Spending Limits
Your spending limits are:
Based on your available balance or collateral
Configurable by Solid per user and per card
Dynamically adjustable at any time
Limits can be applied across the following intervals:
Per transaction
Daily (per 24-hour period)
Weekly (per 7-day period)
Monthly (per 30-day period)
Yearly
Lifetime
High-value transactions may trigger additional checks:
Transactions above ~$250,000 may require verification from Visa
Maximum single transaction limit: up to ~$750,000
Fees
In short: adding money to your card is free, and spending in US dollars is free. The only fee is a 1% FX fee, and it applies only when you spend in a currency other than USD.
Adding money (top-up)
Solid top-up fee: 0%. The full amount you add is available to spend. If you deposit $5, you can spend $5. Solid does not take a cut for loading funds.
External network fees: if you send crypto from another wallet or exchange, that wallet or network may charge its own fee before the funds reach Solid. This is not a Solid fee and is outside our control.
Spending
USD transactions: no fee. If a purchase is settled in US dollars, no FX or transaction fee is charged.
Non-USD transactions: 1% FX fee. If a purchase is settled in any currency other than USD, a 1% fee applies. It is built into the exchange rate rather than shown as a separate line item, and it applies regardless of the merchant's country.
Fees Solid covers for you
Maintenance fee: none.
Cross-border fee: absorbed by Solid, not charged to you. FX and cross-border fees are mutually exclusive: only one can apply per transaction, with a combined maximum of 1%.
International transaction fee: covered by Solid, not passed through to you.
Merchant Rules
The Solid Card can be used at merchants worldwide wherever Visa is accepted, except for restricted categories such as:
High-risk merchants
Gambling (depending on jurisdiction)
Unregulated financial services
Prohibited categories under network and compliance rules
Why a payment may be declined
A transaction may fail due to:
Insufficient available balance
Reaching configured limits
Merchant category restrictions
Security or fraud checks
Network-level authorization rules
Additional Safeguards
Certain merchant types may include additional protections.
Example:
Gas stations (AFD transactions):
Max 2 transactions within a 3-day period
Minimum balance check (~$175) before approval
For full details, refer to the official terms: