Solid Card Expands to 105 Countries Through Wirex Partnership
Solid's self-custody card now reaches 105 countries, up from 49, with Wirex as a new issuer. What changed for availability, spending, cashback, FX and funding.
Solid × Wirex announcement image: "Solid Partners With Wirex, Expands Globally" over a night view of Earth
Solid has expanded its card coverage from 49 to 105 supported countries following a new infrastructure partnership with Wirex, adding 56 markets to its existing footprint.
Solid confirmed the expansion directly to cryptocards.one, including 35 newly added countries across Europe. The rollout significantly broadens access to the Solid Card while keeping its current rewards and pricing structure consistent across supported markets.
Beyond availability, the Wirex rollout also introduces a different spending model for users issued through the Wirex programme. These cardholders do not need to pre-fund a separate card balance: the card draws directly from their Solid balance, including supported stablecoins or yield-bearing soUSD. Existing Rain cardholders retain the separate card-balance flow and are not automatically migrated.
At a glance
- Coverage increases from 49 to 105 countries, by Solid's count
- 56 new markets added
- 35 new European markets
- Non-custodial Solid wallet structure
- Wirex cardholders do not need a separate pre-funded card balance
- Wirex cardholders can spend from yield-bearing soUSD
- Existing Rain cardholders retain their existing card-balance model
- Virtual Visa card
- Apple Pay and Google Pay supported
- Rain or Wirex card programme depending on residence
- Wirex is now the default rail where both programmes are available
What changed?
The main change is geographic availability.
Before the Wirex rollout, the Solid Card was available across 49 countries. That has now increased to 105 supported countries, representing 56 net-new markets.
Europe accounts for the largest part of the expansion, with 35 countries added. Solid now lists card availability across the UK, all EU and EEA member states, as well as supported markets across Latin America, the Caribbean, Africa, Asia, the Middle East and Oceania. The card is also available in more than 30 U.S. states.
Solid's help centre currently lists:
- Europe and the UK: every EU and EEA member state, plus the United Kingdom, Switzerland, Andorra, Moldova, Ukraine, Gibraltar, Guernsey, Jersey and the Isle of Man
- Latin America: 19 countries, now including Chile
- Caribbean: 10 countries
- Africa: 10 countries, now including Nigeria
- Asia: 17 countries, newly including Azerbaijan, Georgia, Indonesia, Kazakhstan, Macao, South Korea, Taiwan, Uzbekistan and Vietnam
- Middle East: Bahrain, Israel, Oman, Saudi Arabia, Turkey and the United Arab Emirates
- Oceania: Australia and New Zealand
- United States: more than 30 states
The card cannot be issued to residents of Belarus, China, Cuba, India, Iran, Iraq, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria or Venezuela.
Availability still depends on residence, identity verification and programme eligibility, so inclusion on the supported-country list does not guarantee approval.
Solid maintains the full current country and state list in its Help Center, and our Card Finder filters every card by the country you live in.
How Wirex fits into the Solid Card
Solid currently works with two card programme partners, Rain and Wirex.
Which programme a user receives depends on their country of residence. Solid confirmed to cryptocards.one that where both programmes are available, Wirex is now the default rail for new cardholders.
Existing Rain cardholders are not being migrated automatically. As a result, users in the same country may sometimes remain on different card programmes depending on when their card was issued.
According to Solid, the Wirex integration provides the licensing and issuing infrastructure needed to support the expanded card programme, particularly across Europe.
Solid remains the product users interact with. The app, wallet, savings experience and customer support remain with Solid, while Solid itself is not the card issuer.
No separate card balance for Wirex users
For users issued through Wirex, the Solid Card does not require money to be transferred into a separate pre-funded card balance.
The wallet and card draw from the same Solid balance. Users can choose to spend supported stablecoins they have deposited or soUSD, Solid's yield-bearing savings asset.
When spending from soUSD, funds can continue earning yield until the point of card authorisation rather than being moved in advance into a separate non-yielding card balance.
This model applies to Wirex cardholders. Existing Rain cardholders retain the separate card-balance flow and are not being automatically migrated to the Wirex programme.
The yield associated with soUSD comes from underlying DeFi strategies and can vary. It should not be treated as a guaranteed bank deposit rate.
Non-custodial by design
Solid describes its underlying wallet as non-custodial, meaning users retain control of the assets held in their Solid wallet.
For users on the Wirex card programme, funds remain in that Solid balance until they are required for a card transaction, rather than being transferred in advance into a separate card balance.
Existing Rain cardholders follow the separate card-balance flow described by Solid for that programme.
For comparison purposes, this distinction matters because the Wirex rollout changes not only where the Solid Card is available, but also how newly issued Wirex cards access the user's funds. Our guide to custodial and self-custody cards explains why that difference matters.
Rewards remain consistent across markets
Solid confirmed to cryptocards.one that its cashback structure does not vary by country.
Current cashback on eligible purchases is:
- Core: 3%, capped at $50 per month
- Prime: 4%, capped at $100 per month
- Ultra: 5%, capped at $200 per month
Core is the base tier and does not require a paid subscription or minimum balance.
Prime and Ultra require users to progress through Solid Rewards or unlock the tier through FUSE staking. Under the current structure, Prime requires 5,000,000 points or 50,000 FUSE staked, while Ultra requires 35,000,000 points or 400,000 FUSE staked. Staked FUSE used to unlock a tier is subject to a 30-day cooldown when unstaking.
Points build fastest from money held in Savings, which earns 1 point per $1 every hour, so holding $5,000 reaches Prime in about six weeks without locking anything.
Prime and Ultra also earn 25% and 50% back on eligible AI, streaming and music subscriptions, which counts toward the same monthly cap.
Solid confirmed that cashback is paid after eligible transactions settle. Under the current programme, rewards are credited 14 days after settlement.
Cashback is paid in USDC into the user's Savings balance and automatically converted into soUSD, where it begins earning yield.
How does FX work?
The FX structure is also consistent across supported markets. Purchases settled in US dollars carry no FX fee.
For non-USD card spending, the underlying card programme provider applies a 1% FX component through the exchange rate. It is incorporated into the rate applied to the transaction rather than displayed as a separate line-item fee.
Solid then applies its own tier-based FX margin:
- Core: 1%
- Prime: 0.5%
- Ultra: 0%
The resulting total FX cost is therefore:
- Core: 2%
- Prime: 1.5%
- Ultra: 1%
This distinction matters because "0% Solid FX" on Ultra does not mean zero total currency-conversion cost. The underlying 1% provider component remains incorporated into the exchange rate.
On eligible spending within the monthly cashback limits, the headline cashback rate at every current tier is higher than the stated total FX cost. However, cashback eligibility and monthly caps still need to be considered when calculating the actual value of a transaction: once a cap is reached, the FX cost continues and the cashback stops.
For users comparing cards for travel or foreign-currency spending, total conversion cost is therefore more useful than looking only at the headline Solid FX margin. Our fees table shows the FX cost of every card we track.
How users can fund Solid
Solid supports several ways of bringing funds into the platform.
Users can deposit crypto directly, free at every tier, while fiat on-ramps are available in 16+ countries. Solid also supports local-currency deposit routes across 16 currencies, including the euro, with availability varying by market.
Bank deposits are free at Ultra but carry a fee of 0.5% at Core and 0.25% at Prime. The same tiered fee applies to swaps and buying crypto in the app.
In eligible markets, users can also receive funds through personal virtual account details using banking rails such as ACH or SWIFT. Incoming funds are converted into stablecoins on receipt.
Virtual Accounts are currently receive-only and are not available in every market, so users should check the options available for their country inside the Solid app.
Virtual card with mobile wallet support
The Solid Card remains virtual-only for now, with no physical card currently offered, and so no ATM access.
The virtual Visa card supports Apple Pay and Google Pay, allowing users to make mobile payments without needing a physical card. It is issued on Visa's Platinum tier, which includes Visa's purchase protection, extended warranty and car rental insurance.
Why this expansion matters
Geographic availability remains one of the biggest practical constraints in the crypto-card market.
Rewards, custody, fees and funding options only matter if a user can actually access the product where they live.
Moving from 49 to 105 supported countries therefore materially increases Solid's potential addressable market, particularly across Europe.
But availability is only part of the story.
For users issued through Wirex, Solid's more distinctive proposition is the combination of self-custody, stablecoin spending and yield-bearing savings without requiring a separate pre-funded card balance.
The Wirex rollout makes that model available to substantially more users without, according to Solid, introducing different rewards or pricing by country.
For users comparing Solid with other crypto cards, the most relevant questions are now likely to be:
- Is Solid available where I live?
- Do I prefer a non-custodial spending model?
- Would I use the yield-bearing soUSD balance?
- How do the cashback rates and caps compare with alternatives?
- What is my actual FX cost?
- Do I need a physical card?
- Which funding methods are available in my country?
Separate referral programme update
Solid also recently updated its referral programme, on 8 September 2026, in a change separate from the Wirex rollout.
The referral reward increased from $15 to $25 for both the referrer and the referred user, with rewards now paid in FUSE rather than USDC.
To qualify, the referred user must activate their card and complete $150 in card spending across at least three different merchants within 30 days of signup.
Solid says referral rewards are paid 30 days after qualification. FUSE is a crypto asset, so its value can change after it is paid.
Referrals accrued before the change are unaffected and remain subject to the previous terms, including payment in USDC.
What to watch next
Solid has confirmed that further work on its tier system is underway, but no changes have yet been finalised.
They told cryptocards.one they will provide updated information once the revised structure is confirmed, and we'll update our Solid Card review when they do.
For now, the Wirex rollout is primarily a major availability expansion: 56 additional markets, a significantly larger European footprint and the same current published card economics across the new regions.
Users can compare the Solid Card with other crypto cards available in their country on cryptocards.one: see the full Solid Card review, compare it side by side with KAST or Rizon, or browse every self-custody card.
Source note: This article is based on Solid's September 2026 Wirex rollout announcement, current Solid product and availability documentation, including [Where the Solid Card is available](https://support.solid.xyz/en/articles/12899017-where-the-solid-card-is-available), [Card fees & limits](https://support.solid.xyz/en/articles/12898984-card-fees-limits) and [How does Solid Rewards work?](https://support.solid.xyz/en/articles/15587319-how-does-solid-rewards-work) (checked 18 September 2026), and information confirmed directly to cryptocards.one by the Solid team.
Common questions
Which countries can get the Solid Card?
Solid says the card is available in 105 countries, including the UK, every EU and EEA member state, Switzerland, much of Latin America, the Caribbean, Africa, Asia and the Middle East, Australia, New Zealand and more than 30 US states. It cannot be issued to residents of Belarus, China, Cuba, India, Iran, Iraq, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria or Venezuela. Approval still depends on identity checks and eligibility.
How much does the Solid Card charge for foreign currency?
Purchases settled in US dollars are free. On other currencies the total cost is 2% at Core, 1.5% at Prime and 1% at Ultra: a 1% fee from the card provider, built into the exchange rate, plus Solid's own fee of 1%, 0.5% or 0% depending on tier.
Do I need to top up a separate card balance?
It depends on which partner issued your card. Solid told cryptocards.one that cards issued through Wirex spend directly from your Solid balance, including yield-bearing soUSD. Existing cards issued through Rain keep the separate card balance you top up, and are not being moved to Wirex automatically.
Can I reach a higher Solid tier without staking FUSE?
Yes. Prime needs 5,000,000 Solid Rewards points, and money held in Savings earns 1 point per $1 every hour, so holding $5,000 gets there in about six weeks without locking anything. Staking 50,000 FUSE unlocks Prime instantly, but unstaking has a 30-day cooldown.
Cards mentioned in this article
Card figures referenced here come from each issuer's published terms and each card page shows when its data was last verified — see our methodology for how, and the changelog for what has changed since. Rewards and availability vary by region and move often. Not financial advice.