Card database / Visa / Stablecoin payment card

Solayer Pay Card

Updated: Sep 16, 2026

Solayer Pay Card is an on-chain stablecoin Visa payment card launched by Solayer and formerly known as Emerald Card. Users primarily use USDC for spending and can allocate funds to sUSD within the Solayer ecosystem to earn returns. Virtual and physical cards are currently available for online shopping, physical merchants, Apple Pay, Google Pay and ATM withdrawals with the physical card. Purchases can also earn Emerald Points and partner project benefits.

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Card network
Product type: Stablecoin payment card
Card form: Virtual card / Physical card
Operating status: Active
KYC level: Full KYC
Commercial relationship: No commercial relationship
Risk score: 70-79

Supported assets: USDC
Last updated: Sep 16, 2026

Official and company information

Issuer identity and company credentials

Solayer Pay is operated by Solayer Labs, Inc. Solayer is responsible for the product interface, onchain accounts, stablecoin fund management, card application, and rewards system. Both the current US Cardholder Agreement and international Card Terms list Third National as the card program issuer, and cards are issued under a Visa license. Identity verification is provided by Sumsub. Solayer's responsibilities are separate from those of the issuer; Third National is responsible for card accounts and the corresponding payment credit relationship.

Visit website Application page

Company / issuer: Solayer
Legal name: Solayer Foundation
Registered region: Cayman Islands (KY)
Headquarters: Singapore and Dubai
Company type: Program manager
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

Solayer Pay combines a stablecoin account, on-chain settlement, Visa cards, and yield features. After completing KYC and activating an account, users can deposit USDC into Solayer Pay and spend through a virtual or physical card. Solayer states that payment transactions are processed through the on-chain infrastructure of Solayer Chain. In legal documents, the US card uses a credit card structure with no fixed credit limit, while the international card follows the Solayer Spend Card model: the issuer pays the merchant first, with settlement then covered by the Solayer account and collateral. The physical card officially launched in May 2026 and supports PIN setup, contactless payments, and ATM withdrawals. Virtual and physical cards share the Solayer Pay balance.

Visa card experienceRegional availabilityTerms may change

Notice: No additional notice is available.

Usage scale & trends

2026-09 · Project-wide data

Source unspecified

Spend (USD)

$1,353,856.26

No comparable previous month

Transactions

No comparable previous month

Last six complete calendar months

Spend (USD)

1.6M

26-04

1.9M

26-05

1.2M

26-06

1.5M

26-07

1.5M

26-08

1.4M

26-09

Monthly details

Period	Spend (USD)	Transactions
2026-04	$1,630,991.45	29
2026-05	$1,901,897.74	24
2026-06	$1,170,583.17	26
2026-07	$1,529,150.50	29
2026-08	$1,450,784.68	31
2026-09	$1,353,856.26	30

Card variants and fee differences

Compare verified fee records across card forms and tiers

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	SSolayer Pay Virtual Card	SSolayer Pay Physical Card
Card form	Virtual card	Physical card
Fees
Monthly fee	—	—
Card issuance fee	20 USD Account activation covers the first year.	Free Free; delivery is charged separately.
ATM fee	—	—
Foreign exchange fee	0.1 USD + 1.5% International transactions in currencies other than USD.	0.1 USD + 1.5% International transactions in currencies other than USD.
Top-up fee	1% According to the current fee structure.	1% According to the current fee structure.
Failed transaction fee	—	—
Rewards
Cashback	—	—
Crypto cashback	—	—
Staking rewards	—	—
Staking APR	—	—
Welcome bonus	—	—
Referral bonus	10% Earn points from friends' spending.	10% Earn points from friends' spending.
Limits
Daily spending limit	—	—
Monthly spending limit	—	—
ATM withdrawal limit	—	250 USD Up to 3 attempts within 24 hours.
Card network

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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

103

ChileCLTimor-LesteTLAngolaAOGrenadaGDZimbabweZWUnited StatesUSCôte d’IvoireCINorth MacedoniaMKKazakhstanKZBahrainBHMauritaniaMRBoliviaBOMauritiusMUPanamaPASloveniaSIGuyanaGYSt. Vincent & GrenadinesVCArmeniaAMHondurasHNSierra LeoneSLTunisiaTNTrinidad & TobagoTTSeychellesSCSaudi ArabiaSAVatican CityVAEthiopiaETParaguayPYNamibiaNAAzerbaijanAZBotswanaBWCameroonCMBarbadosBBPakistanPKTogoTGSenegalSNGhanaGHMacaoMOBahamasBSTongaTOBeninBJPhilippinesPHTurkmenistanTMTuvaluTVEcuadorECHong KongHKSouth SudanSSAlgeriaDZGabonGAColombiaCOMarshall IslandsMHSt. LuciaLCBangladeshBDUzbekistanUZTanzaniaTZGuatemalaGTZambiaZMPeruPEKuwaitKWKiribatiKIChadTDMaldivesMVCape VerdeCVCosta RicaCRFijiFJSurinameSRSingaporeSGLesothoLSDominicaDMArgentinaARSolomon IslandsSBOmanOMKyrgyzstanKGJapanJPSão Tomé & PríncipeSTKenyaKEDominican RepublicDORwandaRWPapua New GuineaPGGambiaGMSri LankaLKSamoaWSBhutanBTTajikistanTJAntigua & BarbudaAGNauruNRBruneiBNMadagascarMGTaiwanTWNigerNECongo - KinshasaCDMongoliaMNUruguayUYSt. Kitts & NevisKNMalawiMWDjiboutiDJBelizeBZUnited States (Excluding Restricted States)ComorosKMBrazilBRMexicoMXLiechtensteinLIEl SalvadorSVEquatorial GuineaGQ

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

109

BulgariaBGIdahoFranceFRVenezuelaVEAfghanistanAFCubaCULebanonLBOhioNicaraguaNILouisianaSwitzerlandCHIraqIQBurundiBIMontanaIrelandIEPortugalPTRomaniaROEgyptEGLiberiaLRJordanJOCroatiaHRSyriaSYFinlandFIDelawareSpainESNetherlandsNLSomaliaSOMarylandIndonesiaIDMaliMLTürkiyeTRBosnia & HerzegovinaBAMoldovaMDLatviaLVCzechiaCZChinaCNQatarQALithuaniaLTJamaicaJMCambodiaKHVietnamVNGeorgiaGEVanuatuVUCyprusCYSerbiaRSHaitiHTIsraelILNevadaBelgiumBEUnited KingdomGBThailandTHMozambiqueMZNorth DakotaGermanyDEBurkina FasoBFGreeceGRSwedenSEUnited Arab EmiratesAECentral African RepublicCFGuinea-BissauGWOregonNorwayNOIranIRPolandPLMonacoMCBelarusBYSouth AfricaZAEritreaERMoroccoMAVermontNew MexicoHungaryHUUkraineUANepalNPNigeriaNGWisconsinIcelandISMalaysiaMYGeorgiaYemenYENew ZealandNZCanadaCAIndiaINSouth DakotaUgandaUGAustriaATLibyaLYDenmarkDKMaltaMTSlovakiaSKItalyITRussiaRUWashingtonGuineaGNRhode IslandAustraliaAUPalauPWSouth KoreaKRAlbaniaALSudanSDNorth KoreaKPLaosLALuxembourgLUMyanmar (Burma)MMSan MarinoSMMontenegroMEArizonaAndorraADEstoniaEE

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Can apply，Can use，U.S. residents outside Solayer’s 17 restricted states can apply after completing KYC, while residents of those restricted states are not eligible for card access.

2. United Kingdom：Cannot apply，Cannot use，The United Kingdom is explicitly listed as a restricted jurisdiction, so UK residents or citizens cannot obtain or use Solayer Pay.

3. Canada：Cannot apply，Cannot use，Canada is explicitly excluded from Solayer Pay access, so Canadian residents or citizens cannot apply for or use the card.

4. Australia：Cannot apply，Cannot use，Australia is listed among Solayer’s restricted jurisdictions, preventing Australian residents or citizens from obtaining or using the card.

5. South Africa：Cannot apply，Cannot use，South Africa is explicitly restricted for Solayer Pay, so its residents or citizens cannot apply for or use the card.

6. New Zealand：Cannot apply，Cannot use，New Zealand is included in Solayer’s restricted-jurisdiction list, so residents or citizens cannot obtain or use the card.

7. Ireland：Cannot apply，Cannot use，Ireland is explicitly excluded from Solayer Pay access, so Irish residents or citizens cannot apply for or use the card.

Updated: Sep 16, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / Driver's license / Aadhaar card

Review time / regional limits

After identity verification, card applications usually take three to five business days to process.

KYC provider

Sumsub

Updated

Jul 27, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios

Supported9

Not supported3

UpdatedJul 27, 2026

Wallet payments

Alipay

Not supported

Jul 27, 2026

Wallet payments

Apple Pay

Supported

Jul 13, 2026

Wallet payments

Apple Pay

Supported

Jul 27, 2026

AI tools

ChatGPT

Supported

Jul 27, 2026

AI tools

Claude

Supported

Jul 27, 2026

Wallet payments

Google Pay

Supported

Jul 27, 2026

AI tools

Midjourney

Supported

Jul 27, 2026

In-person payments

Offline POS

Supported

Jul 27, 2026

Online shopping

Supported

Jul 27, 2026

Wallet payments

PayPal

Not supported

Jul 27, 2026

Subscriptions

Subscription payment

Supported

Jul 27, 2026

Wallet payments

WeChat Pay

Not supported

Jul 27, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 4 approved reviews matched to this card

Newest first

Akhi Farjana Bestfriendgoogle_play★ 1 / 5Aug 20, 2026

Solayer Pay Google Play review - 1 star

paid card

View original

Selim Ballyyevgoogle_play★ 3 / 5Jul 6, 2026

Solayer Pay Google Play review - 3 star

devs please add change spending limit option from app

View original

Ifure Jacksongoogle_play★ 5 / 5Apr 13, 2026

Solayer Pay Google Play review - 5 star

I love it, it's swift and safe

View original

ジェフ・リバウスキapp_store★ 1 / 5Apr 2, 2026

SMS 2FA Failure

SMS 2FA でスマホの番号を入力しても、認証コードが送られてきません。日本（+81）では使えないのでしょうか？

View original

Risk factors

Updated: Jul 27, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Solayer Pay Card require KYC?

Our record lists the Solayer Pay Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Solayer Pay Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Solayer Pay Card with?

Our record lists Solayer Pay Card support for: USDC.

Is Solayer Pay Card a virtual or a physical card?

Solayer Pay Card is offered as: Virtual card and Physical card.

Where is Solayer Pay Card available?

Our record lists 103 countries or regions as available and 108 as restricted. Country-by-country status is in the regions section of this page.

Who issues Solayer Pay Card?

Solayer Pay Card is operated by Solayer on the Visa network.