Free non-custodial Visa, 3-5% USDC cashback and live tier perks. Promo code: 75LP9 ($25 in FUSE).
SpendNode Rating for Solid
4.0/5
Known for: non-custodial stablecoin savings with a free 3-5% cashback Visa
Solid pairs a Safe-smart-account savings vault with a free virtual Visa issued by Rain, paying 3% USDC cashback from day one and up to 5% through points tiers. We opened an account, cleared KYC, and had a live card the same morning in our August 2026 test from Malaysia.
The custody architecture (Safe, Turnkey, Check Point) and honest in-app fee disclosure score well; the platform is young, the card is virtual-only, and headline yield marketing (up to 6%) ran above the observed 4.4%, which keeps reliability and relevance mid-pack for now.
Issuer Snapshot
Active Products1
Editorial vendor score stays separate from user reviews. Methodology
Solid (solid.xyz) is a non-custodial DeFi savings and spending platform built on Safe smart accounts with passkey authentication via Turnkey. It combines a stablecoin yield vault (SoUSD, built on BoringVault infrastructure) with a virtual Visa issued by Rain or Wirex. Core pays 3% USDC cashback, Prime pays 4%, and Ultra pays 5%. Solid markets the card in 105 countries, including the UK and EEA, while Savings works worldwide.
Solid inverts the usual crypto card pitch. Most card apps are spending products with a savings feature bolted on. Solid is a savings product first: you deposit USDC or USDT, the money moves into a yield vault, and the card exists so that the balance never has to stop working to be useful.
The app has three surfaces:
Savings - Deposits convert to SoUSD, a vault share token whose value grows as the underlying DeFi strategies earn. The marketing says up to 6%; the live rate in our app read 4.4% APY.
Card - The Solid Card, a free Core virtual Visa issued by Rain or Wirex, with Apple Pay and Google Pay. Cashback is 3%, 4%, or 5% in USDC depending on tier.
Rewards - Prime and Ultra add higher general cashback, category rewards and savings yield boosts. Points may still appear in the app, but they no longer unlock tiers.
SpendNode app screenshot
The Solid home screen - Cashback and Savings sit side by side as the two core tiles. Note the Savings tile: 4.4% live, against the "up to 6%" marketing. The card setup flow runs directly from this screen.
Custody changes where the risk sits. Your funds remain in a Safe smart account that only you can authorize, secured by device passkeys through Turnkey rather than a seed phrase. Solid cannot move the assets without your approval. The same Safe contract stack secures DAO and DeFi treasury funds; Solid puts it behind biometric login.
We tested Solid first-hand from Malaysia in August 2026: account creation with a passkey took under a minute, KYC cleared quickly, and the virtual Visa went live the same morning, ready for Apple Pay. Deposits, the 4.4% savings rate, and the card fee schedule in this review are what we saw in the app, not just what the website claims.
Available crypto cards by Solid in November 2026
Option 1
1. Solid Card
Free Non-Custodial Visa - 3% USDC Cashback From Day One, Up to 5% With Prime or Ultra
The Solid Card is a free Core virtual Visa on a non-custodial Safe wallet, paying 3% USDC cashback up to $50/month. Prime pays 4% with a $100 cap for $199/year or a 70,000 FUSE lock, while Ultra pays 5% up to $200 and requires 600,000 FUSE locked. The higher tiers now include live category rewards and yield boosts. Rain or Wirex issues the card by residence, and eligible Wirex cards can spend EURC in euros without FX.
+3% cashback in USDC on every purchase from day one, no threshold to start earning
+Prime raises the rate to 4% and Ultra to 5%, with live category rewards and larger caps
+Core has no issuance or annual card fee; eligible Wirex cards can spend a funded EURC balance in euros without FX
+Instant virtual card after a roughly 2-minute KYC - no shipping wait
Solid Card Promo Code 75LP9: Get $25 in FUSE
Use Solid Card promo code 75LP9 by signing up through SpendNode's Solid link. The code is applied automatically. Eligible new users receive $25 worth of FUSE after activating the free virtual Solid Card and spending $150 across at least three different merchants within 30 days. Purchases excluded from cashback do not qualify toward the spend or merchant count.
Offer detail
Current Solid Card offer
Solid Card promo code
75LP9
Welcome bonus
$25 in FUSE
Card requirement
Activate the free virtual Visa
Spending requirement
$150 across at least 3 different merchants
Time limit
Within 30 days
Payout
To Solid Savings about 30 days after qualification
Create your Solid account with promo code 75LP9 attached automatically.
Complete identity verification and activate the free virtual Visa.
Spend $150 on eligible purchases across at least three different merchants within 30 days.
Receive $25 worth of FUSE in Solid Savings approximately 30 days after qualification. Solid converts the USD amount to FUSE at payout.
How the Savings Engine Works
Solid's yield is not an interest rate a company pays you. When you move funds from Wallet to Savings, you mint SoUSD, a token representing shares in a vault. The exchange rate is total assets divided by total shares: as the vault earns, each SoUSD is worth more. There is no staking step, no lockup, and no reward-claiming ritual. The share price simply drifts upward.
Under the hood, capital routes into BoringVaults, a set of curated DeFi strategies (lending markets, staking) built on ERC-4626 with extra safety layers: asynchronous redemptions, withdrawal queues, automated risk-based rebalancing, and permissioned operations that can pause automatically if abnormal risk is detected. Withdrawals from yield positions use a two-step process to block draining attacks.
Solid's FAQ adds one caveat: the app abstracts gas and signatures, but you still sign transactions and may pay gas when minting or redeeming SoUSD. Solid covers gas on eligible on-chain actions for deposits above $10.
Security monitoring is outsourced to a name you would not expect in a DeFi app: Check Point, the NASDAQ-listed cybersecurity firm, continuously watches Solid's onchain activity for exploit attempts, abnormal contract behavior, and contagion risk across vaults and bridges. Turnkey handles key management, and Fuse Network supports transaction and data integrity.
The Card
The Solid Card is a virtual Visa issued by Rain or Wirex depending on residence. Core has no card cost: verify your identity and the card activates in-app, with Apple Pay and Google Pay provisioning on mobile and manual card-detail entry on the web app at app.solid.xyz.
SpendNode app screenshot
The original Core card pitch in-app - The 3% starting rate and free virtual card remain current. Deposit, swap and FX treatment now depends on tier, issuer and transaction currency.
The card has two spending modes:
Savings Mode spends directly from your balance.
Borrow Mode borrows against your savings, so your SoUSD position keeps compounding yield while you spend. Transactions authorize against your collateral.
Borrow Mode is included with the free card, but Solid's public documentation does not publish its borrowing cost, loan-to-value ratio, or repayment terms. Check those in-app before relying on it.
The Solid Card is therefore a crypto-backed payment card: transactions authorize against an available balance or collateral rather than an unsecured credit line.
The three rewards tiers are the same card with different earn rates, not separate products you choose between - everyone starts in Core and grows from there:
Core (every member). 3% USDC cashback capped at $50/month. The default tier from day one, no threshold.
Prime costs $199/year or requires 70,000 FUSE locked for 12 months. It pays 4% general cashback with a $100 monthly cap, 10% on eligible streaming, music and AI purchases, and 8% on eligible rides. Its +2% APY yield boost applies to up to $10,000 in Savings.
Ultra requires 600,000 FUSE locked for 12 months. It pays 5% general cashback with a $200 monthly cap, 20% on eligible streaming, music and AI purchases, and 10% on eligible rides and airlines. Its +3% APY yield boost applies to up to $25,000 in Savings.
The full card mechanics, transaction flow, fee math, and tier break-even analysis live in the Solid Card review.
Cashback is paid in USDC, credited roughly 14 days after each transaction settles, with the exact amount visible per purchase in transaction details. Refunds, reversals, and cash advances are excluded, and reversed purchases claw back their cashback.
Solid Rewards Tiers
Everyone starts in Core. Prime and Ultra are now activated through an annual payment or a 12-month FUSE lock, not by accumulating points.
SpendNode app screenshot
Core - The free starting tier pays 3% general cashback up to $50 per month.
SpendNode app screenshot
Prime - 4% general cashback, a +2% APY boost on up to $10,000 in Savings, and higher rewards on eligible subscriptions and rides. Access costs $199/year or a 70,000 FUSE lock.
SpendNode app screenshot
Ultra - 5% general cashback, a +3% APY boost on up to $25,000 in Savings, and the highest category rates. Access requires 600,000 FUSE locked.
The category rates are live rather than roadmap benefits. Prime lists 10% on eligible streaming, music and AI purchases and 8% on rides. Ultra lists 20% on streaming, music and AI, plus 10% on rides and eligible airlines. Monthly cashback caps remain $50 for Core, $100 for Prime and $200 for Ultra.
Fees and Rates
The app now varies several charges and benefits by tier:
Item
Core
Prime
Ultra
Access
All members
$199/year or 70,000 FUSE locked
600,000 FUSE locked
Card cashback
3%
4%
5%
Monthly cashback cap
$50
$100
$200
Virtual card
Free*
Free*
Free*
Bank deposit
0.5%
0.25%
Free
In-app swap
0.5%
0.25%
Free
Stocks / bank withdrawal
Free
Free
Free
Savings yield boost
None
+2% APY on up to $10,000
+3% APY on up to $25,000
*Solid notes that some charges can apply in selected countries.
SpendNode tested FX fee: approximately 1.59% all-in versus mid-market on a live Malaysian-ringgit purchase.
SpendNode app screenshot
Core fees in-app - The free tier now lists 0.5% bank-deposit and swap fees alongside its $50 monthly cashback cap.
FX needs an issuer and currency qualifier. Our Rain-issued card disclosed 1% on non-USD transactions and measured approximately 1.59% all-in on a Malaysian-ringgit purchase. Eligible Wirex-issued cards can instead fund a EURC balance and pay euro purchases one for one with no conversion or FX fee. Other currencies and an underfunded euro balance can follow the ordinary card conversion route, so check the fee shown in-app for your card.
A Malaysian user spending RM4,300 (about $1,000) a month pays roughly $10 in monthly FX fees. Core cashback on that spend is $30, leaving about $20 before any other costs.
The other advertised-vs-reality gap is yield. Onboarding says "Earn 6%+ yield on your stablecoins"; the marketing site says up to 6%; our app showed 4.4%. Vault yield is variable and Solid's own terms say an "up to" rate is a maximum, not a promise. Judge the product at 4-5%, and treat anything above as upside.
Local-currency funding is available in 16 currencies through TransFi, while Virtual Account access varies by residence. The tier screen now lists bank-deposit fees of 0.5% for Core, 0.25% for Prime and zero for Ultra; confirm the exact rail and amount in-app before funding. Crypto-network costs remain separate.
How to Apply for the Solid Crypto Card
The onboarding flow is one of the fastest we have tested. Six steps:
Step 1. Download Solid from the App Store or Google Play, or open the web app at app.solid.xyz, via SpendNode's Solid link. Our promo code 75LP9 is applied automatically through the link. After card activation, spend $150 across at least three different merchants within 30 days to earn $25 worth of FUSE. Refunds, reversals, and cashback-excluded purchases do not qualify; payout reaches Solid Savings approximately 30 days after qualification.
Step 2. Pick a username and create a passkey. There is no password and no seed phrase; the passkey lives in your device's secure hardware. Your Safe smart account deploys automatically.
SpendNode app screenshot
The onboarding pitch - "Earn 6%+ yield on your stablecoins." Keep this screen in mind for the fee section: the live rate in our account was 4.4%.
Step 3. From the Card tab, tap Get your card and complete KYC. Solid quotes about 2 minutes for identity verification, which matches our experience.
SpendNode app screenshot
Card issuance status - The three-step flow from KYC to live card. In our Malaysia test the whole chain, from Continue verification to the welcome screen, finished the same morning.
Step 4. The card activates. Add it to Apple Pay or Google Pay with one tap.
Step 5. Fund the wallet: send USDC/USDT from any wallet or exchange on six supported networks, or use your Virtual Account ACH/wire details. Solid recommends at least $10 to start.
Step 6. Move funds from Wallet to Savings to start earning. Prime and Ultra are optional upgrades through the annual-payment or FUSE-lock routes shown in the Rewards tab.
Solid vs Other Cards
vs Plasma One: The closest architectural sibling: self-custodial wallet, Visa card, yield on idle balance. Plasma One pays cashback in volatile XPL with spend-banded rates; Solid pays USDC with hard monthly caps. Both now use token locks for premium access, but Solid also sells Prime for $199/year.
vs ether.fi: Both are yield-first platforms with a card attached and broad European coverage. ether.fi Cash pays banded ETHFI cashback; Solid pays USDC at a flat general rate by tier and adds category rewards. Solid's free Core tier is simpler, while its Prime and Ultra value depends on paying or locking FUSE.
vs RedotPay: RedotPay is the custodial incumbent in much of Solid's footprint (Asia, LatAm, Africa) with physical cards, ATM access, and a $100k monthly ceiling. Solid counters with self-custody, vault yield, and a higher base cashback rate, but no physical card or ATM path. Cash-heavy users keep RedotPay; savers who spend digitally get more from Solid.
vs Gnosis Pay: Both now serve the UK and EEA with Safe-based self-custody. Gnosis Pay is a euro-first card product; eligible Wirex-issued Solid cards can hold EURC for fee-free euro spending while keeping Solid's wider savings and rewards stack.
Is Solid Safe?
The right way to assess Solid is counterparty by counterparty:
Solid (the protocol and app). Non-custodial by design: funds live in your Safe smart account and nobody at Solid can move them without your authorization. If the company shut down, your assets remain yours onchain; you would need another interface to reach them, and the card would stop working.
Rain or Wirex (card issuer). The program partner is assigned automatically by residence. If either partner ended its program, the affected card would stop while the self-custodial wallet remained onchain.
BoringVault strategies (yield). Smart-contract risk lives here. Funds allocated to Savings route through audited, whitelisted DeFi protocols with asynchronous redemptions and withdrawal queues; an exploit would put Savings-allocated balance at risk while Wallet balance stays untouched. The 4.4% yield is DeFi yield, not insured interest.
Turnkey (keys) and Check Point (monitoring). Turnkey converts passkey authentication into onchain signatures without keys leaving your device. Check Point runs continuous exploit and anomaly monitoring as a DeFi-native firewall, prevention-focused, able to trigger pauses before damage spreads.
The exposure map: money in Savings carries DeFi strategy risk, pending cashback (up to 14 days of accrual) carries program risk, and money sitting idle in Wallet carries the least risk of all, at the cost of earning nothing. Stablecoin balances are not bank deposits and carry no deposit insurance anywhere in the stack.
Is Solid a Scam?
No. The infrastructure is verifiable and third-party: Safe smart accounts, Turnkey key management, Rain or Wirex card issuance on Visa rails, Check Point security monitoring, and BoringVault yield infrastructure are all named counterparties. KYC is required for the card, and current tier terms are published in-app.
We opened an account from Malaysia, cleared KYC, and had a live virtual Visa the same morning. The observable rates matched the fine print: 3% Core cashback with a $50 cap, 1% FX on the Fees and charges sheet, and a live 4.4% savings rate below the advertised ceiling of 6%.
The risks are variable DeFi yield, a young platform, cashback caps, and the price and lockup exposure attached to FUSE-backed tiers. None is evidence of a scam, but each affects the product's value.
Who Should Use Solid?
Solid fits stablecoin savers who want vault yield and a card from one self-custodial account. Its expanded footprint now includes the UK and EEA alongside Latin America, Africa, Asia, the Middle East, Oceania and 30+ US states.
It is a weaker fit if you need a physical card or ATM cash, if your country remains legally excluded, if your spend runs far above the caps, or if you do not want DeFi strategy risk or FUSE exposure. Core avoids the token lock, while Prime offers a paid route.
Solid's cashback sits on top of a savings product. Judge the vault risk and self-custody model first. If both suit you, Core adds 3% cashback without an annual card fee; Prime and Ultra add stronger rewards at a clear payment or token-lock cost.
Countries and Availability
Solid describes a 105-country card footprint covering the UK, EU and EEA, Latin America, the Caribbean, Africa, Asia, the Middle East, Oceania and 30+ US states. Rain or Wirex issues the card automatically according to residence. Eligible Wirex-issued cards can hold EURC and pay euro purchases one for one without conversion or FX; the Card page shows an Enable EURC spending option when available.
The exclusion list is explicit: cards cannot be issued to residents of Belarus, mainland China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, or Vietnam. Separately, an issued card cannot be used while physically inside Cuba, Iran, North Korea, Russia, Syria, Ukraine, or Venezuela, regardless of residence.
The broader help-center list and the legal issuance policy are not fully aligned: Israel, Turkey, Ukraine and Vietnam appear in regional coverage copy but remain prohibited in the legal issuance list. SpendNode therefore treats the stricter policy as controlling. Availability can change and this may not be the final country list; select your residence in the Card section of the app before relying on eligibility.
Savings is described as worldwide, subject to applicable law and sanctions. Local-currency deposits are live in 16 currencies, while Virtual Account availability is narrower and must be checked in-app.
Solid is available in 100 countries as of November 2026. We count a country here when at least one active Solid card variant lists it, so individual product pages may be narrower.
Available Regions
Africa
Cote d'Ivoire (CI), Egypt (EG), Ghana (GH), Kenya (KE), Morocco (MA), Nigeria (NG), Senegal (SN), South Africa (ZA), Uganda (UG), Zambia (ZM)
Americas
Antigua and Barbuda (AG), Argentina (AR), Bahamas (BS), Barbados (BB), Belize (BZ), Bolivia (BO), Brazil (BR), Cayman Islands (KY), Chile (CL), Colombia (CO), Costa Rica (CR), Dominican Republic (DO), Ecuador (EC), El Salvador (SV), Grenada (GD), Guatemala (GT), Guyana (GY), Honduras (HN), Mexico (MX), Panama (PA), Paraguay (PY), Peru (PE), Saint Kitts and Nevis (KN), Saint Lucia (LC), Saint Vincent and the Grenadines (VC), Suriname (SR), Trinidad and Tobago (TT), Turks and Caicos Islands (TC), United States (US), Uruguay (UY)
Asia
Azerbaijan (AZ), Bahrain (BH), Bangladesh (BD), Georgia (GE), Hong Kong (HK), Indonesia (ID), Japan (JP), Kazakhstan (KZ), Malaysia (MY), Oman (OM), Pakistan (PK), Philippines (PH), Saudi Arabia (SA), Singapore (SG), South Korea (KR), Taiwan (TW), Thailand (TH), United Arab Emirates (AE), Uzbekistan (UZ)
Europe
Andorra (AD), Austria (AT), Belgium (BE), Bulgaria (BG), Croatia (HR), Cyprus (CY), Czech Republic (CZ), Denmark (DK), Estonia (EE), Finland (FI), France (FR), Germany (DE), Gibraltar (GI), Greece (GR), Guernsey (GG), Hungary (HU), Iceland (IS), Ireland (IE), Isle of Man (IM), Italy (IT), Jersey (JE), Latvia (LV), Liechtenstein (LI), Lithuania (LT), Luxembourg (LU), Malta (MT), Moldova (MD), Netherlands (NL), Norway (NO), Poland (PL), Portugal (PT), Romania (RO), Slovakia (SK), Slovenia (SI), Spain (ES), Sweden (SE), Switzerland (CH), United Kingdom (GB)
Oceania
Australia (AU), New Zealand (NZ)
Other
Macao
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.
Americas
Canada (CA)
Asia
China (CN), India (IN), Turkey (TR)
Our Verdict on Solid
Solid is a savings account that happens to carry a card, and it is better judged that way. Deposits become SoUSD vault shares (the live rate in our app read 4.4% APY against the up-to-6% marketing), funds sit in a Safe smart account behind passkeys that Solid cannot move, and Check Point, the NASDAQ-listed security firm, monitors the contracts.
The free Core Visa keeps that balance usable with 3% USDC cashback and a $50 monthly cap. Prime raises general cashback to 4% and activates category rewards for $199/year or a 70,000 FUSE lock; Ultra pays 5% and requires 600,000 FUSE locked. We opened an account from Malaysia in under a minute and had the card live the same morning. Solid now reaches the UK and EEA as well, but issuer-specific fees, tier caps and the FUSE lock still matter more than the 105-country headline.
Card specs, fees, tier mechanics and availability verified against Solid's help center, legal restrictions and fresh in-app tier screens on October 30, 2026, plus hands-on onboarding and card testing from Malaysia. Availability and fees can vary by issuer, tier and country; the app is the final eligibility check.
Is Solid crypto card available in the United States?
Yes. Solid crypto card is available in the United States.
Is Solid a bank, and who holds my money?
No. Solid is a non-custodial DeFi platform: your funds live in your own Safe smart account, secured by passkeys through Turnkey, and nobody at Solid can move them without your approval. The Visa card is issued by Rain or Wirex depending on residence. Balances are crypto assets, not bank deposits, and are not covered by deposit insurance.
How do the Solid rewards tiers work?
Everyone starts in Core at 3% USDC cashback, capped at $50/month. Prime pays 4% with a $100 cap and costs $199/year or requires 70,000 FUSE locked for 12 months. Ultra pays 5% with a $200 cap and requires 600,000 FUSE locked for 12 months. Prime and Ultra also add live category cashback and savings yield boosts. Points no longer unlock either tier.
Does Solid have a promo code or discount code?
Yes. SpendNode's Solid promo code is 75LP9, and it is applied automatically when you sign up through SpendNode's Solid link. A new user earns $25 worth of FUSE after activating the card and spending $150 across at least 3 different merchants within 30 days. The reward is credited to Solid Savings approximately 30 days after qualification.
Is the 75LP9 code for Solid working in November 2026?
Yes. 75LP9 is still a working Solid promo code as of November 7, 2026 - we re-verify it regularly. It applies through our link and pays $25 worth of FUSE after card activation and $150 of eligible spending across at least 3 different merchants within 30 days.
