A ton of new neobank players surfaced lately. While we're all comparing the @RedotPay / @gnosispay / @ether_fi cards, many new cards have emerged in the market. Each one is leaning into a different edge: → @SolidYield: up to 8% APY + 3% cashback → @PulsarMoneyApp: agentic payments + 5.2% stablecoin APY → @xbnkapp: 5% cashback + 10% yield → @altitude: 3.25% APY backed by US treasuries → @Krak: 0% FX + 1% on fiat-to-crypto → @DogPay_: full compliance + business accounts → @tryavvio: up to 7% APY + transfers across 160+ countries (waitlist) → @orchidcredit: neobank on MegaETH (waitlist) → @joinCero: a credit-score card, higher score = more benefits (waitlist) → @AnodosFinance: financial AI agent + institutional-grade investing (waitlist) Tbh, I'm starting to run out of reasons to use a classic bank card.

Neobanks have exploded in the past year. Crypto card spend is now at ~$7.8B, with monthly volume up roughly 230% over the past year. And this is no longer just people testing cards for the novelty (like myself). One thing a crypto card can do that a bank card cannot is pay yield on idle balance. Currently, some crypto cards offer that, but only on specific assets (ex. only USDC). @SolidYield is one of the very few money apps that build the entire product around this feature. Every asset you hold earns automatically, and you spend from that same pool. And it's finally on mobile, just dropped on the App Store and Google Play. You can try it here: solid.xyz/app?utm_source=kol… Let's dive into the product ↓ 1/ Mobile app update @SolidYield is not a new project. It's actually been live for a while. You could use all the pieces, but they were split across web, desktop, and mobile. It technically worked, but it was a bit of a hassle. With the recent Mobile App update, this friction is gone. The app brings the whole loop into one place: • Deposits • Tracking your balance • Earning on idle funds • Setting up the card • Spending through Apple Pay / Google Pay IMO, this made the UX significantly better. 2/ Infrastructure Most consumer crypto apps are stitched together at the product layer. It works, but every additional provider adds another dependency, a fee layer, or a point of operational friction. Solid sits on @Fuse_network, which puts that stack together one layer below the app: • Smart wallets through Safe • Gasless transactions via Pimlico • Biometric login via Turnkey • Yield engine Safe, Pimlico, and Turnkey are still external providers, but Fuse owns the chain and manages the integrations, allowing Solid to focus its attention elsewhere. @SolidYield also drives real usage back into Fuse, with the FUSE vault growing from 15M to over 110M FUSE since launch. 3/ Yield When you deposit a stablecoin, ETH, or FUSE into Solid, you get a yield-bearing token back (soUSD, soETH, or soFUSE) that represents your share of a vault running diversified strategies. That vault routes capital across audited protocols like Morpho, Pendle, and Veda, rebalancing in the background based on risk-adjusted yield, with no lockups and no positions to manage on the user side. Stablecoins earn around 5%. ETH is ~3% (above the ~2.4% most DeFi staking pays). FUSE runs higher than both, at ~15%. The yield itself comes from real onchain activity, lending interest and yield-bearing stablecoin primitives, not from inflationary token rewards. I firmly believe this is where the product earns its value. Every time I've managed yield by hand, I've had to deal with lockups, rotations, and unlock windows. It's a very annoying process. Solid does all of it for me in the background. 4/ My take Crypto cards need to justify themselves beyond payments. Otherwise, most users will just stick with their bank card. Cashback alone is not enough reason for people to make the switch. They have to offer something that's structurally impossible for bank cards to replicate. Yield on idle balance is precisely that differentiator. Your funds keep working, regardless of whether you're using them or not. If you've been having the same issues, you should get the Solid app on your mobile through the App Store or Google Play Store. And since it's free, I think it's worth checking out if you’re still manually chasing yield.