
Crypto native
Verdict
- Solayer Pay scores higher overall (6.2 vs 5.6 out of 10).
- Solayer Pay is clearly stronger on: Availability.
- Uphold Debit Card (US) is clearly stronger on: Fees.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Solayer Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Availability
Uphold Debit Card (US) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Fees
★ 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 | Solayer Pay | Uphold Debit Card (US) |
|---|---|---|
| Fees | 83 | 99 |
| Cashback & rewards | – | 50 |
| Availability | 50 | 3 |
| FX & international | 40 | 40 |
| Product features | 70 | 70 |
| Custody & security | 80 | – |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | 74 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 5.7 |
| Best for Travel | 5.6 | 5.7 |
| Best for Self-Custody | 7.2 | n/a |
| Best for DeFi Users | 6.5 | 5.8 |
| Best for Stablecoins | 6.8 | 6.7 |
| Best for High Spenders | 5.5 | 6.0 |
| Best for Low Fees | 7.0 | 8.1 |
| Best for Beginners | 7.5 | 6.8 |
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
Debit cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
Tiers / plans
Essential (no annual fee) · Elite ($99.99/year)Show source
Fees
Annual fee
$20/yearConditions apply: tap or hover for detailsShow source
Membership; covers the virtual card for 12 months
FreeConditions apply: tap or hover for detailsShow source
Essential; Elite $99.99/year
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Card free; shipping $24.99 (US Express) or $59.99 (International Express)
$4.99Conditions apply: tap or hover for detailsShow source
Essential
FX fee
1.5%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per international transaction
1.5%Conditions apply: tap or hover for detailsShow source
Essential; Elite has no foreign transaction fees
Top-up fee
1%Show source
ATM fee
$2.95Conditions apply: tap or hover for detailsShow source
Essential; Elite has no ATM fees
Settlement fee
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
Other fees & markups
Card deactivated after 6 months of inactivity; a new card must be issuedShow source
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Essential, paid in XRP
Max cashback
4%Conditions apply: tap or hover for detailsShow source
Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
Cashback paid in
XRP (or other crypto at Uphold's discretion)Show source
Cashback type
PointsShow source
CryptoShow 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
3%Conditions apply: tap or hover for detailsShow source
Up to 3% APY on stablecoin balances; variable; no paid plan stated on page
Max cashback per month
$120/monthConditions apply: tap or hover for detailsShow source
Essential; Elite $300/month
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
NoShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
Except the excluded countries and 17 US states
United StatesConditions apply: tap or hover for detailsShow source
Not in Louisiana, New York or US territories
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
Features
Apple Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
When available
Google Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
When available
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Essential: plastic $4.99; Elite: metal $0
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Essential and Elite: $0
ATM withdrawals
YesShow source
YesConditions apply: tap or hover for detailsShow source
Essential: $2.95 per withdrawal; Elite: $0
Spend stablecoins
YesShow source
YesShow 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
Security & custody
Regulation / licences
USD balances held at Cross River Bank, Member FDIC (pass-through insurance up to $250,000 if conditions are met) · Uphold is not a bankShow source
Annual cost at 1,500 EUR/month
Solayer Pay
- Annual & monthly fees−18 EUR
- FX costs−54 EUR
- Crypto conversion–
- Per-transaction feesunknown
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Uphold Debit Card (US)
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−32 EUR
- Cashback+360 EUR
- Net annual value274 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers