virtualphysical Visa KYC: ID Verification Available in India

Solayer Pay Card

Name: Solayer Pay Card
Brand: Solayer
Availability: InStock

by Solayer

Crypto-native Visa card that spends stablecoins globally, fully on-chain

6.2

/ 10

Overall

Good

Editor score

Get this card → Official site

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Overview

Solayer Pay is a crypto-native Visa card that lets you spend stablecoins directly, without manual off-ramps, while staying on-chain. It works at millions of Visa merchants, supports Apple Pay and Google Pay, and adds points and referral rewards. It is a newer product from the Solayer ecosystem, and availability is global with the US restricted, so confirm eligibility at signup.

Key facts

Card type: Virtual, Physical
Card network: Visa
Custody: Custodial (stablecoin wallet)
Cashback: Points and referral rewards (no base cashback)
Apple Pay: Yes
Google Pay: Yes

Unique features

On-chain stablecoin spending without off-ramps
Solayer Pay app with real-time balance tracking
Yield on eligible balances via real-world assets

India availability

Solayer Pay is described as globally available with only the US restricted, and it spends stablecoins at Visa merchants across regions. Indian residents can apply and top up with stablecoins. There is no INR top-up, and it is a newer product, so confirm current eligibility and limits at signup.

Available in India

Yes

INR top-up

Indian KYC accepted

Yes

Ships to India

Yes

Best for Indian users

Indian stablecoin holders who want a crypto-native Visa card with Apple/Google Pay and on-chain settlement.

Solayer Pay is described as globally available with only the US restricted, and spends stablecoins at Visa merchants across regions.
There is no INR top-up — fund the card with stablecoins such as USDC and USDT.
Both virtual and physical cards are offered; physical shipping depends on the program.
It is a newer product, so confirm current eligibility, limits and fees at signup.
Tax note: spending crypto can be a taxable disposal of a VDA in India (30% plus surcharge/cess, 1% TDS in some cases). Informational only.

Pros & cons

Pros

Spends stablecoins directly, no manual off-ramps
Works globally at millions of Visa merchants
Apple Pay and Google Pay (virtual and physical cards)
0% fees on P2P transfers
Points and referral rewards
On-chain settlement and real-time balance tracking

Cons

Newer product with a shorter track record
No base cashback in fiat or stablecoins
US restricted
Stablecoin-funded — no INR top-up
Yield features depend on eligible balances

Fees

Solayer Pay Card fee structure
Monthly fee	Free
Annual fee	Free
Crypto-to-fiat conversion	Stablecoin spending (no manual conversion)
FX / foreign-currency fee	Competitive FX handling

Solayer Pay states 0% fees on P2P transfers and competitive FX handling. Card issuance and spending fees depend on the program; confirm current terms in the app before applying.

Card formats

Virtual Card

Available

Issuance: Varies

Physical Card

Available

Material: Plastic

KYC requirements

Level 3 of 4 — ID Verification

Solayer Pay Card KYC requirements
Email verification	Required
Phone verification	Not Required
Identity document	Required
Proof of address	Not Required
Selfie verification	Not Required

Integrations & tech

Apple Pay

Google Pay

iOS app

Android app

IBAN support

Debit mode

Credit mode

Supported crypto

Tokens

USDC USDT SOL

Chains / networks

Solana Base

Scores

Editor score

How we rate — see our methodology.

KYC simplicity 6.5

Fee efficiency 6.5

Reward value 5.5

App experience 7.0

Privacy 7.5

Support quality 6.0

Community score

6.5 / 10

Based on 2 cited sources

Sources

Perks & benefits

Spend stablecoins directly on-chain
Apple Pay and Google Pay
0% P2P transfer fees
Points and referral rewards

Rewards program details

Solayer Pay rewards spending and referrals with points that unlock benefits and partner perks. There is no base cashback rate advertised.

Exclusions

US restricted
No base cashback

Frequently asked questions

Is Solayer Pay available in India?

Solayer Pay is described as globally available with only the US restricted, and spends stablecoins at Visa merchants across regions. Indian residents can apply and fund with stablecoins; confirm eligibility at signup.

Can I top up Solayer Pay with INR?

No. Solayer Pay is funded with stablecoins such as USDC and USDT. There is no direct INR top-up.

Does Solayer Pay give cashback?

There is no advertised base cashback. Solayer Pay rewards spending and referrals with points and partner perks.