Head to head
Solid vs Ethena Pay
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | So Solid | Et Ethena Pay |
|---|---|---|
| Overall rank | #4 of 29 | #8 of 29 |
| FX spread | 0% | 1% |
| Base cashback | 3 | 4% |
| Custody | Custodial | Non-Custodial (no option to see keys until deleting account |
| Virtual card | Free | Yes, Free |
| Physical card | No | No |
| Spend limit | ||
| ATM withdrawals | ||
| Setup time | 8 minutes | 10 minutes |
| KYC steps | 5 | 5 |
| Score | 8.8/10 | 7.5/10 |
Solid
Solid.xyz - A high-reward, low FX fee card with a trick up its sleeve. Solid offers BOTH Rain and Wirex cards depending on your country. This means both US (covered in 30 states) and EU residents can get Solid cards. Rain cards and Wirex cards are the leading BaaS solutions for crypto cards. Rain works better in the US and the Americas, issuing through stablecoin-native rails. Wirex covers Europe, Asia-Pacific, and global markets. Typically, card Issuers include exclusive agreements, meaning you can't use both. This could also be why they're the lowest FX fee card I've tested out of 30 cards. Are any other crypto Neobanks doing this? - The base card comes with a 3% Base Cashback, a free virtual card, and a 0% FX Fee. - The Premium tier comes with 5% cashback + 50% off subs, and higher APY %. I'm pretty impressed with this low-key card. The UI is great, the app is seamless, and the team have done a great job.
Ethena Pay
Crypto Card Review: Ethena Pay I've been testing Ethena Pay for the last couple of days, and it feels (almost) premium. It's in Beta and nearly ready for public launch; here are my first thoughts. Positives: - Non-USD FX Fee: 1% (cashback negates and beats this) - 4% Cashback on all purchases is sweet (up to 5% w/Pro) - UI is possibly the best among all cards I've tested - Personal US/EUR/GBP IBAN accounts - Insights page showing spending by categories and earning breakdowns - 5% APY - Instant deposits with limited Fees Negatives: - Apple Only (for now) - Multiple "Coming Soon" features - Non-custodial, but no way to see your keys without deleting your account. Rating: 7.5/10 As soon as it's on Android and includes a few of its promised upcoming features, this will be a 9/10.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+