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Comparison

Solayer Emerald Card vs. XPlace Card compared

  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Solayer Emerald CardSolayer
  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on XPlace CardXPlace

In short

  • XPlace Card has the lowest monthly fee (unknown).
  • Solayer Emerald Card ask for the least (ID document).
  • Solayer Emerald Card has the higher score (65.3).
Attribute Solayer Emerald CardSolayer XPlace CardXPlace
Score good average
CostsWeight 25 % 93 83
KYC and privacyWeight 20 % 35 18
FeaturesWeight 15 % 82 73
AvailabilityWeight 10 % not scored not scored
RewardsWeight 10 % not scored 30
TrustWeight 10 % 77 85
CommunityWeight 10 % not scored not scored
KYC KYC: ID document KYC: ID + proof of address
Limits (entry level)
  • ATM per transaction (physical card): 250 USD
  • ATM per 24 hours (physical card, number): 3×
  • Spending per month: 2,000 USD
  • Spending per day: only in the app
  • Single payment per transaction: only in the app
Basics
Card form credit Source and check Source docs.solayer.org Wording at the source Annual Percentage Rate (APR) for Purchases: 0% Your Solayer Spend Card is currently Zero 0% interest on all purchases. Issuer and Solayer reserve the right to implement interest in the future, for new... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
credit Source and check Source x.place Wording at the source Cash Mode for direct spending. Credit Mode borrows against your holdings – credit opens automatically the moment you tap. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card types virtual, physical Source and check Source docs.solayer.org Wording at the source - Virtual Card – Use immediately upon approval via Apple Pay or Google Pay Q5. Is a physical card available? Yes. You can order a physical Solayer Pay card directly from the app or on web. 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 x.place Wording at the source Virtual card: minutes after sign-up. Physical card: 7–14 business days depending on the region. Silver physical cards are live. Gold and Platinum coming soon. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card network Visa Source and check Source docs.solayer.org Wording at the source Q1. What is Solayer Pay? Solayer Pay is a Visa-based card that lets users spend crypto in the real world. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Visa Source and check Source x.place Wording at the source Borrow against your assets. Spend anywhere Visa is accepted. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Custody self-custody Source and check Source solayer.org Wording at the source With offerings like sSOL and sUSD, natively on the Solayer infiniSVM, this card enables seamless real-world spending while earning the highest on-chain yield—all within a fully non-custodial framework... 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 x.place Wording at the source No. Your funds sit in your self-custodial wallet. Yield assets are deployed into audited DeFi protocols (Kamino Finance), where you remain the on-chain owner. XPlace cannot freeze, seize, or move your... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Funding model credit line Source and check Source docs.solayer.org Wording at the source Issuer is the creditor responsible for funding your payments for goods and services your purchase at a merchant through your Solayer Card and based on information provided by Partner. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
credit line Source and check Source x.place Wording at the source Cash Mode for direct spending. Credit Mode borrows against your holdings – credit opens automatically the moment you tap. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card currencies (differs) USD Source and check Source docs.solayer.org Wording at the source If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Usage (differs) personal Source and check Source docs.solayer.org Wording at the source You will use the Solayer Card for personal, family, or household use. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Issuer / BIN sponsor Third National Source and check Source docs.solayer.org Wording at the source "Issuer" refers to the issuer of the card program. The issuer for this card program is Third National. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Third National Source and check Source x.place Wording at the source The XPlace Visa card is issued by Third National under a programme managed by Signify Holdings, Inc.; fiat services are provided by regulated third-party partners; borrowing is executed by the Kamino... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Limits depend on (differs) unknown
plan Source and check Source x.place Wording at the source Basic Annual fee Free Monthly limit $2,000 Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Cards per account unknown
unknown
Availability
Available in unknown
unknown
Crypto
Supported assets (differs) USDC Source and check Source docs.solayer.org Wording at the source - Spend directly from USDC — no pre-conversion Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
BTC, ETH, USDT, USDC, SOL Source and check Source x.place Wording at the source XPlace runs on Solana. Supported assets: BTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT, and xStocks (tokenized equities). Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Number of supported assets unknown
unknown
Top-up networks (differs) unknown
Solana Source and check Source x.place Wording at the source XPlace runs on Solana. Supported assets: BTC (cbBTC), ETH (wETH), SOL, JitoSOL, USDC, USDT, and xStocks (tokenized equities). Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fiat top-up unknown
unknown
Payments
Mobile wallets Apple Pay Google Pay Source and check Source solayer.org Wording at the source Add your card to Apple Pay or Google Pay for contactless payments. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Apple Pay Google Pay Source and check Source x.place Wording at the source Anywhere Visa is accepted – online, offline. Apple Pay and Google Pay native. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
ATM withdrawals (differs) Yes Source and check Source docs.solayer.org Wording at the source Q10. Can I withdraw cash from an ATM? Yes, with the physical card. Local ATM fees may apply. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Contactless Yes Source and check Source solayer.org Wording at the source Add your card to Apple Pay or Google Pay for contactless payments. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
Yes Source and check Source x.place Wording at the source Tap on your terms 03 Cash Mode for direct spending. Credit Mode borrows against your holdings – credit opens automatically the moment you tap. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fees
Virtual card issuance unknown
unknown
Physical card issuance (differs) 0.00 USD Source and check Source docs.solayer.org Wording at the source The physical card is FREE — you only pay shipping. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Free cards unknown
unknown
Shipping (differs) 24.99 USD – 59.99 USD Source and check Source docs.solayer.org Wording at the source | Shipping Method | Shipping Cost | Details | |---|---|---| | US Express | $24.99 | 2–5 business days, tracked | | International Express | $59.99 | 5–11 business days, tracked | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Monthly fee unknown
unknown
Annual fee (differs) 20.00 USD Source and check Source docs.solayer.org Wording at the source Membership Fee – $20/year Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
0.00 USD Source and check Source x.place Wording at the source Basic Free $2K 0,5% 1% Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Top-up fee (differs) 0.5 % Two sources, two values Shown0.5 % docs.solayer.orgchecked 29 Oct 2026 Top-Up Fee – 0.5% per top-up Differing1 % docs.solayer.orgfetched 29 Oct 2026 | Top-Up Fee | 1% per top-up transaction | Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean?
unknown
Crypto deposit fee unknown
unknown
Crypto conversion fee unknown
unknown
Foreign currency fee (differs) unknown
1 % Source and check Source x.place Wording at the source Basic Free $2K 0,5% 1% Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
FX free allowance unknown
unknown
Minimum FX fee unknown
unknown
ATM fee unknown
unknown
Declined payment fee unknown
unknown
Refund fee unknown
unknown
Inactivity fee unknown
unknown
Minimum monthly spend unknown
unknown
Inactivity rule (differs) Cards are deactivated after 6 months of inactivity; reactivation requires requesting a new card issuance. Source and check Source docs.solayer.org Wording at the source - Cards will be deactivated after 6 months of inactivity. - To reactivate, request a new card issuance. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean?
unknown
Card replacement unknown
unknown
Rewards
Cashback (differs) unknown
0.5 % (cap 10.00 USD/month) · in USDC
Referral bonus (invited friend) unknown
unknown
Referral bonus (you) (differs) Earn 10% of the points earned by referred friends, indefinitely. Source and check Source docs.solayer.org Wording at the source Refer friends and earn 10% of their points — indefinitely. The more they spend, the more you earn. Checked Verified Value wrong? No earlier versions What does [s] mean?
unknown
Welcome bonus unknown
unknown

Highlighted rows differ.

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