The stablecoin money app
Save and earn with Solid, and spend wherever Visa is accepted with your Solid card.
Up to 5% cashback
Up to 6% APY
$0 monthly fees
Money that works as hard as you do
up to
5%
Cashback on every qualified purchase 1
up to
6%
on your dollars. plus up to 15% on FUSE and 3% on ETH
Spend
Spend wherever Visa is accepted
Tap to pay in stores, online, and while you travel. Available at 175M+ merchants worldwide.
Learn about the card
Earn
Money grows in the background.
Dynamic yield grows your savings automatically. Instant withdrawals
Learn moreMove
Send money like a message
Get paid from anywhere, send money home to family, and cash out to your bank whenever you need. Fund your account with dollars or stablecoins.
Explore ways to move
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Free Visa virtual card 1
Spend at 175M+ merchants worldwide
No top-up or maintenance fees.
Other fees may apply, see card terms*
Start earning yield instantly
Smart, optimized yield
Earnings compound continuously
Institutional-grade strategies
4.5%
4.5%
4.5%
Deposit via bank transfer or crypto 2
Get paid via ACH or wire
Send to anyone, anywhere, in seconds
Fully self-custodial, only you hold the keys
The only account you'll ever need
Move money in, hold it in dollars, grow it and withdraw locally when you need it.
Spend without selling
Borrow USDC against your savings. Your balance stays put and keeps earning. 1
Self-custodial by design
You hold the keys, secured by passkeys and audited key infrastructure. Not even Solid can move your funds. 2
Get paid like you're in the US
Personal account and routing numbers. ACH and wires land as dollars in your wallet. 2
Join a community of people making money work harder
“Deposits take one or two minutes. The balance is on my card and ready to spend almost instantly.”
“I use it for groceries, food, everyday payments. The foreign exchange fees are much lower than other crypto cards, that’s why I stick with Solid.”
“Solid is a good alternative as a neobank because it helps you grow your savings and use them in real life, in your everyday life.”
“Great service so far. I’m looking forward to payments launching in the EU. The USDC yield is also really good.”
“I tried other crypto cards, but one required staking their token and another had high FX fees. Solid just works.”
“No fees, no transaction limits, plus 3% cashback on everything I spend. With my old card I paid fees on every transaction and had limits on how many I could make.”
“Banks here give 2-3% on savings. With Solid I’m earning more than double that.”
“5% cashback is a no-brainer for me. I get 1% on Amex, and I can’t even use Amex everywhere.”
Partners and Backers
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Frequently asked questions
SOLID is a full-stack DeFi protocol that lets users earn, spend, and save directly from their self-custodial wallet. At its core is SoUSD — a yield-bearing, non-custodial stablecoin designed for a seamless, cross-chain experience.
When you deposit USDC, you mint SoUSD — a token that represents shares in a vault optimized for yield. Your funds are allocated into whitelisted, audited DeFi strategies. You earn automatically as the vault grows in value.
No staking. No lockups. Yield compounds passively.
Note: While we abstract gas and signatures for simplicity, you still sign transactions and pay gas when minting or redeeming.
SOLID offers DeFi without the headaches.
You get:
- Real yield from curated strategies
- Abstracted bridging & gas management
- Full control through self-custody
- A sleek interface and upcoming payment card
All in one protocol, designed to just work — for everyone.
SoUSD is a yield-bearing stablecoin. Unlike typical 1:1 pegged stablecoins, SoUSD represents your share in a growing vault.
Its value increases over time as interest accrues — no need to stake or manage positions.
SoUSD is gasless, cross-chain, and composable — ready for use in payments, swaps, lending, and more.
SoUSD uses a dynamic exchange rate, based on the vault's current performance:
exchange rate = total assets / total sharesIf the vault has earned yield, each SoUSD is worth more than $1, so you’ll receive fewer SoUSD tokens — but your USD-equivalent value is preserved and grows over time.
Yield comes from BoringVaults — a set of curated DeFi strategies across chains. Capital is deployed into secure, audited protocols with strong performance histories (e.g., lending markets, staking).
Strategies are selected based on risk, uptime, and on-chain performance, ensuring your SoUSD earns reliable, risk-adjusted yield — without you lifting a finger.
