Solid is a stablecoin finance app from the Fuse team, with a self-custody wallet, savings account and Visa virtual card. The virtual card is free, and purchase rewards are paid in USDC. To compare it with other cards, see the U card comparison. Fees and risks are outlined below in What to know before applying.
What is Solid? Company background
Solid was built by the Fuse team as its flagship consumer app. Launched in 2025, it is positioned as a non-custodial digital bank built on the Fuse chain. Solid is operated by Fuse Network Ltd, while the App Store publisher is Solid Superapp LLC, based in Wyoming, United States.
Solid is not the card issuer. Bridge issued the first card in 2025. Solid announced a partnership with Rain in April 2026 (Rain is a principal member of Visa), then added Wirex in September 2026 (Wirex has operated a card business since 2015). The system now assigns either Rain or Wirex based on your country of residence; you cannot choose. Solid continues to operate the app, wallet, savings and customer support.
The card is Visa Platinum. Assets stay in your own non-custodial wallet, and the card spends only from your Spendable balance; it does not directly access Wallet or Savings.
Solid rewards: Core, Prime and Ultra
Solid has three tiers. Core is the free default for all members; Prime and Ultra require a subscription fee or locking FUSE tokens. The reward rates and monthly caps are below. The cap includes base rewards and category rewards combined.
| Item | Core | Prime | Ultra |
|---|---|---|---|
| How to qualify | Free, default | Subscribe for $199/year or lock 70,000 FUSE for 12 months | Lock 600,000 FUSE for 12 months |
| Base reward rate | 3% | 4% | 5% |
| Monthly rewards cap | $50 | $100 | $200 |
| AI, streaming and music category rewards | — | 10% | 20% |
| Ride-hailing category rewards | — | 8% | 10% |
| Flight category rewards (book directly with the airline) | — | — | 10% |
| Swap fee | 0.5% | 0.25% | Free |
Category rewards apply only at specified merchants and require direct card payment. They replace the base reward rate and count toward the monthly cap. Purchases charged through PayPal, Google Play or the App Store earn only the base rate. The Prime subscription fee is automatically deducted from your Solid balance and renews automatically at the end of the term. It is non-refundable, except where required by law. Locked FUSE cannot be withdrawn, transferred, exchanged for another currency or spent during the 12-month lockup.
Rewards are paid in USDC about 14 days after a purchase settles, then automatically converted to soUSD in Savings (USDC that earns yield). Purchases involving ATMs or cash-like transactions, transfers, wallet top-ups, cryptocurrency, investments and insurance, gambling, government fees and taxes, donations, gift cards, game credits and professional services do not earn rewards. QR code payments to Alipay and WeChat Pay are also excluded.
See Solid review and comparison for a full comparison.
Solid fees
- Card: The virtual card is free and activates automatically after setup. There is no monthly or annual fee.
- Card top-up: 0%, with a $10 minimum per transaction. Deposits below $10 remain in Wallet.
- TWD purchases: The 1.5% FX fee is the same at every tier and is included in the exchange rate, with no separate charge.
- Crypto deposits: Free on the Fuse chain; 0.1% on Ethereum; a 0.03% cross-chain fee on BSC, Polygon, Base and Arbitrum. $10 minimum.
- Savings: 10% performance fee on yield, plus a 0.01% withdrawal settlement fee.
- Local currency deposits: Supports 16 currencies, excluding TWD and HKD.
See Solid fees in detail for the full fee list.
What to know before applying
- Rewards, subscriptions and FUSE lockup rules can change: Solid may adjust, pause or end its programmes at any time.
- The value of locked FUSE can rise or fall. Savings yield is variable, not guaranteed, and is not covered by deposit insurance.
- Rewards first go to soUSD in Savings, which you can exchange for USDC in Wallet. With a Rain card, you can transfer funds from Savings to the card; with a Wirex card, you must use a crypto deposit, with a $10 minimum.
How to apply for Solid (where to enter the invite code)
The invite code is TMKHH. Open the referral link and the page will show “You are invited to join solid”; the line in the red box indicates that the invite code was applied. Sign up through this link for your friend to be counted as a referral.
- Open the referral link and create a Solid account. On iOS, use the US App Store; on Android, use Google Play. A web version is also available at app.solid.xyz.
- Complete KYC with one of a passport, driver’s licence or national ID card, plus a live selfie and proof of residential address dated within the last three months.
- After approval, the free virtual card activates automatically. There is no ordering step and no need to deposit funds first.
- Transfer at least $10 to the card to spend. See the fees section above for deposit methods.
- On the card page, add the card to Apple Pay or Google Pay.
Using Solid in Taiwan and Hong Kong
Taiwan and Hong Kong are both on the official list of supported locations; mainland China is not. Applications are based on residence, not nationality. You need proof of address from your country of residence and must complete verification there.
In Taiwan, Apple Pay and Google Pay are officially supported. JKoPay cannot be linked because it accepts only credit cards issued by domestic partner banks. The FX fee on TWD purchases is 1.5%, and there is no TWD deposit option, so top-ups use USDC or USDT.
In Hong Kong, the official Virtual Account (a US dollar bank account) is unavailable, and HKD is not on the local currency deposit list. Apple Pay and Google Pay are also officially supported. Compare tier designs with the Wirex One Card application guide and the Tria Card application guide.
