Laso vs. SolCard
Last reviewed: August 2026
Choose SolCard if you want to top up a reloadable card directly with SOL and prefer a Solana-native app, especially if you spend under its entry-tier monthly cap and accept its 5% top-up fee. Choose Laso if you want 0% fees on U.S. cards, funding from six chains rather than one, exact-amount cards, or an API an AI agent can call autonomously. Both products issue a virtual card fast with minimal sign-up friction; the differences are fees, chains, and the agent story.
SolCard and Laso are the two fast paths in this space: neither makes a human wait days for an account review before the first card. SolCard is Solana-native, funded with SOL, USDC, USDT, or its own SOLC token, with a lightweight entry tier and an identity-verified Platinum tier. Laso is wallet-native across six chains, with per-amount cards and an agent-facing API. The fee structures are different enough that the right answer usually falls out of how you spend.
| Laso Finance | SolCard | |
|---|---|---|
| What you get | Non-reloadable virtual prepaid cards ($5–$1,000 each), 2,000+ gift card brands, and payouts to Venmo, PayPal, debit cards, and bank accounts | A reloadable virtual prepaid card in two tiers: a lightweight entry tier and an identity-verified Platinum tier |
| KYC requirements | None for cards and gift cards: connect a wallet and sign a message. Identity verification is required only for Venmo/PayPal payouts and bank rails | Entry tier asks for no identity documents (this policy was suspended and reinstated during 2025-2026); Platinum tier requires identity verification |
| Funding assets and chains | USDC, USDT, or DAI on Ethereum, Solana, Stellar, Arbitrum, Base, or Polygon; agents pay per call in USDC on Base or Solana | SOL, USDC, USDT, and SOLC on Solana only |
| Issuance speed | U.S. virtual card in about a minute after a wallet signature | Entry-tier virtual card in well under a minute (reviews report about 30 seconds) |
| Fees (load, FX, monthly) | 0% on U.S. and Canadian cards; 3.8% + ~2% FX on international cards; gift cards up to 4.8% (U.S. Amazon 0%); no monthly fee. Schedule: laso.finance/fees | $10 card issuance; entry tier: 5% top-up fee, 1–2% FX; Platinum: 0% top-up, 0–1.5% FX; no monthly fee (per third-party reviews; TODO: verify current schedule from SolCard’s own docs) |
| Limits | $5–$1,000 per U.S. card, $100–$1,000 international, order as many cards as you need; gift cards $5–$9,000 | Entry tier around $5,000/month spend; Platinum uncapped (TODO: verify current limits from SolCard’s own docs) |
| Regions | U.S. cards for U.S. merchants, Canadian cards, international cards, gift cards in many countries | Marketed globally, U.S. included (TODO: verify current availability from SolCard’s own docs) |
| Custody model | Your keys until you deposit; the deposited balance is held by Laso (FinCEN-registered MSB) and withdrawable to your wallet any time | Custodial: top-ups convert to a card balance held by the provider |
Agent readiness
SolCard’s speed makes it look agent-friendly, but speed for a human tapping an app is not the same thing as an API. Scores for both sides:
| Laso Finance | SolCard | |
|---|---|---|
| API an agent can call autonomously | Yes. Card ordering, gift cards, payouts, balances, and webhooks are all HTTP endpoints; identity verification (needed only for Venmo/PayPal payouts) is the one step an agent hands to its human as a link | No public agent-callable API as of August 2026; sign-up and top-ups run through the web app |
| Machine-readable pricing | Yes. Each x402 402 challenge quotes the exact fee-inclusive total before payment; full contract in openapi.json | None published |
| x402 support | Yes, USDC on Base or Solana on every paid endpoint | No, despite being Solana-native |
| ai-plugin.json / llms.txt | Yes: llms.txt, SKILL.md, ai-plugin.json, MCP server card | None found as of August 2026 |
Where SolCard is genuinely strong
SolCard accepts SOL itself, not just stablecoins, so a Solana user can spend without a separate swap step. The entry tier is about as low-friction as cards get, and the reloadable model means one card serves many purchases. For a Solana-native human who spends modestly each month and values that directness, SolCard is a reasonable pick, with the caveat that its entry-tier policy has been suspended and restored before, so the terms you sign up under can change.
Where Laso is different
The fee structures diverge sharply on U.S. spending: a Laso U.S. card costs face value, while the same spend through SolCard’s entry tier costs 5% at top-up. Laso funds from six chains rather than Solana alone, issues exact-amount cards that cap merchant exposure, and adds gift cards and payouts under the same balance. For agents there is no contest today: Laso’s x402 API, machine-readable pricing, and agent docs have no SolCard equivalent.
When SolCard is the better choice
- You want to top up with SOL directly instead of converting to a stablecoin first.
- You want one reloadable card and your spending fits the entry tier’s monthly cap.
- You want the absolute fastest human sign-up and accept the 5% top-up fee for it.
When Laso is the better choice
- You spend at U.S. merchants: 0% on Laso vs. a 5% entry-tier top-up fee is the whole decision.
- You fund from Ethereum, Base, Arbitrum, Polygon, or Stellar, not just Solana.
- You want exact-amount cards, gift cards, or payouts alongside card spending.
- An AI agent is doing the buying: Laso has a full x402 API, SolCard has no agent path.
Frequently asked questions
Does SolCard require KYC?
SolCard’s entry tier asks for no identity documents, though that policy was suspended and reinstated during 2025-2026, and its Platinum tier requires identity verification. Laso requires no identity documents for cards or gift cards; identity verification applies only to Venmo/PayPal payouts and bank rails.
What fees does SolCard charge?
Per third-party reviews as of August 2026: a $10 issuance fee, a 5% top-up fee and 1–2% FX on the entry tier, and 0% top-up with 0–1.5% FX on the identity-verified Platinum tier, with no monthly fee. Verify the current schedule on SolCard’s site. Laso’s comparable numbers are 0% on U.S. and Canadian cards and 3.8% + ~2% FX on international cards.
Can I pay with SOL on Laso?
Not directly. Laso deposits are stablecoins: USDC, USDT, or DAI, with Solana as a supported network for USDC. If holding SOL to the last step matters to you, SolCard accepts it natively and that is a real point in its favor.
Can an AI agent use SolCard?
Not autonomously, as of August 2026: SolCard publishes no agent-callable API, no machine-readable pricing, and no x402 support. On Laso an agent orders and manages cards over the x402 API, paying in USDC on Base or Solana; setup instructions live at laso.finance/SKILL.md.
Is Laso or SolCard faster to get a card?
They are effectively tied for a human: both issue a virtual card in under a minute of sign-up. For an agent only one of them is reachable at all, because SolCard has no API. The slower Laso path is the international card, which is queued and typically fulfilled within 24 hours.
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- All comparisons, guides for AI agents, or compare Laso's own card types
Try it: connect a wallet at laso.finance and you'll have a card, gift card, or payout in minutes.
Building an agent? Point it at laso.finance/SKILL.md — it can set itself up.