Rizon Card vs Solayer Pay
Crypto native
Crypto native
Verdict
- Rizon Card and Solayer Pay have the same overall score (6.2/10).
- Rizon Card is clearly stronger on: Fees.
- Solayer Pay is clearly stronger on: Availability.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Rizon 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
Stronger on: Availability
★ 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 | Rizon Card | Solayer Pay |
|---|---|---|
| Fees | 100 | 83 |
| Cashback & rewards | 51 | – |
| Availability | 23 | 50 |
| FX & international | 32 | 40 |
| Product features | 70 | 70 |
| Custody & security | 80 | 80 |
| Credit & financing | – | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 6.0 | n/a |
| Best for Travel | 5.3 | 5.6 |
| Best for Self-Custody | 7.4 | 7.2 |
| Best for DeFi Users | 7.0 | 6.5 |
| Best for Stablecoins | 7.1 | 6.8 |
| Best for High Spenders | 5.9 | 5.5 |
| Best for Low Fees | 7.6 | 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
Debit cardShow source
Stablecoin cardShow source
Network
VisaConditions apply: tap or hover for detailsShow source
Visa Platinum
VisaShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
Wallet powered by Privy; private keys stay with the user
Self-custodyShow source
Card issuer / program manager
Signify Holdings Inc. and Nimbus LLC (Rain)Show source
Tiers / plans
Standard · Rizon Emerald (from $5.59/month)Show 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
Account maintenance; optional Rizon Emerald subscription from $5.59/month
Physical card fee
Not disclosedConditions apply: tap or hover for detailsShow source
Shown in the app only
FreeConditions apply: tap or hover for detailsShow source
Card free; shipping $24.99 (US Express) or $59.99 (International Express)
Virtual card fee
Not disclosedConditions apply: tap or hover for detailsShow source
Shown in the app only
Replacement fee
Not disclosedConditions apply: tap or hover for detailsShow source
Shown in the app only
FX fee
1.7%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per non-USD card transaction; 1.02% with Rizon Emerald; USD spend free
1.5%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per international transaction
Top-up fee
FreeShow source
1%Show source
Crypto withdrawal fee
0.1%Conditions apply: tap or hover for detailsShow source
Plus network fee (on-chain withdrawal)
Transfer fee
0.1%Conditions apply: tap or hover for detailsShow source
International transfer: network fee + 0.1%; sending to another Rizon user is free
Settlement fee
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
Other fees & markups
Trading fee 1.7% (0.85% with Rizon Emerald)Show source
Card deactivated after 6 months of inactivity; a new card must be issuedShow source
Cashback & rewards
Base cashback
2.5%Conditions apply: tap or hover for detailsShow source
On eligible purchases
Max cashback
2.5%Conditions apply: tap or hover for detailsShow source
Metal card with bigger cashback announced as coming soon
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
RizPoints earned on every purchase, redeemable for gifts and rewardsConditions apply: tap or hover for detailsShow source
Separate points program alongside cashback; higher RizPoints tiers unlocked by spending more
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
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Spends USDC balance directly, no pre-conversion
Availability
Available in
United States, Latin AmericaConditions apply: tap or hover for detailsShow source
Site-wide services restriction notice (Rizon Technologies, UAB); the same page also advertises 'Global dollar services outside the U.S.', so the notice may be shown per visitor region
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 · EURConditions apply: tap or hover for detailsShow source
USD and EUR accounts in the Rizon app (virtual ACH & SEPA account)
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
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
Annual cost at 1,500 EUR/month
Rizon Card
- Annual & monthly fees+0 EUR
- FX costs−61 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+450 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