Platinum
- Cashback
- 0%
- Card material
- White polyvinyl plastic
- Monthly limit
- No preset limit
- Issuance fee
- Free (1st virtual), $10 additional virtual, $50 physical
- Basic travel insurance
- Basic purchase protection
DeFi maxiThird National Bank (BIN Sponsor)visa● Live
Avici Card
Self-custodial Visa secured credit card collateralized by user-controlled USDC on multiple chains.
Avici Card is a self-custodial Visa secured credit card for crypto users. It lets you spend USDC worldwide while keeping full control of your assets, with no staking, hidden fees, or rewards.
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Best for
Self-custody advocates wanting Visa Signature benefits without staking tokens.
Skip if
You want cashback rewards or live in the EU, UK, or Canada.
Network
visa
Custody
self custodial
KYC
full
Max cashback
0.00%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- Zero transaction fees and 0% Avici FX markup.
- Multi-chain support including Solana, Ethereum, Polygon, Base.
- Instant virtual card with Apple Pay/Google Pay.
Watch outs
- No cashback or crypto rewards (0% back).
- Unavailable in EU, UK, Canada, and 16 US states.
- Requires 100% USDC collateral for all spending.
- True self-custody via smart contracts on Solana, Ethereum, Polygon, and more.
- No cashback rewards (0%) and requires 100% USDC collateral for all spending.
- Zero transaction fees, but Signature tier has a $20 annual fee after year 1.
Basic information
Avici Card is a self-custodial crypto Visa credit card that enables users to spend digital assets globally while maintaining full ownership of their funds. Launched in late 2024, the platform addresses a fundamental challenge for crypto holders: the ability to spend cryptocurrency without converting to fiat through exchanges, which typically triggers taxable events and requires surrendering custody. The technical architecture combines blockchain self-custody with traditional payment rails through a secured credit model. Users deposit USDC into a personal escrow smart contract that only they control via passkey-secured wallet access. This collateral establishes an equivalent USD credit line on the Visa card.
Fees
Avici Card fees are structured with exceptional transparency. The platform charges zero transaction fees on all purchases, with no hidden conversion fees or markup beyond Visa's standard network fees.
Fee Table:
- Platinum Virtual Card (1st): Free
- Platinum Virtual Card (Additional): $10 one-time
- Platinum Physical Card: $50 one-time
- Platinum Annual Fee: $0
- Signature Virtual Card: $30 first year, then $20/year
- Signature Physical Card: $75 one-time + $20/year (after year 1)
- Signature Annual Fee: $20 (starting year 2)
- Purchase Transactions: $0
- ATM Withdrawals (Platinum): $1 + 0.65%
- ATM Withdrawals (Signature): $0 (waived)
- FX Markup (Avici): 0%
- Visa Cross-Border Fee: ~0.4-1%
Virtual Account Fees:
- Account Opening: $0
- One-time Onboarding: 35 USDC (refundable)
- Fiat-to-USDC Conversion: 0.8%
- ACH In/Out: $1 each
- Wire In/Out: $15 each
- SEPA In/Out: €1 each
Spending & ATM limits
- Notes
- No fees for loading or withdrawing USDC from card balance
- Atm Daily
- $250 per day per card, maximum 3 transactions daily
- Daily Spending
- No preset limits (constrained only by USDC collateral balance)
- Credit Line Max
- Equal to USDC collateral balance (1:1 ratio)
- Per Transaction
- No preset limits (constrained only by USDC collateral balance)
Features
Core features include a true self-custody model, zero transaction fees, and instant virtual card issuance with Apple/Google Pay integration. The card supports multiple blockchains including Solana, Ethereum, Polygon, Arbitrum, Optimism, and Base, with automatic conversion of various tokens to USDC collateral. Avici also offers USD/EUR virtual bank accounts with ACH, SEPA, and wire transfer capabilities, allowing fiat to be converted to USDC at a 0.8% fee. Higher tiers (Visa Signature) provide premium benefits like travel insurance and concierge service without requiring token staking.
Rewards
Availability
Available in 19 countries including US (select states only), Latin America, Africa, Asia-Pacific, Middle East. Restricted in 37 countries. Major exclusions: All EU member states, United Kingdom, Canada, China, India, Russia, Iran, North Korea, Cuba, Syria, Venezuela, Ukraine.
Top-up & funding
- Crypto (any token from supported blockchains auto-converts to USDC)
- Wallet connect
- Direct deposit
- Fiat on-ramp
Instant for token-to-USDC conversion
Security & custody
- Passkey authentication with device biometric confirmation
- Account abstraction wallet eliminates seed phrase vulnerability
- Social recovery options for wallet access
- Real-time transaction monitoring and fraud protection via Visa Zero Liability
- Cryptographic attestation required for settlement deductions
- Bankruptcy-remote fund protection
- Transparent on-chain transaction visibility
Risk note. The platform is early-stage with a limited track record. A withdrawal bug in November 2025, though promptly resolved, highlights potential risks associated with new platforms.
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported
Card tiers
Signature
- Cashback
- 0%
- Card material
- White polyvinyl plastic
- ATM free
- Unlimited (fees waived)
- Monthly limit
- No preset limit
- Issuance fee
- $30/year (1st year virtual), $20/year after; $75 physical + $20/year after year 1
- 24/7 concierge service for travel, dining, and event bookings
- Airport lounge access eligibility via Visa Airport Companion app (pay-per-use)
- Luxury Hotel Collection perks (room upgrades, free breakfast, late checkout)
- Comprehensive travel insurance (trip cancellation/interruption, travel accident, lost luggage)
- Rental car collision damage waiver
- Purchase protection (90 days theft/damage coverage)
- Extended warranty (up to one additional year on manufacturers' warranties)
- ATM fees waived
- ATM balance inquiry fees waived
Infinite (Planned)
- Card material
- Expected metal
- ATM free
- Expected $0
- Monthly limit
- TBA
- Issuance fee
- TBA
- Requirements
- TBA
- Enhanced concierge service
- Expected complimentary airport lounge access
- Expected enhanced travel insurance
Loan & credit features
Secured credit card model - USDC collateral establishes equivalent USD credit line
Settlement occurs every 1-7 days by deducting spent amounts from the smart contract
Banking services
● Iban● Direct Deposit● Sepa Transfers● Virtual Accounts
USD/EUR virtual bank accounts with ACH routing numbers, SEPA IBANs, and Fedwire capability. All received fiat automatically converts to USDC at 0.8% fee. Business accounts available with enhanced KYB verification, multi-card capabilities, and corporate treasury management features.
What users say
No public user ratings available yet. Positive feedback consistently highlights low fees, self-custody benefits, and transaction reliability. Common criticisms include the absence of cashback rewards, collateral capital efficiency concerns, and limited geographic availability.
Risks & limitations
Risks
- MarketEarly-stage platform with limited track record
- SecurityNovember 2025 withdrawal bug
Limitations
- majorNo cashback or crypto rewards program (0% on all purchases)
- majorLimited geographic availability (excludes EU, UK, Canada, and other major markets)
- moderateRequires 100% USDC collateral for spending (capital efficiency concern)
- moderateOff-ramp functionality still in development (closed beta)
- moderateEarly-stage platform with limited track record
- minorNovember 2025 withdrawal bug (promptly resolved) illustrates early-stage platform risks
Roadmap
Recently shipped
- Business accounts launched in early access with enhanced KYB verification
Planned
- Visa Infinite tier with metal cards and enhanced benefits
- Fiat off-ramp functionality (currently closed beta)
- DeFi yield integration ('Avici Earn') allowing collateral to earn returns
- Geographic expansion targeting EU and UK markets
- Enhanced business banking tools and accounting integrations
Best suited for
Self-custody crypto advocates who prioritize control of private keys, crypto-earning professionals including freelancers receiving crypto payments, premium card seekers wanting Visa Signature benefits without token staking requirements, and international spenders seeking near-interbank FX rates with minimal fees
Our verdict
Avici Card successfully delivers on its core promise of enabling self-custodial crypto holders to spend digital assets globally with minimal friction and fees. The platform's technical architecture is innovative, fee structure is genuinely competitive, and user feedback validates official claims about zero hidden charges and reliable transaction processing. For its target audience—crypto-native users prioritizing sovereignty and integration over rewards—Avici represents arguably the best available solution as of early 2026.
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