Solid Rewards is our loyalty program. It has three tiers, Core, Prime and Ultra, with better cashback, category cashback, Yield Boost and lower fees at each level. You also earn points for the things you already do in Solid.

To join, open the Rewards tab in Solid and opt in. Your points start counting from the moment you opt in, so opting in is the first step.

If you have used Solid before opting in, your earlier activity is recognized. See "Early members" below.

Every dollar you hold and every dollar you move with Solid earns you points:

Inviting friends earns FUSE rewards rather than points (see "Referral rewards" below).

Points no longer unlock tiers, but keep earning them. They are about to matter more than ever, and we will share more soon. Your points balance is always visible in the Rewards tab.

Every member starts at Core. You upgrade to Prime with an annual subscription or by locking FUSE, and to Ultra by locking FUSE (see "Upgrading to Prime and Ultra" below). Your current tier and what the next tier unlocks are shown in the Rewards tab.

For the full fee schedule, see Solid fees and limits: the complete overview.

There are two ways to reach Prime and one way to reach Ultra.

Annual subscription (Prime only). Pay $199 per year from your USDC balance and Prime is active immediately for 12 months. It renews automatically every 12 months; you can turn off renewal in the app at any time.

FUSE lock (Prime and Ultra). Lock 50,000 FUSE for Prime or 400,000 FUSE for Ultra. Locking means your FUSE is deposited into Savings and held for 12 months. It stays in your account and you can see it in the app, together with its unlock date. Locked FUSE keeps earning yield and points for the whole period. Your tier is active for as long as the lock is. You cannot withdraw locked FUSE before the unlock date. When the lock ends, your FUSE becomes available again and you can lock it for another 12 months to keep your tier, or withdraw it.

Amounts change on 12 October 2026. From that date the FUSE lock becomes 70,000 FUSE for Prime and 600,000 FUSE for Ultra. Anyone who locks before 12 October keeps the current amount for the full 12 months of their lock. The subscription price does not change.

1. Open the Rewards tab and tap Explore tiers. You can also tap the Join Prime Club card at the bottom of the Rewards tab.

2. Pick Prime or Ultra and tap Upgrade. Each tier page lists its benefits and what it takes to unlock it.

3. Choose how to upgrade. For Prime, pick Cash to pay the $199 annual fee from your USDC balance, or Locked FUSE to lock the FUSE amount shown. Ultra is Locked FUSE only. The screen shows the FUSE APY your lock keeps earning and the 12 month lock duration.

4. Short on FUSE or USDC? Tap Top up. You get three ways to add funds: Crypto (transfer from any wallet or exchange, or connect a wallet for a one-click deposit), Cash (bank transfer or local ramps) and Buy FUSE (buy FUSE with USDC directly in the app).

To send FUSE from another wallet or exchange, choose Crypto, then Show deposit address, and select FUSE on the Fuse chain. This is your Solid wallet address, also shown under Settings, Account. Send at least the minimum shown on screen (1,254 FUSE at the time of writing). Deposits below the minimum are not credited or refunded.

5. Confirm. Your FUSE is deposited into Savings and locked in one transaction. Your tier is active immediately and the unlock date is shown in the app.

The two best routes:

Do not send exchange withdrawals to the FUSE vault address. The FUSE savings vault has its own direct deposit address at app.solid.xyz/savings?vault=fuse, which only accepts WFUSE (wrapped FUSE). Exchanges send native FUSE. Send it to your wallet address, then lock it for a tier or deposit it into the vault from the app. See How to get FUSE into Solid.

FUSE that you hold in Savings without locking it earns yield and points, but does not unlock a tier on its own. The current amounts are always shown in the app.

If you locked FUSE or subscribed: nothing changes for you. Your amount and your terms stay as they are for your full 12 months, and you get the new category cashback and Yield Boost from today.

If you reached your tier before 25 September 2026, by earning points or by holding FUSE in Savings: your tier stays active with its benefits, including the new ones. We will give you at least 30 days' notice before anything changes for you. If you want to secure your tier for a full 12 months, lock your FUSE in the Rewards tab before 12 October 2026 and you keep the current amount (50,000 or 400,000 FUSE) for your whole lock.

If you already pay for subscriptions with your Solid card: they keep earning the previous subscription cashback (25% at Prime, 50% at Ultra) for as long as you keep paying them. See "Category cashback" below.

Yield Boost adds extra APY on top of the base rate your savings already earn: +2% at Prime on your first $10,000 in savings and +3% at Ultra on your first $25,000. The boost is calculated on your savings across all vaults combined (USDC, ETH and FUSE), not per vault. It accrues daily, you claim it from the banner at the top of the vault whenever you like, and it is paid in soFUSE, so it keeps earning yield and points once claimed. There is nothing to activate: as soon as you hold Prime or Ultra, the boost applies. Like all Solid yield, boosted rates are variable and not guaranteed.

Cashback is paid in USDC on every eligible card purchase, at your tier rate: 3% at Core, 4% at Prime and 5% at Ultra, up to a monthly cap of $50, $100 or $200. Cashback is credited 14 days after the transaction settles, and you can see the cashback earned on each purchase in its transaction details. See How cashback works and how to spend it and Cashback exclusions.

Prime and Ultra members earn a higher rate at a list of popular merchants, paid with the Solid card. Prime has four categories, Ultra has five:

A few rules apply:

Already paying for subscriptions with your Solid card? Subscriptions you were paying before 5 October 2026 keep earning the previous subscription cashback, 25% at Prime and 50% at Ultra, under the same one-per-category-per-month rule and capped at $50 per payment, for as long as you keep paying them with your card. Any subscription you start from 5 October 2026 earns the category rates above.

Category cashback is paid in USDC, counts toward your tier's monthly cap, and lands in your Savings where it starts earning yield the moment it arrives. The list of merchants may be updated with notice in the Rewards Terms.

Inviting friends pays both of you $25 in FUSE:

Transfers, wallet top-ups, gift cards, game credit, gambling and other cashback exclusions do not count toward the $150, and some rewards are reviewed before payout. Rewards are credited to your Savings, where FUSE earns yield and points, and can be locked toward a tier upgrade. Referrals made before September 8, 2026 are paid under the previous amounts ($15 in USDC each). See Refer a friend: how to earn $25 in FUSE for the full rules.

Crypto deposit fees are the same at every tier: free on Fuse, 0.1% on Ethereum and 0.03% on other networks. Bank deposits carry a 0.5% fee at Core and 0.25% at Prime, and are free at Ultra. First party bank deposits are unlimited. Third party bank deposits are capped at $4,000 per transfer.

If you used Solid before Rewards launched, your early activity was recognized with a points head start. You also hold Founding Member status, a permanent recognition of being an early supporter.

Live now: points for holding money in your vaults and on your card, spending, and swapping; card cashback at every tier, paid in USDC; category cashback on AI, streaming, music and rides for Prime and Ultra, and on airlines for Ultra; Yield Boost of +2% at Prime and +3% at Ultra on your Savings; upgrading to Prime with an annual subscription or a FUSE lock, and to Ultra with a FUSE lock; referral rewards paid in FUSE; and tiered fees on bank deposits, swaps, buying crypto and FX conversion.

From 12 October 2026: the FUSE lock amounts become 70,000 FUSE for Prime and 600,000 FUSE for Ultra. Locks made before that date keep the current amounts for their full 12 months.

Solid yield is available worldwide. The Solid card is available in eligible regions only. To check what is available in your country, see "Where is Solid available?"

Yes. Open the Rewards tab and opt in. Points start counting once you opt in.

As soon as you opt in. Activity before you opt in does not earn ongoing points, though early members receive a head start (see above).

No. Your points stay on your account and keep growing. They no longer move you up a tier, but they are about to matter more than ever, and we will share more soon.

No. Tiers are unlocked with a subscription or a FUSE lock. Points are still earned on everything you do in Solid and are about to matter more than ever. More on that soon.

Yes. Deposits in all three vaults, USDC, ETH, and FUSE, earn points at the same rate of 1 point per hour per $1.

Yes. FUSE in Savings earns yield and points just like USDC and ETH. And if you lock 50,000 FUSE for 12 months you unlock Prime, or 400,000 FUSE for Ultra (70,000 and 600,000 from 12 October 2026).

Yes. Your card balance earns points at the same rate as your vaults: 1 point every hour for every $1 held. For example, holding $1,000 on your card for 7 days earns 168,000 points.

Open the Rewards tab, tap Explore tiers, pick Prime or Ultra and tap Upgrade. For Prime, choose Cash ($199 a year) or Locked FUSE (50,000 FUSE for 12 months). For Ultra, lock 400,000 FUSE for 12 months. If you are short, tap Top up to deposit crypto or cash, or buy FUSE in the app. Your tier is active immediately. From 12 October 2026 the FUSE amounts are 70,000 and 600,000. See "Step by step" above.

After 12 months your FUSE is unlocked and available to withdraw or lock again. Your tier stays active as long as a lock is in place. The yield and points your FUSE earned while locked are yours to keep.

No. Locked FUSE is held until the unlock date shown in the app. If you want flexibility, the annual Prime subscription unlocks Prime without locking any FUSE.

+2% extra APY at Prime on your first $10,000 in savings and +3% at Ultra on your first $25,000, calculated across all your vaults combined. It accrues daily, is claimable from the vault screen and is paid in soFUSE. Rates are variable and not guaranteed.

The FUSE lock amounts rise to 70,000 FUSE for Prime and 600,000 FUSE for Ultra. If you lock before 12 October, your amount stays at 50,000 or 400,000 for your full 12 month lock. The $199 subscription does not change.

Your friend earns $25 after signing up with your link, activating their card, spending $150 on everyday purchases at 3 or more shops with $10 or more at each within 30 days, and making one more purchase of $10 or more before the reward is paid. You earn $25 per friend who completes those steps. Transfers, top-ups, gift cards and other cashback exclusions do not count, and some rewards are reviewed before payout. Both rewards are paid in FUSE to your Savings, converted from USD at the time of payout. Referrals made before September 8, 2026 are paid $15 each in USDC under the previous amounts.

AI (ChatGPT, Claude, Gemini, Perplexity, Cursor, Midjourney, GitHub Copilot), streaming (Netflix, Disney+, YouTube Premium, Prime Video, Max, Apple TV+, Paramount+) and music (Spotify, Apple Music, YouTube Music, Deezer) at 10% for Prime and 20% for Ultra; rides (Uber, Grab, Gojek, Bolt, DiDi / 99, Cabify, FreeNow, Lyft, Yandex Go, local taxi apps) at 8% for Prime and 10% for Ultra; and 12 airlines booked direct at 10% for Ultra. Purchases billed through PayPal, Google Play or the App Store, and flights booked through agencies or booking sites, earn your regular rate.

No. Subscriptions you were paying with your Solid card before 5 October 2026 keep earning 25% (Prime) or 50% (Ultra), under the previous rules, for as long as you keep paying them with your card. Only subscriptions started from 5 October 2026 earn the new category rates.

Not in the same month. The first AI purchase of the calendar month earns the AI rate (10% at Prime, 20% at Ultra); the second earns your regular 4% or 5%. The same applies in each category: one purchase per category per month at the category rate. Prime has 4 categories and Ultra 5, so that is up to 4 or 5 category purchases a month, within your tier's monthly cap.

Up to your tier's monthly cap: $50 at Core, $100 at Prime, and $200 at Ultra, across regular and category cashback combined. Regular purchases earn your tier rate (3%, 4% or 5%) until you reach the cap. The first eligible purchase in each category every month earns the category rate; further purchases in that category earn your regular rate.

The card is free at every tier: no monthly fee, no card fee and no top-up fee. The Prime subscription is optional; the card is free whether or not you subscribe. Crypto deposits are free on Fuse and cost 0.1% on Ethereum and 0.03% on other networks, the same at every tier. A small number of fees depend on your tier: bank deposits, swaps and buying crypto cost 0.5% at Core, 0.25% at Prime and nothing at Ultra; FX conversion on non-USD card purchases costs 1% at Core, 0.5% at Prime and nothing at Ultra. You always see the exact fee in the app before you confirm. Full details are in Solid fees and limits: the complete overview.

The card is available in eligible regions only. See "Where is Solid available?" for the current list.