Solflare Card
Solflare Card lets you spend USDC straight from your Solflare wallet on Mastercard's network, with no separate top-up balance to fund.
Solflare Card: USDC Spending, Fees And Solana Cashback
What is Solflare Card?
Solflare Card is a self-custody Mastercard debit card that spends USDC straight from your Solana wallet, built for EEA and UK users but currently down after issuer Kulipa's collapse in July 2026.
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Solflare Card Overview
Solflare Card is a Mastercard debit card built on top of the Solflare Solana wallet. It does not create a separate card balance. You spend USDC on Solana straight from your own wallet, and the merchant gets paid in local fiat. Every purchase triggers an on chain debit that pulls USDC out of the wallet you connected to the card. That is the whole idea behind it, and it is a genuinely different model from most crypto cards, which ask you to load funds into a custodial account first.
Before anything else: check the status. Virtual and physical Solflare Cards stopped working at checkout on 28 July 2026 after the issuing partner, Kulipa, wound down. Solflare says user funds were never held by Kulipa, so wallet balances were never at risk, only the ability to spend them through this card. A replacement issuer program has been promised, with talk of Apple Pay, Google Pay, higher limits, and cashback added from day one. As of mid August 2026, independent reviews had not confirmed the new setup was live. Don't plan a trip or a subscription around this card until you have checked the Solflare app yourself.
The card suits people who already hold spendable cash as USDC on Solana and live in the EEA or the UK, since that is where applications are open to residents aged 18 and up (other countries are reviewed case by case). It fits someone who wants to tap or swipe without routing funds through an exchange first, and who is fine completing KYC, which is required because Mastercard and the licensed issuer sit under normal payment rules. It is a poor fit if you hold SOL, USDT, or other tokens and expect the card to spend them directly, since only USDC on Solana works today. It is also a poor fit if you want a guaranteed cashback percentage: the launch rewards program ran on raffle style points rather than a fixed rate back.
Funding is simple because there is nothing to fund. You buy or transfer USDC into your Solflare wallet, and that balance is what the card can spend, no top up step, no separate load. Spending pulls straight from the wallet in real time, so your available balance is always just what sits in your USDC address. Mastercard acceptance is broad on paper, cited at over 110 million locations, and gas on the Solana side of each transaction is small, commonly a cent or less.
On fees, the figures published for the first program (and likely to be revised under a new issuer) list no annual fee and free virtual card issuance. The main recurring cost for European users is an FX fee around 1% on non USD charges, since most EEA and UK spend runs in EUR or GBP. Solflare says it does not add its own ATM fee, though ATM operators can, and some outside reviews put real world ATM costs near 2%. A later add on called Card Borrows lets you spend against SOL as collateral instead of selling it, which is closer to a DeFi loan than a normal card feature, and it carries its own liquidation risk if SOL drops.
What makes this card stand out is also its biggest current weakness. Keeping funds in your own wallet meant nothing was lost when the issuer collapsed, which is a real advantage over prepaid crypto cards. But a card that can stop working at the terminal with no warning is hard to trust for groceries or subscriptions. I would treat this one as a wallet feature worth watching rather than your main daily card, at least until the replacement issuer is confirmed live in the app.
Solflare Card Key features
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Self custody spend
Your USDC stays in your own Solflare wallet until you tap or swipe. The card partner moves payment rails, not your money, so no company holds a balance for you.
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No top up balance
There is no second account to fund. You spend straight from the USDC already sitting in your connected wallet.
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Mastercard acceptance
Solflare says the card works at more than 110 million Mastercard locations, in stores, online, and at ATMs. The merchant sees local currency while your wallet loses USDC.
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Virtual card first
You get a virtual Mastercard right after KYC inside the app. A physical card came later in the first program, and old numbers stopped working when the issuer failed.
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Google Pay support
The first live version worked with Google Pay. Apple Pay never shipped but Solflare says it will arrive with the next issuer.
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Solana settlement
Every swipe triggers a Solana transaction that pulls USDC from your wallet, usually in seconds. Network gas runs about a cent or less, even though some marketing calls it gasless.
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Freeze and 3D Secure
Online charges can require a 3DS code, and the app lets you unlock with biometrics or a PIN. You can freeze or unfreeze the card instantly if a charge looks wrong.
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USDC against SOL
A mid 2026 add on lets you borrow USDC against SOL collateral so you can spend without selling your SOL. This is a separate credit risk and your collateral can be liquidated, so treat it as optional, not a core card perk.
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Raffle style rewards
The launch program gave points that worked as raffle tickets, not a fixed cashback percent. Solflare has promised real cashback for the next issuer, but no rate is public yet.
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Solana USDC only
The card spends USDC on Solana and nothing else for now. If your money sits in SOL, other tokens, or another chain, you need to swap or bridge into Solana USDC first.
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EEA and UK only
Anyone 18 or older in the EEA or UK can apply inside the Solflare app. Other countries get reviewed case by case, and the card does not work everywhere the wallet does.
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Card is currently down
Virtual and physical cards stopped working on 28 July 2026 after issuing partner Kulipa wound down. Solflare says a new issuer is coming with higher limits and cashback, but reviews through mid August 2026 had not confirmed it was live.
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No monthly card fee
The first program charged $0 for the annual or monthly fee and $0 to issue a virtual card. Confirm this again once the new issuer launches, since terms may change.
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1% foreign spend fee
Non USD purchases were commonly quoted at 1% on top of the Mastercard interbank rate. That fee hits most EEA and UK spend since it is rarely in USD.
Solflare Card Fees
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Card fee There is no annual or monthly card fee in the first (Kulipa) program; it is $0.
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Issuance fee Virtual card issuance is listed as free.
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FX spread Non-USD charges commonly carry a 1% FX fee on the Mastercard interbank rate, and some aggregators reported an extra 0.4% to 0.7% on top.
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ATM withdrawals Solflare says it does not add its own ATM fee, but third-party reviews cited about 2% after a free allowance under the old program.
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Network gas Each on-chain USDC debit on Solana costs roughly $0.01 or less in network gas.
Solflare Card Supported networks
Solana
How to use Solflare Card
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Check if the card works now
Open the Solflare app or help center before you apply. Virtual and physical cards stopped working on 28 July 2026 when the issuer Kulipa shut down, so confirm the replacement program is live in your region.
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Set up your Solflare wallet
Download the official Solflare app for iOS or Android and create or import a wallet. Write your recovery phrase on paper and store it offline; never share it or screenshot it.
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Complete identity verification
Open the card icon in the app and start the application. Upload a government ID and wait for the issuer to approve you, since only EEA and UK residents aged 18 or over can apply and other countries are reviewed case by case.
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Fund your wallet with USDC
Buy, swap, or transfer USDC on Solana into the same wallet you used for KYC. There is no separate card balance to top up; your spending limit is just the USDC sitting in that wallet.
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Activate your virtual card
Once approved, open the card number, expiry, and CVV inside the app. Add the card to Google Pay if your region supports it (Apple Pay was promised for the new issuer but was not confirmed live as of mid August 2026).
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Make your first payment
Tap or swipe in store, or enter the virtual card details online and complete 3D Secure if asked. Watch the app for the matching on-chain USDC debit, and freeze the card instantly if you spot a charge you don't recognize.
Solflare Card Demo video
Solflare Card Screenshots
Solflare Card User Reviews
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Solflare Card @solflare was my daily card for payments. Loved it, used it everywhere. Today it just stopped working.
View on X ↗
Their issuing partner Kulipa collapsed due to solvency issues and all cards died overnight. Not Solflare's fault. Funds are safe, Kulipa never held a cent of user money, and a new card version is already coming with Apple Pay and cash back built in.
But I need a card that works now, not in a few weeks. So I'm switching to Jupiter Card @JupiterExchange and testing it properly. Will update you on the way. -
I've been using the Solflare card for a while now, all good.
View on X ↗ -
Very simple: @solflare
View on X ↗
1 - Only Solana wallet, no other chains
2 - I don't need to have SOL to pay for transaction, wallet covers gas for you and takes cut from USDC/USDT (for example)
3 - In the same wallet I have "Solflare shield" best hardware wallet for Solana with no cables, bluetooth, batteries, or screens
4 - It shows all of my DeFi positions with 100+ protocols, Stocks, predictions market and PNL
5 - Once I withdrew my huge profit from protocols and I wanna spend it
I use "Solflare Virtual card", no need to send or bridge USDC, just hold it in my wallet
Fully self-custodial card
TL;DR - I have one App where I save, make, track and spent money
Solflare Card Review
Pros
- USDC stays in your own Solflare wallet until checkout, so no issuer ever holds a prepaid balance of your money.
- When issuing partner Kulipa collapsed in July 2026, user funds stayed safe because Kulipa never held customer deposits.
- The first program charges no monthly or annual card fee.
- Virtual card issuance is listed as free once KYC clears.
- Mastercard acceptance covers more than 110 million merchant locations for in-store, online, and ATM use.
- Each on-chain USDC debit costs roughly a penny or less in Solana network gas.
- You can freeze or unfreeze the card instantly in the app if a charge looks wrong.
- Google Pay works now, and Apple Pay is promised as a day-one feature of the next issuer program.
Cons
- Cards stopped working entirely on 28 July 2026 after issuer Kulipa wound down, with no advance warning.
- Only USDC on Solana can be spent, so SOL, other SPL tokens, and other chains need a swap first.
- The card is only open to EEA and UK residents aged 18+, with other countries reviewed case by case.
- Non USD purchases carry roughly a 1% FX fee, plus some sites report an extra 0.4% to 0.7% on top.
- Launch rewards were raffle style points toward prizes, not a fixed cashback percent.
- ATM withdrawals can run about 2% after a free allowance, based on third party reviews rather than official terms.
- Card Borrows lets you spend against SOL collateral, which can get liquidated if SOL drops.
- KYC through the issuer is mandatory, and users reported abrupt freezes with little appeal process under the old issuer.
Our verdict
Right now, I would not carry a Solflare Card as my main card. The custody idea is genuinely good: your USDC stays in your own wallet, so when the old issuer Kulipa collapsed on 28 July 2026, users kept their money even as the plastic died at the register. But "kept your money" is not the same as "card that works," and that gap is the whole story here. Even in the old program, the real cost was not the raffle-style rewards, it was the roughly 1% FX fee on non-USD spend, which quietly eats into everyday purchases for most EEA and UK users. I would revisit this once the new issuer is confirmed live in the app with published cashback and fee numbers, not just promised on X. Until then, this is a wallet feature to watch, not a card to plan your groceries around.
Solflare funding
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Founded by Solflare was founded by Vidor Gencel and Filip Dragoslavić, who also built Solana Beach and later developed Solflare as a consumer Solana wallet.
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Early stage VC - Jul 2021 PitchBook lists about $3.4 million raised in an early stage VC event dated 6 July 2021; it does not identify lead investors, but names CMS Holdings, Delphi Digital / Delphi Ventures, and Dominance Ventures among 11 investors.
Is Solflare Card safe & legit?
X account intel @solflare
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Based in United Kingdom
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Joined X May 2020 6 years ago
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Username changes 3 renames last on Apr 17, 2025
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Signup source Web
Public profile signals from X. Use as one input alongside other due-diligence.
Security scan checked Oct 16, 2026
- Google Web Risk Not flagged
- MetaMask Not flagged
- Phantom Not flagged
- ScamSniffer Not flagged
- EtherAddressLookup Not flagged
- Keplr Wallet Not flagged
Domain www.solflare.com checked against Google's lists of unsafe sites and public crypto wallet blacklists.
Solflare Card Updates
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Today we’re launching Claude...
...pre-IPO market.
$ANTHROPIC is now live on Solflare Perps, powered by @PhoenixTrade.
Refresh Solflare and go long or short with up to 6x leverage.
The best mobile experience for @solana perps.1 more in this thread
This is not intended for the US or UK audiences.
- 13 replies
- 9 reposts
- 50 likes
- 4.5K views
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Some of your SOL might be waiting to come back to you.
Solana is unlocking millions of SOL through rent reductions, and we're making sure Solflare users can benefit from every phase.
You can now reclaim eligible SOL directly in your wallet with one tap, without connecting to or paying fees to third-party tools.
With the first two phases live, around 30% of the total expected SOL is already claimable.
As Solana rolls out further rent reductions, your claimable amount automatically updates.
Go to your assets and see how much you can reclaim.
- 40 replies
- 30 reposts
- 199 likes
- 20.6K views
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You’ve got enough things to charge before a flight.
Your hardware wallet doesn’t need to be one of them.- 14 replies
- 3 reposts
- 69 likes
- 7.3K views
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🚨 REMINDER: Our 50,000 USDC xStocks contest ends in 2 days.
All you need to do is join the contest, then buy & hold xStocks on Solflare.1 more in this thread
This is not intended for users in the United Kingdom, United States, Canada, Australia, Nigeria, and sanctioned jurisdictions.
- 14 replies
- 12 reposts
- 78 likes
- 8.4K views
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The price of getting to the top? 👀
Here's how much xStocks the leaderboard's top wallets are currently holding.
The xStocks competition has heated up and entered its final week. Where do you stand?
1 more in this thread
This is not intended for users in the United Kingdom, United States, Canada, Australia, Nigeria, and sanctioned jurisdictions.
- 14 replies
- 12 reposts
- 72 likes
- 9.1K views
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So what just happened is someone opened a pack with a $36,000 Pikachu inside. ⚡️
More precisely, a 2016 Japanese Pikachu-Holo PSA 10, pulled from a Mythical Pack.
Pikachus are calling 💛
1 more in this thread
This is not intended for the UK audiences.
- 46 replies
- 18 reposts
- 126 likes
- 11.3K views
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1 more in this thread
- 1 replies
- 1 reposts
- 7 likes
- 1.6K views
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Still buying xStocks somewhere else? 👀
Here's what you get when you trade them on Solflare:
💛 Starting today, up to 20% extra xPoints when you buy and hold xStocks in Solflare, based on your eligible purchases
💛 0% Solflare trading fees on xStocks
💛 $50,000 prize pool in our xStocks Competition, running until October 16
If you're new to xPoints, it's @xStocksFi rewards program, where you earn points for holding, lending or providing liquidity with xStocks after registering your wallet.
You can also check your xPoints balance and see when your daily spin is ready, directly in Solflare!
The boost runs until December 4. Register on the xStocks points page to start earning.
xPoints are run by xStocks, have no monetary value and availability varies by region. Solana network fees apply.
- 46 replies
- 28 reposts
- 108 likes
- 10.3K views
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full parts list for a Solflare Shield:
1. secure chip
2. antenna
there is no 3. nowhere to hide a 3 either.
and the software can't be changed quietly. every Shield proves cryptographically that it's running untouched code, and to forge that proof you'd have to break the cryptography itself- 30 replies
- 25 reposts
- 116 likes
- 4.7K views
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The recent hardware wallet supply-chain attack have raised a question of how much the design of a hardware wallet contributes to its security.
The reported attack didn't require breaking the secure element. It's a reminder that even when a secure element does its job, other components can introduce vulnerabilities.
When we designed Solflare Shield, we made a deliberate decision: keep the hardware as simple as possible, without compromising its core purpose.
Shield is a card-sized hardware wallet built around a secure element, with only the components necessary to protect private keys and authorize cryptographic operations.
1. Keeping the hardware minimal
Hardware components beyond the secure element can create additional opportunities for attackers, particularly when they introduce new interfaces or communication channels.
Shield has no screen, display interface, battery, Bluetooth, Wi-Fi, or cellular modem. It's a passive NFC card that draws power from your phone during a tap.
This eliminates certain classes of hardware attacks, including the specific display interception mechanism.
2. Separating the wallet experience from key protection
Shield is designed to work with the Solflare app rather than operate as a standalone device. The app handles the interface and prepares transactions, while Shield's EAL6+ secure element performs cryptographic signing internally.
The tradeoff is that your phone acts as the screen. The recovery phrase is shown once in the Solflare app during setup, and transactions are reviewed there before you tap.
After setup, your private key stays on the card and is never stored on your phone or in the Solflare app.
This separation keeps the physical hardware focused on protecting keys and authorizing transactions, without requiring additional components to support the user interface.
3. Reducing supply-chain exposure
Hardware security also depends on what happens between manufacturing and delivery.
Shield is sold exclusively through the official Solflare Shop, without an authorized reseller network or third-party retail distribution.
Additional protections, including cryptographic authenticity verification, safeguards against unauthorized software replacement, and tamper-evident packaging, are designed to reduce the risk of compromised devices reaching users.
These measures reduce certain risks, but no distribution model or security mechanism can completely eliminate the possibility of physical tampering.
Security is a series of design decisions
Sophisticated attacks are a reminder that protecting private keys requires looking at the entire device, its components, and the supply chain behind it.
Different hardware wallets make different design tradeoffs, and no architecture is immune to every threat.
With Shield, we chose to prioritize simplicity, minimize unnecessary components and keep the hardware focused on protecting your keys.
- 47 replies
- 38 reposts
- 200 likes
- 22.1K views
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If anyone’s still wondering what Uptober really means - Solflare and the community shipping nonstop
Catch this week’s update ↓- 39 replies
- 23 reposts
- 101 likes
- 9.4K views
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Trading perps on your phone and not using Solflare?
Maybe this decision tree changes your mind.
Over $1M in Frontier Traders rewards, plus an extra $50K in Solflare-only competition rewards.
All roads lead to Solflare.
- 23 replies
- 14 reposts
- 71 likes
- 8.7K views
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Final day of Startup Village Nigeria: the trading competition final and founder product pitches.
Solana events are the real alphas 🔥🔥🚀🚀- 4 replies
- 8 reposts
- 60 likes
- 1.4K views
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Calendar: Q4
Solflare: so you’re saying there’s still time to ship more stuff?- 41 replies
- 14 reposts
- 90 likes
- 10K views
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How it feels to short crypto over the past few days
- 20 replies
- 10 reposts
- 76 likes
- 2.8K views
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Know what doesn’t make sense these days?
Trading perps on mobile and not doing it on Solflare.
Why?
- Solflare is the ONLY mobile platform where trading perps gives you a shot at $1M+ in Frontier Traders rewards
- There’s another $50K up for grabs in a competition exclusive for Solflare traders ending next week
- You’re trading right from your wallet, on an orderbook
If you’re going to trade perps on your phone anyway, it really makes sense to do it on Solflare.- 23 replies
- 16 reposts
- 97 likes
- 9.6K views
Solflare Card Reviews & Comments
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