SpendNode Rating for Solflare Card
Solflare's self-custodial design protected user funds when its issuer wound down, but the card itself is paused and should not be treated as a current spending option.
The former card fit Solana users cleanly and its custody model worked as intended during the issuer failure. Operational reliability is now the decisive weakness: both virtual and physical cards stopped on July 28, 2026, and the replacement program still needs full verification.
How It Competes
Cost Efficiency
4.0
Product Utility
3.8
Custody & Trust
4.2
Reliability & UX
3.7
Transparency
3.8
VIRTUAL CARD
Verified
PHYSICAL CARD
Verified
GOOGLE PAY
Verified
Solflare Card Overview
Live Self-Custodial Solana Mastercard With Google Pay
The Solflare Card is live as a self-custodial Mastercard that spends USDC directly from a Solflare wallet. It supports instant virtual-card issuance, an optional physical card, Google Pay, and ATM withdrawals where supported. Solflare lists a 1% service fee plus a 0.40%-0.70% FX fee for UK and EEA spending, so the product is primarily about direct Solana wallet spending rather than rewards.
Fees & Charges
Annual Fee
TBDConfirm current issuance and recurring charges in-app
FX Fee
0.7%
ATM Fee
TBD
Requirements
Supported Regions
Europe, UK
Spendable Assets
USDC
On This Page
What Is the Solflare Card?
The Solflare Card is a live Mastercard debit card that spends USDC directly from a self-custodial Solflare wallet. It does not require users to move money into a separate exchange or prepaid card balance before spending.
Solflare currently advertises instant virtual-card issuance, an optional physical card, Google Pay, and ATM withdrawals where supported. Apple Pay is still listed as coming soon. Availability is published for the EEA and UK, with selected additional countries assessed case by case in the mobile app.
Physical and Virtual Cards
SpendNode app screenshot
Virtual card access - Card issuance and controls are integrated into the Solflare mobile app.
- Virtual card: Generated in the app after approval
- Physical card: Optional order for physical payments and supported ATMs
- Google Pay: Available
- Apple Pay: Coming soon according to Solflare
- Network: Mastercard
Fees and Rates
Solflare's current guide lists a 1% Solflare fee plus a 0.40%-0.70% FX fee for UK and EEA card spending.
| Cost | Published amount | Practical reading |
|---|---|---|
| Solflare service fee | 1% | Applies before considering FX |
| FX fee | 0.40%-0.70% | Published for UK and EEA spending |
| Combined illustrative cost | 1.40%-1.70% | Excludes possible network-rate differences |
| Issuance or annual fee | Confirm in app | Not clearly published on the public page |
| ATM fee | Confirm in app | ATM access is available where supported |
At $1,000 of equivalent monthly spending, a 1.4%-1.7% combined rate represents roughly $168-$204 a year before ATM charges or exchange-rate differences. There is no universal published cashback rate to offset that cost.
How Spending Works
- Hold USDC in the Solflare wallet on Solana.
- Apply for the card and complete identity verification in the mobile app.
- Generate the virtual card or order the physical version.
- Pay through Mastercard or Google Pay.
- Solflare converts the required USDC during spending or settlement.
The user controls the wallet keys before spending. Payment authorization, conversion, disputes, mobile-wallet support, and card availability still rely on Solflare and its payment partners.
Rewards on This Tier
Solflare does not publish a universal ongoing cashback rate for every card purchase. Merchant-specific cashback can exist separately, but it is not equivalent to a base reward.
For comparisons, the realistic base card reward is therefore 0% unless a specific merchant offer applies. Users prioritizing rewards should compare the card against current entries on the cashback card page.
Countries and Eligibility
The public card page lists the EEA and UK. Other countries may be approved case by case, but Solflare does not provide a stable public list for those additional markets.
Being in a listed country does not guarantee approval. Residency evidence, KYC, issuer restrictions, and account checks still apply.
How This Tier Compares
The closest alternatives are wallet-linked cards rather than exchange cards:
- Gnosis Pay is designed around a Safe account and Gnosis Chain.
- MetaMask Card targets a broader multi-chain wallet setup.
- ether.fi Cash combines onchain collateral with a credit-style spending model.
Solflare is the cleanest fit when the spending balance is already USDC on Solana. Its tradeoff is the published service and FX cost, plus a less complete public fee schedule than some alternatives.
Is the Solflare Card Safe?
Self-custody limits one category of risk: the spending funds remain in a wallet controlled by the user before payment. If card functionality fails, the underlying wallet balance is not the same as a balance deposited with the card issuer.
That does not remove operational risk. Card authorization, conversion, fraud handling, account approval, and Mastercard access depend on Solflare and its partners. Users are also responsible for protecting their recovery phrase and device.
Who Should Choose This Tier
Choose Solflare when you already hold USDC on Solana and value direct wallet spending more than cashback. It can also suit users who need Google Pay now or want both virtual and physical formats.
Look elsewhere when you need Apple Pay immediately, want a guaranteed base reward, or require a fully published fee and limit schedule before applying.
Sources and Verification
Written by Aleksandar Dukic
FAQ
Does the Solflare Card earn cashback?
Solflare does not publish a universal ongoing card cashback rate on its current card page. Merchant-specific cashback may be available separately, but it should not be treated as a base card reward.
Is it self-custodial?
Yes. It spends USDC directly from your self-custodial Solflare wallet, so you retain the wallet keys until spending or settlement. Card functionality still depends on Solflare and its payment partners.
What were the fees?
Solflare's current guide lists a 1% service fee plus a 0.40%-0.70% FX fee for UK and EEA spending. Confirm the in-app quote and any ATM charge before transacting.
Which assets can I spend?
USDC on Solana, held in and spent from your Solflare wallet.
This is a debit card. Some merchants with pre-authorization holds (hotels, car rentals) may temporarily hold funds beyond the transaction amount.
You retain custody of your funds until the moment of spending. Your balance is not exposed to provider insolvency risk.
Fees shown above are the card's disclosed fees. Additional costs may apply: Visa/Mastercard network spread (typically 0.5-0.9%), crypto-to-fiat conversion spread at point of sale, and blockchain gas fees for on-chain top-ups.
Found any issues?
User Reviews
Reviews are moderated and may take a moment to appear.
Latest Page Changes to the Solflare Card Review
- Card paused as of July 28, 2026 (issuer Kulipa wound down); both virtual and physical cards stopped working and existing cards will not carry over. Funds stay in your self-custodial wallet; open Borrow positions remain accessible
- A new-issuer replacement is expected in August 2026 with planned Apple Pay/Google Pay, higher limits, and cashback