Costs, licensing, consumer protection Privacy, self-custody, censorship resistance

Solid Card

Name: Solid Card
Brand: Solid

Solid · Visa

3.0/5 2.6/5 · Data verified on Jun 22, 2026

Solid is a full-stack DeFi protocol that lets users earn, spend, and save directly from a self-custodial wallet. At its core is SoUSD, a yield-bearing non-custodial stablecoin: the user deposits USDC, mints SoUSD, and keeps full control of funds until the moment of transaction (self-custody model). The Solid Card is a virtual Visa card issued by Rain that lets users spend SoUSD at over 200 million Visa merchants worldwide, with Apple Pay and Google Pay support. Issuance is free and there is no annual fee; cashback reaches up to 3% paid in FUSE tokens (sources report a 2% base tier with higher tiers up to 5%). The FX markup stated by the official site is 1% on non-USD transactions. The card is currently virtual only and offers no ATM access, so ATM fees and limits are shown as 0 and "Not available" in the absence of an official figure. Coverage includes the US, Latin America (Argentina, Brazil, Chile, Colombia, and others), and select African countries. Founding year and legal entity name are not publicly disclosed and are therefore omitted.

The number that matters

The banner cashback isn't what you pocket.

After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).

Advertised cashback 3%

Real net cashback 2.8%

Data verified on Jun 22, 2026 · personalise the calc

Transparency: Very low

31/100 · see methodology

Data exposure: Minimal

31/100 · lower is better for sovereignty · methodology

Data & conditions

§ Amounts in USD/GBP are shown in the service's native currency.

Network	Visa
Fund custody	Self-custody (funds in your control)
Issuance fee	Free
Annual fee	Free
Free ATM limit	Non disponibile (carta solo virtuale, nessun accesso ATM)
ATM withdrawal	Free
FX markup	1%
Cashback	3% in FUSE · Nessuno
Chains	Ethereum, Polygon, Fuse
Contactless	Yes
Virtual card	Yes
KYC	Full
Privacy	5/10
Supported countries	US, LATAM, AFRICA
Funding / solidity	La Solid Card e emessa da Rain, card issuer e program manager regolato e Visa Principal Member, su rete Visa. Solid fornisce il protocollo DeFi e la stablecoin a rendimento SoUSD.
Estimated net annual cost	€0/year
Regulator	Rain (Visa Principal Member, card issuer/program manager)
Segment	B2C
Funding / solidity	The Solid Card is issued by Rain, a regulated card issuer/program manager and Visa Principal Member, on the Visa network. Solid provides the DeFi protocol and the yield-bearing SoUSD stablecoin.
MiCA / License status	Nessuna licenza propria: la carta e emessa da Rain (card issuer/program manager regolato) sulla rete Visa

Strengths

Self-custody: funds stay in SoUSD in the user's wallet until the transaction
Free issuance, no annual fee, and up to 3% cashback in FUSE
Yield-bearing balance: the SoUSD stablecoin earns interest even when unspent

Self-custody: funds stay in your wallet — the platform cannot touch them.

Weaknesses

Virtual card only, no ATM access and no IBAN
Cashback paid in FUSE tokens (volatile), not fiat or stablecoin
Limited coverage (US, LATAM, select African countries) and reliance on issuer Rain

Full KYC required: verified identity, zero pseudonymity.

Verdict

C C ★ 3.0/5 ★ 2.6/5 Estimated net annual cost: €0/year

Non-custodial card: funds stay in SoUSD in the user's wallet until the transaction, but issuance is handled by Rain (a Visa Principal Member) and requires full KYC. Protection hinges on Rain's reliability rather than a license held by Solid itself.

Good operational sovereignty: self-custody until the moment of spending and a yield-bearing balance held in the user's own wallet. Limits: mandatory KYC, reliance on issuer Rain, and cashback paid in the volatile FUSE token.

Privacy & anonymity 30% 1.3

Fund control 20% 5.0

Censorship resistance 20% 1.5

Costs 10% 3.8

Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.

"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.

FAQ

Is the Solid Card custodial or self-custody?

It is self-custody: funds stay in the SoUSD stablecoin in the user's non-custodial wallet until the moment of spending. The Visa card is issued by Rain.

How much does the Solid Card cost and what cashback does it offer?

Issuance is free and there is no annual fee. Cashback reaches up to 3% paid in FUSE tokens. The FX markup is 1% on non-USD transactions; the card is virtual and offers no ATM access.