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Ethena Pay vs Solayer Card

Ethena Pay scores higher on the G2M score: 83/100 against 47/100 (#1 and #23 of 26 cards). Pick Ethena Pay for cashback, a lower annual fee and a lower FX fee; pick Solayer Card for more countries.

Ethena Pay83

#1 of 26 · 4% to 5% back · annual fee none

Get EthenaRead the review
Solayer Card47

#23 of 26 · Not published back · annual fee $20

Get SolayerRead the review

The short answer

  • Ethena Pay scores higher on the G2M score: 83/100 against 47/100 (#1 and #23 of 26 cards).
  • Ethena Pay pays 4% cashback on its entry tier; Solayer Card does not publish a rate. Higher tiers go up to 5% on Ethena Pay.
  • Ethena Pay has no annual fee; Solayer Card costs $20 a year.
  • Ethena Pay charges less on foreign currency: a 1% FX fee against 1.5%.
  • Ethena Pay lists 48 countries where it works; Solayer Card does not publish a full country list (154 confirmed so far). Of the markets we check for every card, only Ethena Pay is confirmed in UAE, and only Solayer Card is confirmed in United States.
  • Both are self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Ethena Pay
Solayer Card
G2M score
83 (better)
47
Base cashback
4%
Not published
Max cashback
5%
Not published
Paid in
AVAX, daily
Points
Annual fee
Free (better)
$20
FX fee
1% (better)
1.5%
Top-up fee
0% (better)
1%
Per-purchase fee
None listed
$0.15
ATM
$1 + 0.65% per withdrawal
Supported; fee not published
Network
Visa
Visa
Card type
Spend
Credit
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
No
United States
No
Yes
United Kingdom
No
No
EU / EEA
No
No
Countries
48
154
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
Not confirmed
No
Buy and sell crypto with fiat
Buy and sell
No
Spend against crypto without selling
No
No
Yield on your balance
Yes
Yes
Tiers
Standard · Pro · VIP
Membership
Perks
Works on Arbitrum, Ethereum, Optimism and Polygon · 5% a year on your balance, up to $5,000, paid daily in USDe · 6% a year on your balance, up to $100,000, paid daily in USDe · 6% a year on your balance, up to $1,000,000, paid daily in USDe
Referral points

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Ethena Pay or Solayer Card?

Ethena Pay scores higher on the G2M score: 83/100 against 47/100 (#1 and #23 of 26 cards). Pick Ethena Pay for cashback, a lower annual fee and a lower FX fee; pick Solayer Card for more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Ethena Pay or Solayer Card?

Ethena Pay has no annual fee; Solayer Card costs $20 a year. Ethena Pay charges less on foreign currency: a 1% FX fee against 1.5%.

Which pays more cashback, Ethena Pay or Solayer Card?

Ethena Pay pays 4% cashback on its entry tier; Solayer Card does not publish a rate. Higher tiers go up to 5% on Ethena Pay.

Which works in more countries, Ethena Pay or Solayer Card?

Ethena Pay lists 48 countries where it works; Solayer Card does not publish a full country list (154 confirmed so far). Of the markets we check for every card, only Ethena Pay is confirmed in UAE, and only Solayer Card is confirmed in United States.

Who holds my funds with Ethena Pay and Solayer Card?

Both are self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.