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SolCard

Custodial prepaid Visa/Mastercard for Solana assets with an optional no-KYC tier.

SolCard is a prepaid debit card solution that enables Solana token holders to spend crypto at merchants worldwide. It offers instant virtual Mastercard and Visa cards, bridging Solana blockchain assets with traditional payment networks through a two-tier system for KYC and no-KYC users.

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Best for

Solana holders wanting 0% top-up fees via KYC or no-KYC spending.

Skip if

You are a US resident needing Full Access or require a physical card.

Network
both
Custody
custodial
KYC
limited
Max cashback
8%
Min monthly fee
$1
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes

The verdict

What we like
  • 0% top-up fee for KYC Visa users.
  • No-KYC Mastercard tier up to $10,000/month.
  • Apple Pay & Google Pay on Full Access Visa.
  • Visa-network/Mastercard-network acceptance at 150M+ merchants.
  • Up to 8% cashback for staking $SOLC tokens.
  • Supports Solana assets: SOL, USDT, USDC, SOLC.
Watch outs
  • High 5% top-up fee on no-KYC Mastercard.
  • KYC required for Visa with Apple Pay/Google Pay.
  • $1 monthly maintenance fee applies.
  • No-KYC Mastercard has a high 5% top-up fee.
  • Full Access Visa requires KYC for 0% top-up fees.
  • Cashback up to 8% requires staking 100,000 SOLC tokens.

Basic information

SolCard is a crypto-funded prepaid card for Solana ecosystem assets (SOL, USDT, USDC, SOLC). It operates on a two-tier model: a standard, no-KYC Mastercard with a $10,000/month limit and a 5% top-up fee, and a 'Full Access' KYC-required Visa with a $100,000/month limit, 0% top-up fees, and Apple/Google Pay support. The service provides instant virtual cards but does not offer physical cards. Full Access is currently unavailable to U.S. residents.

Fees

SolCard's fees vary by tier.

Standard (Mastercard / No-KYC):

  • Top-up Fee: 5% on all crypto deposits
  • Monthly Limit: $10,000

Full Access (Visa / KYC):

  • Top-up Fee: 0% on Visa deposits
  • Monthly Limit: Up to $100,000

General Fees (Both Tiers):

  • Card Issuance Fee: Approximately €10 (varies)
  • Foreign Exchange Fee: 2% for non-USD purchases
  • Monthly Maintenance Fee: $1.00
  • Minimum Top-up/Withdrawal: $10.00

Spending & ATM limits

Notes
Standard Mastercard: $10,000/month top-up limit; Full Access Visa: up to $100,000/month (higher on request)
Monthly Spending
See card_tiers

Features

SolCard offers two distinct card tiers with different features:

Mastercard (Standard):

  • KYC: Not required
  • Card Format: Virtual card
  • Mobile Wallet Support: Not supported

Visa (Full Access):

  • KYC: Required
  • Card Format: Virtual card
  • Mobile Wallet Support: Apple Pay & Google Pay

General Features:

  • Instant card issuance and crypto top-ups.
  • Supports SOL, USDT (Solana), USDC (Solana), and SOLC tokens.
  • Management via a mobile-optimized web dashboard (no dedicated app).

Rewards

SolCard offers a tiered cashback program for users who stake its native $SOLC token. Rewards can be paid out in the user's choice of SOLC or SOL. The tiers are based on the amount of SOLC staked, not on spending volume. * **Bronze:** 1% cashback (no staking required) * **Gold:** 3% cashback (10,000 SOLC staked) * **Platinum:** 8% cashback (100,000 SOLC staked) Additionally, holders of at least 0.1% of the total $SOLC supply qualify for a share of 50% of the platform's top-up fee revenue.

Availability

Available in 188 countries. Restricted in 21 countries. Global reach with acceptance at 150M+ merchants worldwide. Full Access currently unavailable for U.S. residents. Key regions missing: Hong Kong.

Top-up & funding

  • SOL
  • USDT (Solana)
  • USDC (Solana)
  • SOLC

Instant – top-ups typically reflect within minutes

Security & custody

  • Card freeze/cancel via dashboard
  • Tokenization via Apple/Google Pay for in-person transactions (Full Access Visa only)
  • Automatic security freezes for suspicious activity
  • Weekly snapshots for revenue distribution

Risk note. If the provider disappears, users lose access to funds held on the platform. No-KYC cards are particularly exposed to sudden policy and regulatory changes, as demonstrated by SolCard's Visa cancellations in mid-2025.

Mobile wallets

Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported

Card tiers

Mastercard (Standard)

Cashback
1% - 8% depending on $SOLC staking tier
Card material
Virtual only
Monthly limit
$10,000 top-up limit
Issuance fee
Approximately €10
Requirements
No KYC required
  • No KYC required for usage up to $10,000/month
  • Instant card issuance
  • Privacy-focused option

Visa (Full Access)

Cashback
1% - 8% depending on $SOLC staking tier
Card material
Virtual only
Monthly limit
Up to $100,000 (higher on request)
Issuance fee
Approximately €10
Requirements
KYC verification required; temporarily unavailable to U.S. residents
  • 0% top-up fees
  • Higher monthly limits up to $100,000+
  • Apple Pay & Google Pay integration
  • Broader merchant acceptance
  • PayPal compatible

What users say

Trustpilot
3.0/5.0 (5 ratings)

Mixed community trust (2-3/5 ratings across review platforms); common feedback cites strong anonymity (Mastercard tier), high fees (non-KYC), operational and support challenges

Risks & limitations

Risks
  • CounterpartyCustodial model means users lose access to funds if provider disappears
  • RegulatoryHistory of sudden policy changes including mass Visa card cancellations
  • RegulatoryAll Visa SolCards being cancelled with balance withdrawal option
  • RegulatoryFull Access tier temporarily unavailable to U.S. residents
  • RegulatoryNo-KYC cards particularly exposed to sudden policy and regulatory changes
  • MarketCashback rewards paid in volatile tokens may lose value
  • SecurityRisk of account freezes for suspicious activity or policy violations
Limitations
  • major5% top-up fee for non-KYC Mastercard tier makes it expensive for frequent or large transactions
  • moderateVirtual cards only with no physical option
  • moderateVisa (Apple/Google Pay) now requires KYC verification
  • majorFull Access upgrade temporarily unavailable to U.S. residents
  • moderateMixed community trust ratings (2-3/5 on review platforms)
  • majorHistory of sudden policy changes (mid-2025 Visa cancellations affected many users)
  • moderateMerchant restrictions may apply at issuer discretion
  • moderateRisk of account freezes for high decline rates or policy violations
  • minorLimited transparency about exact merchant restriction lists
  • minor$1 monthly maintenance fee
  • minorNo dedicated mobile app (web dashboard only)
  • moderateCashback rewards paid in volatile SOL tokens

Latest updates

  1. June 26, 2025
    All Visa SolCards being cancelled
    All Visa SolCard's are getting cancelled. Users are able to withdraw their remaining balance back to Solana.
  2. June 18, 2025
    0% top-up fee for KYC users
    SolCard now offers 0% top-up fee (instead of 5%) for everyone that does KYC.

Roadmap

Recently shipped
  • June 26, 2025: All Visa SolCards being cancelled with balance withdrawal option
  • June 18, 2025: SolCard now offers 0% top-up fee for everyone that does KYC
  • Mid-2025: Discontinued no-KYC Visa card issuance
Planned
  • Enhanced $SOLC token integration for direct deposits
  • Voucher system for business payouts
  • Potential expansion of supported cryptocurrencies beyond Solana ecosystem
  • Possible governance features for $SOLC token holders
  • Return of no-KYC Visa option (timeline unspecified; currently paused)

Best suited for

Solana ecosystem participants who hold SOL, USDT, USDC, or SOLC and seek immediate spending capabilities; privacy-focused users (Mastercard tier) or cost-conscious users willing to complete KYC (Full Access Visa tier); $SOLC token holders seeking cashback rewards through staking

Our verdict

SolCard bridges the gap between Solana blockchain assets and traditional payment networks through a two-tier system that balances privacy and cost-efficiency. The service now offers distinct paths: a no-KYC Mastercard tier for privacy-focused users willing to pay 5% top-up fees, and a Full Access Visa tier for KYC-verified users seeking 0% top-up fees, higher limits, and mobile wallet integration.

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