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Comparison

Kolo Card vs. Solflare Card compared

  • Image source Source instagram.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only. Kolo CardKolo
  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Solflare CardSolflare

In short

  • Kolo Card has the higher score (66.26).
Attribute Kolo CardKolo Requires KYC Private & business Virtual Physical Solflare CardSolflare KYC unknown Private Virtual Physical
Score good average
CostsWeight 25 % 94 83
KYC and privacyWeight 20 % 35 not scored
FeaturesWeight 15 % 80 54
AvailabilityWeight 10 % not scored not scored
RewardsWeight 10 % 44 not scored
TrustWeight 10 % 93 89
CommunityWeight 10 % not scored not scored
KYC KYC: ID document KYC unknown
Limits (entry level)
  • ATM per transaction: 500 USD
  • ATM per 24 hours (number): 3×
 no limits captured
Basics
Card form debit Source and check Source cdn.kolo.xyz Wording at the source the KOLO Spend Card, the ability to issue a debit card ("Card Services") Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? debit Source and check Source solflare.com Wording at the source First true self-custody debit card Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Card types virtual, physical Source and check Source kolo.xyz Wording at the source The setup flow: download the Kolo app or open the Telegram bot, complete the one-minute KYC, fund the wallet with USDT (TRC20 is the cheapest network for most users), order a virtual or physical card,... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? virtual, physical Source and check Source solflare.com Wording at the source As of today, Solflare Cards — both virtual and physical — have temporarily stopped working. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Card network (differs) Visa Source and check Source kolo.xyz Wording at the source Kolo is a USDT Visa card and hybrid wallet available through mobile apps for iOS and Android and through Telegram. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Mastercard Source and check Source solflare.com Wording at the source Powered by Mastercard and accepted at 100M+ merchants worldwide. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Custody self-custody Source and check Source cdn.kolo.xyz Wording at the source 1.4. Move to a Non-Custodial Model. With effect from 1 July 2026, KOLO does not custody users' Digital Assets. KOLO does not hold or assemble the full private key to your Digital Assets and is not a c... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? self-custody Source and check Source solflare.com Wording at the source First true self-custody debit card Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Funding model converted on spend Source and check Source kolo.xyz Wording at the source During payments, your crypto can be converted into the local currency via Apple Pay and Google Pay right after you complete a 1-minute KYC Verification in Kolo. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? converted on spend Source and check Source solflare.com Wording at the source Real-time USDC-to-fiat conversion at the moment of purchase Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
Card currencies (differs) EUR, USD Source and check Source kolo.xyz Wording at the source You can now use your Kolo USD card to pay at tobacco shops, cigar stores and stands. This merchant category (MCC 5993 — Cigar Stores and Stands) was previously blocked and is now enabled. If a paymen... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Usage (differs) personal, business Source and check Source kolo.xyz Wording at the source - For personal accounts, the note is private — only you can see it - For business accounts, the note is visible to all users with access to that account Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? personal Source and check Source solflare.com Wording at the source You can use it for your daily purchases, just like any other debit card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Issuer / BIN sponsor unknown unknown
Limits depend on (differs) KYC level Source and check Source cdn.kolo.xyz Wording at the source Your transaction limits may vary depending on your payment method, verification steps you have completed, and other factors. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Cards per account unknown unknown
Availability
Available in unknown unknown
Crypto
Supported assets (differs) unknown USDC Source and check Source solflare.com Wording at the source At present, you can only spend USDC. We are working on enabling other assets soon! Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Number of supported assets unknown unknown
Top-up networks (differs) unknown Solana Source and check Source solflare.com Wording at the source The Solflare Card is the first true self-custody crypto debit card on Solana, letting you spend USDC instantly and globally without giving up control of your assets. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Fiat top-up No Source and check Source kolo.xyz Wording at the source | Top-up options | Crypto only | Crypto only | Crypto only | Crypto only | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? No Source and check Source solflare.com Wording at the source With Solflare Card, there's no separate balance and no top-ups. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Payments
Mobile wallets (differs) Apple Pay Google Pay Source and check Source kolo.xyz Wording at the source Yes. Use Google Pay or Apple Pay to shop in stores or online at Amazon, Instagram, Telegram, Netflix, Steam, and many others. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Google Pay Source and check Source solflare.com Wording at the source You can use it instantly with Google Pay, and soon with Apple Pay too. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
ATM withdrawals Yes Source and check Source kolo.xyz Wording at the source - Maximum per withdrawal: $500 Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source solflare.com Wording at the source Your Sofllare Card functions like a regular debit card. You can use it to purchase products and services online, shop in physical stores, or withdraw cash from ATMs. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Contactless Yes Source and check Source kolo.xyz Wording at the source Yes. Use Google Pay or Apple Pay to shop in stores or online at Amazon, Instagram, Telegram, Netflix, Steam, and many others. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source solflare.com Wording at the source Swipe or tap. Your USDC spends instantly from your wallet at checkout. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Fees
Virtual card issuance unknown unknown
Physical card issuance unknown unknown
Free cards unknown unknown
Shipping unknown unknown
Monthly fee (differs) 0.00 USD Source and check Source kolo.xyz Wording at the source | Kolo card | 0% | 0% | 0% | $0 | - | 100% | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Annual fee unknown unknown
Top-up fee unknown unknown
Crypto deposit fee unknown unknown
Crypto conversion fee (differs) 0 % Source and check Source kolo.xyz Wording at the source | Kolo card | 0% | 0% | 0% | $0 | - | 100% | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 1 % Source and check Source solflare.com Wording at the source Enjoy a 1% Solflare fee + 0.40%–0.70% FX fee (UK & EEA) — far lower than most alternatives. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Foreign currency fee (differs) 0 % Source and check Source kolo.xyz Wording at the source | Kolo card | 0% | 0% | 0% | $0 | - | 100% | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
FX free allowance unknown unknown
Minimum FX fee unknown unknown
ATM fee (differs) 0.65 % + 1.00 USD Source and check Source kolo.xyz Wording at the source - ATM withdrawal: $1.00 + 0.65% of the withdrawal amount Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? free Source and check Source solflare.com Wording at the source Solflare doesn't charge ATM fees, however, certain ATM operators do charge a fee for their service. This is not something Solflare controls Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Declined payment fee (differs) 0.60 USD Source and check Source kolo.xyz Wording at the source - Declined ATM transaction: $0.60 Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Refund fee unknown unknown
Inactivity fee unknown unknown
Minimum monthly spend unknown unknown
Inactivity rule unknown unknown
Card replacement unknown unknown
Rewards
Cashback (differs) 1–2 % Source and check Source kolo.xyz Wording at the source - 2% Bitcoin cashback on your purchases in the first month - 1% Bitcoin cashback on every purchase after that Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Referral bonus (invited friend) unknown unknown
Referral bonus (you) (differs) 40 % of fees Source and check Source kolo.xyz Wording at the source - Referral program: earn 40% of the fees Kolo makes on friends you invite Checked Verified Value wrong? History What does [s] mean? unknown
Welcome bonus unknown unknown

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