Solid gives you several ways to earn, and they stack. Whether you only hold savings, only spend on your card, or use everything, there is always one more thing you can switch on. This guide covers every earning mechanism and the quickest next step for each.

This is the foundation. Deposit into a Solid vault and your balance earns yield automatically, paid out daily. The rate fluctuates with market conditions, and the current rate is always shown in the app. There are no deposit fees and no lock-ups: your money stays yours and you can withdraw at any time.

Want to see the long-term effect? Use Simulate your savings on the Savings tab to see what your balance could grow into over time with compounding.

Earn more: yield compounds on your full balance, so the single biggest lever is depositing more and keeping it deposited. Idle funds sitting outside Solid earn nothing.

Solid Rewards turns your everyday activity into points, and points unlock tiers with better rewards. You earn:

Everyone starts at Core. Prime unlocks at 5,000,000 points and Ultra at 35,000,000 points. Because saving and holding a card balance earn points continuously, your balances and how long you hold them matter most.

You can also skip the line: stake 50,000 FUSE in your savings vault to unlock Prime instantly, or 400,000 FUSE for Ultra. Your stake keeps earning points the whole time, and your tier stays as long as the stake does. Withdraw the stake and your tier returns to what your points support. Staking amounts may be reviewed periodically; the current amounts are always shown in the app.

Earn more: make sure you have opted in to Rewards on the Rewards tab. Points only start counting once you opt in. Then check how far you are from the next tier: each tier raises your cashback rate and cap.

Every purchase with your Solid card earns cashback in USDC, at your tier's rate:

There are no categories to activate and no minimum spend. The card works anywhere Visa is accepted, including Apple Pay and Google Pay, with no card fees at any tier.

Earn more: if you save with Solid but haven't gotten your card yet, you're leaving cashback on the table every time you pay with another card. The card is free and activates in minutes. If you already spend on the card, moving up a tier raises both your rate and your monthly cap.

Prime and Ultra members earn extra cashback on eligible recurring subscriptions such as streaming and music services, paid in USDC:

Subscription cashback is capped at $50 per service per month. Just pay for the subscription with your Solid card and the cashback lands automatically.

Earn more: if you're at Core, this is one of the strongest reasons to reach Prime. If you're already Prime or Ultra, switch your existing subscriptions to your Solid card. That's money back on bills you were paying anyway.

Inviting friends pays both of you $15:

Earn more: referrals are the only mechanism with no ceiling tied to your own activity. Every friend who joins and starts spending earns you another $15 in USDC. Tap Invite friends on the Rewards tab to get your link.

Normally, spending your savings means giving up the yield they were earning. Borrow Mode removes that trade-off. Instead of selling your savings, you borrow USDC against your soUSD at a low rate and spend as usual, while your full savings balance keeps earning yield in the background. Your yield can go toward repaying what you borrowed.

Earn more: if you regularly spend from your savings, enable Borrow Mode in your Card settings. Your balance keeps compounding instead of shrinking with every purchase. See "Understanding Your Solid Card: Savings Mode vs Borrow Mode" for how limits and repayment work.

Higher tiers earn more than cashback. Yield Boost adds up to 3% extra APY on top of the base yield your savings already earn, based on your tier. There is nothing to activate: the boost applies automatically to your savings balance, and your boosted rate is shown in the app. Climb a tier and your boost climbs with you.

Earn more: Yield Boost multiplies with everything else. A higher tier raises your cashback rate, your cap, and your savings rate at the same time, so the fastest path to earning more is reaching the next tier, whether by points or by staking FUSE to skip the line.

Solid is not a bank. Yield rates, including Yield Boost, fluctuate and are not guaranteed. All rewards are subject to the Solid Rewards Terms and Conditions.