Fuse Card vs Solayer Pay
Crypto native
Crypto native
Verdict
- Fuse Card scores higher overall (6.4 vs 6.2 out of 10).
- Fuse Card is clearly stronger on: Fees, FX & international.
- Solayer Pay is clearly stronger on: Availability, Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Fuse Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Frequent travellers
Stronger on: Fees, FX & international
Solayer Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Availability, Product features
★ 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 | Fuse Card | Solayer Pay |
|---|---|---|
| Fees | 100 | 83 |
| Cashback & rewards | – | – |
| Availability | 23 | 50 |
| FX & international | 100 | 40 |
| Product features | 53 | 70 |
| Custody & security | 80 | 80 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 20 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 6.0 | n/a |
| Best for Travel | 7.1 | 5.6 |
| Best for Self-Custody | 7.9 | 7.2 |
| Best for DeFi Users | 6.9 | 6.5 |
| Best for Stablecoins | 8.2 | 6.8 |
| Best for High Spenders | 6.3 | 5.5 |
| Best for Low Fees | 8.8 | 7.0 |
| Best for Beginners | 7.0 | 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
Prepaid cardConditions apply: tap or hover for detailsShow source
Lead Bank Prepaid Visa; not a gift card, no expiration date
Stablecoin cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
Solana smart account with multiple keys
Self-custodyShow source
Card issuer / program manager
Lead BankConditions apply: tap or hover for detailsShow source
Issuer: Lead Bank, a Missouri state-chartered bank; Program Manager: Bridge Ventures LLC; Platform Provider: Selimor Investments Ltd d/b/a Squads Labs (Fuse)
Fees
Annual fee
$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)
Virtual card fee
FreeShow source
Replacement fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Including purchases outside the US
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
FreeShow source
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
Other fees & markups
Fees for Stablecoin Sales and other transactions incidental to card use may be charged by the Platform Provider (Fuse) or Program Manager (Bridge); amounts not stated in this agreementShow source
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
Credit type
NoneShow source
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
At each purchase the Program Manager sells stablecoins from the user's Fuse (Platform Provider) wallet and loads the fiat proceeds onto the card
YesConditions apply: tap or hover for detailsShow source
Spends USDC balance directly, no pre-conversion
Availability
Available in
United States, Argentina, BO, Brazil, Colombia, CR, DO, EC, SV, GH, GT, HN, Mexico, PA, Nigeria, PY, Peru, UYConditions apply: tap or hover for detailsShow source
US except residents of New York and Alaska; age 18+; KYC required. The FAQ also contains an older line naming only the U.S. and Argentina
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
USDConditions apply: tap or hover for detailsShow source
The card holds only fiat currency; fees are applied to the U.S. dollar amount of each transaction
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
NoShow source
YesShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
USDCConditions apply: tap or hover for detailsShow source
Only USDC in the Card Account
USDCShow source
Blockchains
SolanaShow 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
$2,000Conditions apply: tap or hover for detailsShow source
Per day by default; may be raised after some usage
Security & custody
Deposit protection
NoConditions apply: tap or hover for detailsShow source
Fiat currency on the card is not eligible for FDIC insurance
Annual cost at 1,500 EUR/month
Fuse Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- Per-transaction fees+0 EUR
- 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