Unlike traditional debit or crypto cards that require pre-loading or top-ups, the Solflare Card does not require separate funding. It operates as a self-custodial Mastercard debit card, allowing you to spend USDC directly from your connected Solflare wallet. There is no need to transfer assets to a third party or pay conversion fees, giving you full sovereignty and control over your funds. Your spendable balance is simply the USDC available in your delegated wallet, with no intermediaries involved.

Currently, the Solflare Card supports only USDC on the Solana network, with plans to add support for other assets in the future. The card is available in the EEA, UK, and select other regions, subject to approval. It enables instant global spending at over 100 million Mastercard locations, including online, in-store, and ATMs. To prepare, ensure your Solflare wallet has sufficient USDC by acquiring it through purchases, swaps, or transfers, as detailed below.

This self-custodial model minimizes risks such as third-party hacks and leverages Solana's speed for seamless transactions.

Spending USDC with the Solflare Card is straightforward and secure. When you authorize a purchase, the equivalent USDC amount is deducted in real-time from your delegated wallet via an on-chain Solana transaction. The card functions like a standard debit card for daily use tap, swipe, or pay online without needing to convert to fiat beforehand. For non-USD purchases, Mastercard handles foreign exchange at interbank rates,

ensuring competitive pricing.
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Direct Wallet Deduction:

At checkout, the merchant's fiat amount is converted to the USDC equivalent and pulled instantly from your wallet, meaning there is no need to manage pre-funded balances on the card itself. Settlements occur in seconds on Solana, and you receive app notifications for each spend. The card can be used physically, virtually, and with Google Pay or Apple Pay.
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Conversion:

International transactions may incur conversion fees (please refer to terms), and ATM operators could charge separately. Solana network gas fees are negligible (around $0.01 or less).
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Security Features:

Security features include 3D Secure with OTP via phone for online purchases, the ability to freeze or unfreeze your card in-app, and biometrics or PIN confirmations for the app. Support is available 24/7 for issues such as compromised cards or unfamiliar charges.
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Limitations:

Limitations include one virtual and one physical card per user, and spending is limited by wallet balance and daily or ATM caps. Transactions may decline for high-risk merchants or if limits are exceeded. If a transaction is declined, check your balance, limits, or contact support. Common issues include insufficient USDC or merchant restrictions. You can view your transaction history in the app's card section for transparency.
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To use the card, delegate a specific Solflare wallet during setup via the app's card icon, then stock it with USDC. Follow these steps to add USDC:

1. Open the Solflare App: Download and install the mobile app (iOS/Android). Log in or create a self-custodial wallet if you are new.
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2. Acquire USDC:
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2A. Buy with Fiat: In the app, select "Buy," choose USDC, and use a credit/debit card, bank transfer, or Apple/Google Pay.
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2B. Swap from Other Tokens: Go to "Swap," select the input token (e.g., SOL), set the output as USDC, enter the amount, and confirm via Jupiter DEX (low fees, around 0.1-0.5%).
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2C. Transfer from Exchange/Wallet: From a CEX or another wallet, select "Withdraw" USDC on the Solana network, paste your Solflare wallet address (from "Receive" in app), and send. Ensure you select the Solana chain to avoid losses.

3. Verify Balance and Delegation: In your portfolio, check your USDC balance. If not already done, delegate the wallet to your card via the "Card" section.
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For issues, contact support at [email protected] or use the in-app chat.
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Refer to the Solflare Card FAQ for more details and updates on future expansions.