SpendNode Rating for Solflare
Solflare's wallet remains established and its self-custodial card design protected user funds, but the card program is paused after issuer Kulipa wound down.
The custody architecture performed as promised: funds stayed in users' wallets. The card operation did not, with both virtual and physical cards stopping on July 28, 2026. A new issuer and replacement program are expected, but must be re-verified before Solflare returns to recommendations.
Issuer Snapshot
Editorial vendor score stays separate from user reviews. Methodology
Product Quality
3.3
Trust & Custody
4.0
Fee Transparency
3.4
Operational Reliability
3.4
Market Relevance
3.3
On This Page
What Is Solflare?
Solflare is a self-custodial Solana wallet with a live Mastercard debit card built into its mobile app. The card spends USDC directly from the user's Solflare wallet rather than requiring a separate prepaid card balance.
The current card supports instant virtual issuance, an optional physical card, Google Pay, and ATM withdrawals where supported. Solflare lists Apple Pay as coming soon. Published availability covers the EEA and UK, while applications from other countries are assessed case by case inside the app.
SpendNode app screenshot
Solflare Card - A Mastercard debit card connected to self-custodial USDC on Solana.
The Solflare Card
Solflare Card - Virtual and physical Mastercard options for spending USDC from a Solflare wallet. The card supports Google Pay, with Apple Pay still listed as coming soon.
The main distinction is the funding model. USDC remains in the user's wallet until spending or settlement instead of being transferred into an exchange or card balance first. Card functionality still depends on Solflare and its payment partners, so self-custody protects access to the underlying wallet funds rather than guaranteeing uninterrupted card service.
Available crypto cards by Solflare in October 2026
1. Solflare Card
Live Self-Custodial Solana Mastercard With Google Pay
Fees and Rates
Solflare's current guide lists a 1% Solflare service fee plus a 0.40%-0.70% FX fee for UK and EEA card spending. That implies an illustrative cost of roughly 1.4%-1.7% before any card-network exchange-rate difference or ATM charge.
| Fee | Published position | Notes |
|---|---|---|
| Solflare service fee | 1% | Listed in Solflare's current card guide |
| FX fee | 0.40%-0.70% | Listed for UK and EEA spending |
| Annual or issuance fee | Confirm in app | Not clearly stated on the public card page |
| ATM fee | Confirm in app | ATM access is supported where available |
The public card page does not publish a complete fee schedule. Review the in-app quote before issuing the card or making a large transaction.
Rewards and Cashback
Solflare does not publish a universal ongoing cashback percentage for the card. Its current materials mention merchant cashback separately, which should not be treated as a base reward on every purchase.
This makes Solflare primarily a Solana spending product rather than a cashback-first card. Users comparing it with cashback cards should price the service and FX fees before assigning value to merchant-specific offers.
Solana-Native Self-Custody
The card spends USDC on Solana from a wallet controlled by the user:
- USDC remains in the Solflare wallet before spending
- there is no separate exchange balance to preload
- the user retains the wallet recovery phrase
- card payments still rely on Solflare, Mastercard, and payment partners
If the card service is interrupted, the underlying USDC should remain accessible through the wallet. The card itself, transaction authorization, conversion, disputes, and ATM access remain dependent on the payment stack.
Countries and Availability
Solflare is available in 31 countries as of October 2026. We count a country here when at least one active Solflare card variant lists it, so individual product pages may be narrower.
Available Regions
Europe
Austria (AT), Belgium (BE), Bulgaria (BG), Croatia (HR), Cyprus (CY), Czech Republic (CZ), Denmark (DK), Estonia (EE), Finland (FI), France (FR), Germany (DE), Greece (GR), Hungary (HU), Iceland (IS), Ireland (IE), Italy (IT), Latvia (LV), Liechtenstein (LI), Lithuania (LT), Luxembourg (LU), Malta (MT), Netherlands (NL), Norway (NO), Poland (PL), Portugal (PT), Romania (RO), Slovakia (SK), Slovenia (SI), Spain (ES), Sweden (SE), United Kingdom (GB)
Major Restricted Markets
These major markets are not currently listed for this vendor. Confirm eligibility with the issuer before applying, especially where card tiers have different country rules.
Africa
Egypt (EG), Kenya (KE), Nigeria (NG), South Africa (ZA)
Americas
Argentina (AR), Brazil (BR), Canada (CA), Chile (CL), Colombia (CO), Mexico (MX), United States (US)
Asia
China (CN), Hong Kong (HK), India (IN), Indonesia (ID), Japan (JP), Malaysia (MY), Philippines (PH), Singapore (SG), South Korea (KR), Taiwan (TW), Thailand (TH), Turkey (TR), United Arab Emirates (AE)
Europe
Switzerland (CH)
Oceania
Australia (AU), New Zealand (NZ)
Use the mobile app to check final eligibility. Residency documents, identity verification, issuer restrictions, and account approval can still affect access inside a listed country.
Mobile Wallets and Card Formats
- Virtual card: Issued in the Solflare mobile app after approval
- Physical card: Available as an optional order
- Google Pay: Supported
- Apple Pay: Listed as coming soon
- Network: Mastercard
- Spending asset: USDC on Solana
SpendNode app screenshot
Card controls - Virtual card access and spending management inside Solflare.
How Solflare Compares
Solflare is most relevant beside other wallet-linked cards. Gnosis Pay uses a Safe account and Gnosis Chain, while MetaMask Card serves a broader multi-chain wallet audience. Solflare is the more direct fit for someone already holding spending funds as USDC on Solana.
Its weakness is cost transparency and economics. A 1% service fee plus FX can outweigh modest rewards elsewhere, and there is no published universal cashback rate to offset it. Its advantage is avoiding a separate custodial funding balance.
Who Should Use Solflare?
Solflare can fit users who already hold USDC on Solana, want direct wallet spending, and prefer self-custody over transferring funds to an exchange-linked card. Google Pay and an optional physical card make it usable beyond online purchases.
It is a weaker fit for reward maximizers, users who need Apple Pay now, or anyone who wants a complete public fee table before applying. Compare the in-app issuance terms and transaction quote before moving substantial spending to it.
Sources and Verification
Written by Aleksandar Dukic
Frequently Asked Questions
Is Solflare crypto card available in the United States?
No. Solflare crypto card is not available in the United States.
Is the Solflare Card available?
Yes. Solflare's current card page and application guide describe a live Mastercard with instant virtual-card issuance and an optional physical card. Published availability covers the EEA and UK, while eligibility in additional countries is decided case by case in the mobile app.
Is the Solflare Card a credit card?
No. The Solflare Card is a self-custodial Mastercard debit card that spends USDC directly from a Solflare wallet. It does not provide a revolving credit line.
User Reviews
Reviews are moderated and may take a moment to appear.
Latest Page Changes to the Solflare Review
- Solflare Card temporarily paused: both virtual and physical cards stopped working on July 28, 2026 after card issuer Kulipa wound down. Existing cards will not carry over. Funds remain in users' self-custodial wallets and open Borrow positions stay accessible
- Solflare is moving to a new issuer and expects to relaunch in August 2026 with planned Apple Pay and Google Pay support, higher limits, and a cashback program (terms not yet confirmed). Delisted from active recommendations pending relaunch
App Store (9.6K ratings)
Source: Apple App Store - Updated Jul 2026