Solflare pulled its cards and never brought them back

Updated October 2026

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Available in US

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Solflare is one of those names that looks familiar if you have spent any time in crypto wallets: a Solana-based self-custody wallet app that used to hand out a payment card spending straight from the coins sitting in your own wallet. That card is not available any more. Cards were paused on 28 July 2026 after the issuer behind them wound down, and as of the latest information I could find, no relaunch has been confirmed. If you came here to apply, save yourself the trip. If you came because you read something about getting a card and want to know whether it still exists, it does not, at least not in any form you can sign up for. My score for the programme as it stands today is 3.2 out of 10, and I will explain exactly why below, criterion by criterion, so you can weigh it for yourself rather than take my word for it.

The conditions described on this page are current as of October 28, 2026.

That said, “the card is gone” is not the end of the story. There are two groups of readers this page serves, and both matter. First, if you were one of the people holding a Solflare card, you need to know what happened to your money and whether there is anything to do about it. Second, if you were hoping Solflare would be your route to spending crypto, you need to know what it was supposed to do well and where the alternatives actually stand today. I cover both in detail.

The short version: my score, and who this suits

Let me be direct about the scoring first, because a score without its reasons is just a number on a page. Here is how the programme breaks down against the criteria I use for every card I review:

The pattern is clear. Solflare was not a bad card design — the idea of a card that spends USDC straight out of a self-custody Solana wallet, with no card balance to manage, is genuinely elegant. The problem is not the concept; it is that the concept depended on an issuer partnership that fell apart. A reliability mark of 2 out of 10 and an availability mark of 0 out of 10 mean that no amount of enthusiasm for the underlying idea changes the fact that you cannot get this card today.

So who does this card suit? Almost nobody, right now. The audience that this review is written for is Solflare wallet holders waiting for the card relaunch — people who already have funds in the app and are waiting to see whether a new card arrives. For them, the review is a status update, not a purchase recommendation. If you are not already inside the Solflare ecosystem, reading this page will save you from setting an alert for a relaunch that has no date. And if you are looking for a crypto card you can actually open this month, skip to the alternatives section — I compare the live options honestly, including their real fees.

What actually happened to the programme

This is the part most write-ups get wrong, so I want to reconstruct the timeline carefully from what the card’s own pages and public reporting show, because “the company went bust” is a much bigger and scarier claim than what actually occurred.

The Solflare site still describes the product as a self-custody Mastercard that deducts USDC from your wallet at the moment of checkout, working at “100M+ merchants.” That marketing is still there. But underneath the marketing is a programme that has been on hold since 28 July 2026. Here is the sequence:

• On 28 July 2026, Solflare paused both virtual and physical cards. The stated reason was that the issuer, Kulipa, wound down its operations. A Solflare co-founder publicly cited solvency issues at Kulipa as the cause.
• Alongside the pause, any subscription auto-renewals tied to the card stopped. Open Borrow positions stayed accessible, in the Cards tab.
• A pause notice promised a replacement card “in August” 2026, and said the new card would bring Apple Pay and Google Pay, higher limits and cashback back.
• As of the roadmap seen in late August 2026, the relaunch was still a future item, not a launched thing.
• By 20 October 2026, no relaunch had appeared anywhere I could find.

So the promised replacement, which was pencilled in for the month right after the pause, never arrived. That is the single most important fact on this page. Anyone who read the August promise and is still holding their breath should understand that four months have passed and the card still does not exist.

There is a smaller detail worth knowing, because it explains why the card page still looks so convincing. Existing Solflare cards do not carry over to a replacement card. So even if the relaunch happens, it is not automatic continuity for current holders — they will need to go through the new process again. And a third-party report noted that re-enrolling with a fresh round of KYC is “likely” for the replacement card, because a new issuer means a new compliance relationship.

One more wrinkle: the solflare.com pages, at least the ones I could read, still show the old “Get Solflare Card” marketing without an obvious pause notice. That is a small trap. If you land on the official site from a search result, it can read as though the card is available. It is not. The pause is real even where the landing page has not caught up.

If you already hold the card

If you already had a Solflare card before 28 July 2026, here is the good news, and it is genuinely good news. Your money is not on the card and it never was.

Solflare is a self-custody setup. Your funds stay in your own wallet under your own control, not in some issuer’s balance sheet. That means when the issuer went down, your crypto did not go with it. There is no card balance to drain, no claim to file, no administrator to wait on. The card simply stopped working as a card, and your wallet kept being a wallet.

The pause notice put it bluntly: “There is nothing you need to do.” That is the correct instruction, and I have no reason to soften it. Specifically:

• There is no card balance to withdraw, because no card balance ever existed.
• Your funds remain in your self-custodial wallet, where they always were.
• Your open Borrow positions stay accessible in the Cards tab.
• Auto-renewing subscriptions tied to the card have stopped.
• Your wallet, staking and swaps are unaffected — only the card stopped.

This is exactly the risk that self-custody design is supposed to protect you from, and for once the protection worked as advertised. An issuer failing is an inconvenience; losing your savings would have been a catastrophe. The distinction is the whole argument for keys in your own hands.

Support, if you need it, is described as a “24/7 human support team” reachable by message in the app. I would use that channel rather than email for anything about your wallet, because the pause notice and the help center both point to in-app messaging. I should note what I could not verify: the help center appears to contain a single card article about the pause, and the card’s dispute process is not stated, since the programme is paused. So if you have a transaction you need to query, ask through the app early — the picture there is thin, and a named human is the best route.

What can go wrong

Even with your money safe, being realistic about risk means looking at several angles at once.

The relaunch risk. The most obvious one. The card was paused, a replacement was promised for August 2026, and it did not materialise by October 2026. If you are waiting for it, you are waiting on an announcement with no date and a track record of one missed deadline. That is what a reliability mark of 2 out of 10 is describing.

The company and licensing picture. The site footer names Solrise Finance Ltd, registered in Tortola, British Virgin Islands. Marketing may be handled by an affiliate, Blockadopt d.o.o., based in Zagreb, Croatia. The card issuer is not named on the official pages — third parties name Kulipa as the issuer that wound down, and no new partner has been named publicly. Licences are not stated on the pages I read. For a regulated payment product, “licences not stated” is not a small gap. If you are the kind of person who checks whether an issuer is licensed, you will find that question unanswered here, and you should weigh that accordingly.

The fee fog. Official fees are not stated, and the unofficial picture is genuinely contradictory. One review source says the annual fee is free and lists a 1% service fee, an FX fee of 0.7% in its table but 0.40%–0.70% for the UK and EEA in its text, and a 2% ATM fee. Another source lists FX at 1%, and Solflare’s own help article is described as stating a fixed 1% FX fee. A third lists FX at 0.55%. When the sources disagree about whether FX is 0.55%, 0.7%, or 1%, you cannot build a budget on any of them. Treat unofficial fees as a rough sketch, not a quote.

The limits and ATM picture. Spending limits are not stated. The pause notice says higher limits return with the new card — a promise, not a current fact. On ATM withdrawals, one source says a 2% fee, another lists free ATM withdrawals, and the review page itself says to confirm in the app. On limits, one site shows daily, monthly and ATM limits as unlimited; another says no limits have been published. Again: contradictory, unofficial, and not something to plan around.

Wallet-level complaints. I want to be careful to separate these from card problems, because there are no card-specific complaints I could find. The wallet itself carries a Trustpilot score of 3.9 out of 5 from 66 reviews, per Coin Bureau, on a page I did not read live. About 45% of those reviews are critical, citing lost funds, failed transactions and suspicious token approvals. Those are wallet complaints, not card complaints. They belong in your head only if you are deciding whether to keep assets in the wallet itself, which is a separate question from whether you want a card.

The counterweight: what is actually protected. Self-custody means you hold the keys. The official page names biometric protection, 3-D Secure authentication, partner fraud defences and instant spending notifications. Insurance is not stated. Because the funds never left your wallet, the issuer collapse could not touch them — and that design is the strongest security feature here, even as the card programme around it stalled.

I want to say clearly what I could not find: documents, proof of address and age requirements for the KYC flow are not stated, despite KYC verification in the app being described as instant. Gambling and merchant-category blocks are not stated. Delivery times and fees for a physical card are not stated. These gaps are all downstream of the same fact — the programme is paused, so most of the fine print went quiet with it.

What to take instead

If you want a crypto card you can actually use, the honest comparison is not “Solflare vs nothing.” There are three live options, and each makes different trade-offs. Here they are.

RedotPay — 6.9 / 10

The most broadly usable of the three, and the one with the clearest published numbers. RedotPay offers virtual and physical cards on Visa (a USD card with a USD BIN, and an HKD card with an HKB BIN). Eligibility is handled through two official lists that word the rule differently, which is worth reading closely. The KYC list says citizens of the listed countries cannot complete verification or use the services, and the restrictions are based on local regulations and sanctions rather than on individuals. The card-issuance list, dated 28 August 2026 and covering 47 places, adds India, Indonesia, Morocco, Nepal, Singapore and Turkey as places where residents cannot get either card and cannot use it as a billing address. Russia, Belarus, Ukraine and Serbia appear on both lists; Georgia, Armenia, Kazakhstan and the UAE appear on neither.

The costs are published and specific. Virtual card application is 10.00 USD; physical card application is 100.00 USD and is not cancellable or refundable once paid; a virtual replacement is 5.00 USD the first time and 10.00 USD each time after. Account maintenance is waived — no monthly or annual fee, no inactivity fee mentioned. There is a paid tier, RedotPay Pro, at 12.90 USD monthly or 129.00 USD annual. The transaction fee is 1.00% as the crypto conversion fee; a default-currency transaction is waived and a non-default currency costs 1.20%. Small authorisations of 1.00 USD or less: the first five per card per month are waived, then 0.2 USD. Declined transactions: first three per month waived, then 0.5 USD. A handful of merchants carry a 1.5% fee (minimum 0.50 USD), first three per month waived — the list includes Gulf Health Counsel, Free Fire, PUBG Mobile, Brawl Stars, eFootball, Facebook Ads and Discord. The fee table has been effective since 1 December 2025. Funding is by on-chain crypto deposit, or buying crypto with a credit card in the app (ETH, USDC, USDT, depending on region); a USDT-TRC20 deposit has a 1 USDT minimum after network fees, each asset is accepted only on the networks shown on the Deposit page, and RedotPay may change those networks. The deposit fee to card balance is free. There is a 5 USD welcome reward, usable only on spending and valid for 30 days — and note it cannot be used toward the issuance fee. Points & Rewards and RedotPay Pro are separate programmes; no card cashback rate is stated.

Bybit Card — 6.0 / 10

Geographically the most restricted of the three, but the richest on rewards. The regions listed in the official help center are Argentina, AIFC (Kazakhstan), Georgia, Kazakhstan, Australia, Mexico, Brazil, Peru and Asia Pacific. The cards page is blunt about Europe: “This product is not meant for European Economic Area customers. All European Economic Area customer participation is strictly prohibited.” The application asks for your country of residence; if it is unsupported, Bybit will register your interest. Bybit’s restricted list for its fiat services — deposits, withdrawals and One-Click Buy, not the card as such — includes Belarus, the Russian Federation, Serbia, China and the United States, with Russian users able to make only RUB fiat transactions. There is no card-specific statement on Russian or Belarusian citizens, and no citizenship-versus-residence rule was found; the card currency depends on the country of your Advanced Identity Verification.

Cards are virtual and physical, with a virtual card obtained first, no physical card in Peru, and the rollout described as phased. Networks vary by region: Mastercard prepaid in Argentina; Mastercard credit card, as written, in AIFC, Georgia, Kazakhstan, Australia and Mexico; Visa prepaid in Brazil and Peru; Visa credit in Asia Pacific. Card fiat currencies: USD for AIFC, Georgia, Kazakhstan, Australia and Asia Pacific; ARS for Argentina; MXN for Mexico; BRL for Brazil; PEN or USD for Peru. Validity runs 3 years in AIFC, Georgia, Kazakhstan, Asia Pacific and Australia, 6 years in Argentina, and 5 years in Brazil, Mexico and Peru.

Cost: virtual card issuance is free in all regions “until further notice.” Physical issuance or replacement is 29.99 USD in Australia, 5 USD/USDT in Argentina, 29.99 USDT in Georgia, 29.99 USDT in Kazakhstan (AIFC), 5 USDT in Asia Pacific, and free in Brazil and Mexico. VIPs holding an Australia, Kazakhstan (AIFC), Georgia or Asia Pacific physical card pay no issuance or replacement fee. The cards page advertises “Auto interest, no annual fees.” The crypto conversion fee is 0.9% over the One-Click Sell rate in Australia, Asia Pacific, Georgia, Kazakhstan, Brazil and Mexico, 0.5% in Argentina, and Peru is not supported. FX fees vary sharply: 2% on top of the network rate in Australia, Asia Pacific, Georgia and Mexico; 2% “International Fee” in Kazakhstan (AIFC) on purchases outside Kazakhstan even in USD; 7% in Argentina; 1.5% in Brazil; 1% in Peru. FX padding is 0% in the Australia group and Mexico, 5% in Argentina, 1% in Brazil, with the excess refunded. Argentina adds VAT of 21% on foreign digital services, 30% tax on foreign transactions and provincial gross-income tax of 1%–13.2%.

Funding: the card has no balance of its own. It draws on the Funding Account and the Flexible Easy Earn balance, fiat first; if fiat is insufficient, crypto is sold at the Bybit One-Click Sell rate plus the card conversion fee. Supported cryptos are BTC, ETH, XRP, USDT, USDC and GRAM, with a default priority of USDT, USDC, GRAM, BTC, ETH, XRP that you can reorder in the Card Dashboard.

The rewards here are the standout, but read the condition. From 5 October 2026 at 10:00 UTC, only crypto-funded transactions earn points or cashback; fiat-funded spending does not. The tiers are Base 2.00% with a 5 USD monthly cap, Beta 2% capped at 50 USD and unlocked at 500 USD spend, Alpha 4% capped at 150 USD at 3,500 USD, Apex 6% capped at 250 USD at 9,500 USD, Omega 8% capped at 400 USD at 12,500 USD, and Infinite 10% capped at 600 USD at 25,000 USD. Points pend for four calendar days; cashback in USDT equals points times 0.002; Auto Cashback must be on. Pay Later instalment bonus adds 1%. There is a welcome offer of 10% cashback up to 110 USDT in the first 30 days, 100% cashback on certain subscriptions for VIPs and Alpha and above, and a referral of 20 USDT or 10 USDT.

MetaMask — 7.1 / 10

The highest-scoring of the three, and the one with the cleanest cost story, but it comes with its own constraints. Sign-up is open in 45 listed countries and territories — examples include Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain and Uruguay — while other regions join a waitlist. Proof of residency is required. The site notes that ineligible regions limit sign-ups, not spending. No citizenship rule is stated. US and UK sign-ups are temporarily closed per the FAQ.

The card is a Mastercard. You get a virtual card first, instantly, and a Metal card can be pre-ordered in the app after the virtual card is approved, one card per user. The issuer is Monovate and the card provider is Crypto Life. Card currency is not stated. The virtual card is free with no annual or maintenance fee; Metal is $199 per year. Fees are described as a “minimal fee for each transaction” with the amount not stated on the pages read (a fee table is linked), and “no additional MetaMask fees”; there is no foreign transaction fee, and the Mastercard rate is used.

Funding is direct from the connected wallet. Networks: Linea, Base, Monad and Solana. Tokens named include mUSD, wETH, EURe, GBPe, USDC and USDT — the page says nine in total. One constraint to know: Solana-only wallets cannot withdraw credit. Rewards are paid as cashback in mUSD into the Money Account — 1% on the virtual card; on Metal the headline is 3%, but the footnote limits 3% to the first $10,000 spent and then 1%. There is also an FLY bonus multiplier, 5X on virtual and 7X on Metal, via the Blackbird dining app.

Putting the three side by side

My read: if you are in one of RedotPay’s listed places and want the broadest coverage with fees you can actually read, RedotPay is the pragmatic pick. If you are in a Bybit region, spend primarily in crypto, and care about rewards, Bybit’s tier structure is hard to argue with once you clear the higher unlock thresholds. If you are in MetaMask’s 45 territories and want a free virtual card that spends straight from your wallet, MetaMask is the one I would look at first — and note it does not depend on your holding your funds with the card company.

None of these three is a Solflare replacement in spirit. Solflare’s idea — USDC out of a Solana wallet, no card balance at all — remains appealing. What changed is that the company around it did not hold together. If you go with one of the three above, you are choosing a live programme with published terms over a waitlist with none.

Who I would recommend it to

Let me split this by who you are, because “should you use this card” has genuinely different answers depending on where you are standing.

If you are already a Solflare wallet holder with funds in the app: your money is fine, your wallet is fine, and there is nothing to do. Keep the wallet if you like it, keep the staking and swaps, and treat the card as temporarily gone rather than lost. If a replacement card appears, go in knowing three things: existing cards do not carry over, a new KYC round is likely, and the fees will be whatever the new issuer sets rather than the unofficial numbers floating around now.

If you want a Solflare card specifically: wait, but wait sceptically. The August relaunch was promised and did not happen by October. Watch for a named new issuer, published fees, and a live sign-up — not another “coming soon.” Until those three things exist together, there is nothing to act on.

If you want a crypto card in general and you are not attached to Solana: pick from the live three above based on where you live and how you spend. RedotPay for reach and published costs, Bybit for rewards if you are in a supported region, MetaMask for a free self-custody virtual card where it is open. I have laid out their real fees and restrictions so you can choose with open eyes.

If you are somewhere Solflare or these cards do not serve: the honest answer is that most of this category is built around specific licensing footprints, and your country may simply not be on the list. I am not going to suggest a workaround — country rules and sanctions screening exist for reasons, and routing around them is not something I will help with.

What I would not do: sign up for a relaunch based on a promise with no date, or move funds anywhere based on unofficial fee numbers that three sources read differently. If a card is being offered on those terms, the terms are not settled enough to trust.

Frequently asked questions

What is Solflare card?

Solflare is a self-custody crypto wallet app, and it used to bundle a payment card that spent USDC directly out of your Solana wallet at the moment of purchase, with no separate card balance to manage. The site described it as a self-custody Mastercard working at “100M+ merchants.” That card is currently paused — see the section on what happened — so today Solflare is best understood as a wallet first, with a card programme that is not in service.

How does Solflare card work?

The idea was that the card would deduct USDC from your Solana wallet at checkout, so there was no load step and no balance held by an issuer. Google Pay worked with the card; Apple Pay was listed as “coming soon” and tied to the relaunch. Because cards have been paused since 28 July 2026, none of this can be tested right now, and the mechanics of a replacement card may differ from what the old pages describe.

Is Solflare a bank?

No. Solflare does not present itself as a bank. The site footer names Solrise Finance Ltd in Tortola, British Virgin Islands, with marketing possibly handled by an affiliate, Blockadopt d.o.o. in Zagreb, Croatia. The card issuer was not named on the official pages, and licences are not stated. That is why I say clearly here: if you need to know who holds your funds and under what licence, the public pages do not tell you.

Why were Solflare cards paused?

Cards were paused on 28 July 2026 after the issuer, Kulipa, wound down its operations; a Solflare co-founder cited solvency issues at Kulipa as the reason. A replacement card was promised “in August” 2026 with Apple Pay and Google Pay, higher limits and cashback, but as of 20 October 2026 no relaunch had been confirmed. The pause notice also stopped auto-renewing subscriptions tied to the card.

Is Solflare card safe for my money?

Your crypto is, because Solflare is self-custody: funds stay in your own wallet and never sat on the card or with the issuer. That is why the issuer’s failure did not touch your balance, and the pause notice says there is nothing you need to do. The card programme itself is a different question — fees, limits and licence details are unstated or contradictory, and the wallet carries its own complaints. Self-custody means you also own key-loss and phishing risk.

How much does the Solflare card cost?

Officially, nothing is stated, which is itself the answer. Unofficial sources disagree: one says the annual fee is free with a 1% service fee, FX of 0.7% and 2% at the ATM; another lists FX at 1%; Solflare’s help article is described as a fixed 1% FX fee; a third says 0.55%. Treat these as a sketch, not a quote, and confirm in the app if the card ever returns.

Can I still use my Solflare card?

No. Existing cards stopped working on 28 July 2026, and existing cards do not carry over to a replacement. Open Borrow positions remain accessible in the Cards tab, and your wallet, staking and swaps are unaffected. There is no card balance to withdraw because no card balance existed — your funds were always in your own self-custody wallet.

How do I top up or withdraw from Solflare?

There is no card top-up step to understand: the card was designed to spend USDC straight from the Solana wallet rather than from a loaded balance. And there is no withdrawal, because there is no card balance — your money stays in your self-custodial wallet. Support is described as a 24/7 human team reachable by message in the app, which is where I would take any wallet question.

Is Solflare a bank — and who owns it?

To be clear, it is not a bank. The footer names Solrise Finance Ltd, registered in Tortola in the British Virgin Islands, and marketing may be handled by an affiliate, Blockadopt d.o.o. The card issuer was not named officially; third parties identify Kulipa as the issuer that closed. Ownership and licensing details beyond that are not stated on the pages I could read.

What should I use instead of Solflare?

Depending on where you live: RedotPay for the widest reach and clearly published fees, if your country is on its list; Bybit Card for strong cashback tiers, if you are in a listed region and pay in crypto; MetaMask for a free virtual Mastercard that spends from your own wallet, where sign-up is open. All three are live programmes with published terms — a meaningful step up from a relaunch with no date.

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