Plasma One Card vs Solayer Pay
Crypto native
Crypto native
Verdict
- Plasma One Card scores higher overall (6.9 vs 6.2 out of 10).
- Plasma One 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.
Plasma One Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Everyday spenders who want cashback
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 | Plasma One Card | Solayer Pay |
|---|---|---|
| Fees | 100 | 83 |
| Cashback & rewards | 55 | – |
| Availability | – | 50 |
| FX & international | – | 40 |
| Product features | 70 | 70 |
| Custody & security | 85 | 80 |
| Credit & financing | – | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 6.5 | n/a |
| Best for Travel | n/a | 5.6 |
| Best for Self-Custody | 7.8 | 7.2 |
| Best for DeFi Users | 7.3 | 6.5 |
| Best for Stablecoins | 7.6 | 6.8 |
| Best for High Spenders | 6.3 | 5.5 |
| Best for Low Fees | 8.0 | 7.0 |
| Best for Beginners | 7.9 | 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
Stablecoin cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyShow source
Self-custodyShow source
Card issuer / program manager
Rain (Visa Principal Member); account services by BridgeShow source
Tiers / plans
Lite · Core · PlatinumShow source
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
Lite tier (card cost $0); Core and Platinum are paid tiers; partner fees (FX, bank withdrawals) shown in the app
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
FreeConditions apply: tap or hover for detailsShow source
Lite: 1 free virtual card; Core up to 2, Platinum up to 3
FX fee
1.5%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per international transaction
Top-up fee
1%Show source
Settlement fee
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
Other fees & markups
Partner fees on foreign exchange and bank withdrawals (shown in the app before you confirm)Conditions apply: tap or hover for detailsShow source
Platinum: Plasma covers the Visa FX fee
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
Lite tier; Core 3%, Platinum 4% (AI cashback 5% / 10%)
Max cashback
4%Conditions apply: tap or hover for detailsShow source
Platinum tier base cashback; AI spend 10%
Cashback paid in
XPLShow source
Cashback type
Platform tokenShow source
PointsShow source
Interest on balance
6%Conditions apply: tap or hover for detailsShow source
Up to; variable, via DeFi vaults, not guaranteed; varies by tier
5%Conditions apply: tap or hover for detailsShow source
4–5% on sUSD, a Treasury-backed stablecoin users can opt into
Cashback conditions
Platinum: 4% on first $3,000 monthly spend, 3% on next $7,000, 2% on next $5,000, 1% on the rest · Platinum: exclusively for XPL holders; up to $600/year flight cashback on eligible airlinesShow source
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
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Platinum tier requires locking XPL
Staking asset
XPLConditions apply: tap or hover for detailsShow source
Lock 100,000 XPL for 12 months for Platinum
Credit & financing
Credit line
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
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Availability depends on region
YesShow source
Google Pay
YesConditions apply: tap or hover for detailsShow source
Availability depends on region
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
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
Security & custody
Regulation / licences
Plasma is not a regulated financial institution · Account services by Bridge (US: Bridge Building Inc.; EEA: Bridge Building Sp. Z.o.o.; others: Bridge Building Limited) · Card issued by Rain, Visa Principal MemberShow source
Deposit protection
NoShow source
Smart-contract risk
YesConditions apply: tap or hover for detailsShow source
Applies to the Earn feature (third-party DeFi vaults)
Annual cost at 1,500 EUR/month
Plasma One Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+360 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