Image: Solid (Fuse)
Image: ether.fiSolid vs ether.fi Cash
Quick answer
Both pay 3% back on a free, self-custody tier. ether.fi Cash pays on up to $2,000 a month ($60 of cashback) and offers a $60 physical card and a borrow mode. Solid caps its 3% at $50 a month (about $1,667 of spending), is virtual only with no ATM access, and makes USD spending completely free. Both charge about 1.5% on other currencies.
Solid and ether.fi Cash compared
| Solid | ether.fi Cash | |
|---|---|---|
| Our score | 7.9/10 | 7.8/10 |
| Best for | Stablecoin savers who want high cashback on everyday spending and yield on what they don't spend. | Crypto holders who want strong cashback and would rather borrow against ETH or other assets than sell them. |
| Cashback | 3% to 5% in USDC | 3% to 4% back |
| Card cost | Free | Core: 1 free virtual card, physical card $60 including shipping. Luxe and up: 1 free physical card. |
| Annual fee | Core free. Prime $199 a year or a 12-month lock of 70,000 FUSE. Ultra needs a 12-month lock of 600,000 FUSE. | Core free. Luxe $199 a year (or qualify by deposits, staking or points). Pinnacle $999 a year (or qualify). VIP by invitation. |
| FX | 1.5% on non-USD purchases at every tier (1% card provider plus 0.5% Solid), built into the rate. Cross-border fees are covered by Solid. | About 1% base FX rate plus margin: up to 0.5% on Core, up to 0.25% on Luxe, no added margin on Pinnacle and VIP |
| Conversion | None. Top-ups and USD spending are free. | No separate conversion fee listed |
| ATM | Not available | ATM withdrawals on all tiers. Free ATM withdrawals on Pinnacle and VIP (trackers list 10 a month). Limit $500 per withdrawal, 3 per rolling 24 hours. |
| Custody | Self-custody smart wallet. Card spending runs through the issuer partner. | Self-custody (you keep control of your assets) |
| Network | Visa | Visa |
| Top up with | USDC or USDT to your Solid wallet on Fuse, Ethereum, Base and other listed networks; EURC on Base for the euro balance on Wirex cards; ACH or wire into a USD virtual account where eligible | Fund from the assets you hold in your ether.fi account; Borrow against your portfolio instead of selling it |
| Withdraw by | Move funds back to your wallet and send USDC on supported networks | Move assets back out to any wallet, since you keep custody; ATM cash withdrawals |
| Where it works | 105 countries, including more than 30 US states. KYC approval and local restrictions apply. | Trackers list about 85 supported countries, including the UAE, Argentina, Australia and much of Europe. ether.fi says availability varies by region. |
| Last checked | 17 October 2026 | 15 October 2026 |
Which one should you pick?
If you need a physical card or ATM cash, ether.fi Cash is the only choice here. If you spend under $1,700 a month online and with Apple Pay or Google Pay, Solid gives the same 3% with no fees at all on dollar purchases and works in 105 countries, including much of the US. Plenty of people use both: Solid for daily spending up to its cap, ether.fi for the rest.
Frequently asked questions
Which is cheaper abroad, Solid or ether.fi Cash?
On the entry tier, ether.fi Cash has the lower FX markup. Solid: 1.5% on non-USD purchases at every tier (1% card provider plus 0.5% Solid), built into the rate. Cross-border fees are covered by Solid.. ether.fi Cash: About 1% base FX rate plus margin: up to 0.5% on Core, up to 0.25% on Luxe, no added margin on Pinnacle and VIP.
Which pays more cashback, Solid or ether.fi Cash?
Solid has the higher top rate. Solid: 3% to 5% in USDC. ether.fi Cash: 3% to 4% back. Check caps and requirements on each review.
Are Solid and ether.fi Cash self-custody?
Solid: Self-custody smart wallet. Card spending runs through the issuer partner.. ether.fi Cash: Self-custody (you keep control of your assets).