Solana-based infrastructure startup Solayer is launching a non-custodial crypto debit card, introducing a major leap forward for real-world crypto utility and user-centric financial freedom. Built on its proprietary InfiniSVM infrastructure, the Solayer Card allows users to spend crypto directly from their wallets — without converting to fiat or relying on centralized custody.
This announcement comes as the crypto industry is increasingly focused on usability and day-to-day adoption. While crypto cards are not new, Solayer’s approach sets itself apart by preserving decentralization and user control, two pillars often compromised by existing custodial card models.
Non-Custodial by Design
The Solayer Card offers an on-chain-first experience, allowing users to retain full custody of their assets until the moment of purchase. This is made possible through seamless wallet integration with Solana Virtual Machine (SVM) wallets such as Phantom, Backpack, and Solflare.
Unlike traditional crypto cards — which require users to pre-convert crypto into fiat or deposit funds into centralized platforms — Solayer’s system facilitates real-time on-chain settlement. All transactions are processed natively on Solana using InfiniSVM, Solayer’s scalable and high-throughput infrastructure layer.
“Most crypto cards today are crypto in name only. They’re just wrappers around fiat accounts,” said a Solayer spokesperson. “We’re flipping that model by enabling direct on-chain usage of digital assets for everyday payments. It’s non-custodial, near-instant, and built for the speed of modern commerce.”
InfiniSVM: Solayer’s Secret Sauce
At the core of the card’s functionality is InfiniSVM, a high-performance execution layer optimized for microtransactions, low fees, and real-time payments. This infrastructure allows the card to offer lightning-fast settlement speeds, sub-cent fees, and maximum compatibility with the growing Solana ecosystem.
InfiniSVM also includes features such as gasless transactions, batched execution, and smart wallet abstractions — all of which aim to enhance user experience and reduce friction when using crypto in everyday scenarios. These enhancements provide the technical backbone needed to bridge DeFi with commerce at scale.
Phase 1 Launch and Roadmap
The initial version of the Solayer Card will be released as a virtual card, available to a limited number of users beginning in Q2 2025. It will only support transfers from SVM-based wallets, with broader compatibility planned for future releases.
In the months following the launch, Solayer intends to expand support to Ethereum Virtual Machine (EVM) chains, including Ethereum, Arbitrum, Base, and Avalanche. This would allow users across multiple ecosystems to utilize the card while benefiting from non-custodial infrastructure and low-friction spending.
The company is also planning to roll out physical cards, merchant incentives, and cross-chain spending capabilities. Advanced DeFi features such as auto-yield top-ups, token swapping at checkout, and loyalty rewards in yield-bearing tokens are on the roadmap — potentially making Solayer the most feature-rich crypto card in the market.
Implications for Web3 and the Crypto Economy
Solayer’s debut comes at a moment when the crypto space is maturing beyond speculative use cases. With increasing attention on decentralized identity, wallet abstraction, and real-world payments, products like the Solayer Card are key to onboarding the next wave of users.
By creating a direct path from DeFi to commerce, Solayer is targeting a growing demographic of crypto-native users who want more than just trading — they want utility, convenience, and full control of their assets.
While regulatory clarity remains a moving target in many jurisdictions, Solayer says it is working with partners to ensure the card complies with relevant financial laws while still upholding the values of decentralization.
Looking Ahead
As crypto continues to evolve from a niche industry into a pillar of the global financial system, products that prioritize usability without compromising on decentralization will stand out. Solayer’s non-custodial crypto debit card is a bold step in that direction — one that could help push Solana further into the mainstream and redefine how digital assets are used every day.
Beta sign-ups for the Solayer Card are expected to open soon, with full rollout planned later this year. For users seeking a decentralized, fast, and flexible way to spend crypto — without leaving the chain — Solayer may soon be the go-to choice.