> ## Documentation Index
> Fetch the complete documentation index at: https://docs.solayer.org/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> Spend USDC in the real world, earn on-chain rewards, and access decentralized finance — all from a Visa-compatible card.

The wait is over. Solayer Pay is now live – available to 40,000+ users and fully integrated with Apple Pay, Google Pay, and Visa’s global network.

Spend USDC like cash, earn real on-chain rewards, and use crypto for real-world purchases.

<br />

## Global, Visa-Compatible, Fully On-Chain

Use Solayer Pay at real world merchants, withdraw local currency from ATMs worldwide, and pay with just a tap.

* Spend directly from USDC — no pre-conversion
* Apple Pay & Google Pay supported
* ATM withdrawals for local cash, globally

<br />

## Your On-Chain Checking and Savings in One

Think of Solayer Pay as your crypto-native financial hub. Deposit USDC to spend instantly or opt into sUSD — a Treasury-backed stablecoin offering 4–5% yield.

* Instantly mint/redeem sUSD (no lockups, no minimums)
* Non-custodial and fully on-chain
* Switch between spending and saving anytime

Even \$5 of sUSD earns real yield. It’s like a savings account — but on the blockchain.

<br />

## Powered by Solayer Chain: Real-Time On-Chain Processing

Solayer Pay is built on Solayer Chain, a hardware-accelerated Solana Virtual Machine (SVM) that delivers high throughput with real on-chain execution.

* Hardware-Accelerated: Built with RDMA & InfiniBand for ultra-low latency
* On-chain settlement that rivals centralized processors
* DeFi-Ready: Supports SVM and EVM chains for cross-chain compatibility (Coming Soon)

With Solayer Chain, every Solayer Pay transaction settles on-chain with low latency.

<br />

## Emerald Rewards: The More You Spend, The More You Earn

Season 2 of Solayer’s Points Program is live.

Every transaction earns Emerald Points, which unlock:

* Future \$LAYER token rewards
* Partner airdrops and exclusive perks
* Access to beta tests, merch, and VIP events

Refer friends and earn 10% of their points — indefinitely. The more they spend, the more you earn.

<br />

## Membership

Solayer Pay is open to all eligible users with a **\$20/year membership fee**.

Join partner campaigns (Sonic, OpenEden, Solana ID, and more) for extra perks and rewards.

<br />

## Real Utility, Real DeFi

* No centralized custodians
* All transactions processed on-chain via Solayer Chain
* Intuitive dashboard for managing funds, referrals, and rewards

Solayer Pay is built on Solayer Chain, delivering real-time payments on decentralized infrastructure.

<br />

## How to Get Started

1. Apply at [app.solayer.org/card](https://app.solayer.org/card)
2. Complete KYC — typically 3–5 business days
3. Activate your virtual card and use it immediately via Apple Pay or Google Pay

**Membership Fee: \$20 / year**

<br />

## Get Started with Solayer Pay

Solayer Pay combines on-chain settlement with real-world spending.

[Get Started →](https://app.solayer.org/card)