Avici Card
Visaself-custodialKYC: required
3.0 / 5
Net Reward2.0
Availability1.0
Custody & Risk5.0
Features4.5
Avici Card is a self-custodial Visa secured credit card for crypto users that lets you spend USDC worldwide while keeping full control of your assets. It features zero transaction, FX, or interest fees from Avici, with USDC collateral held in user-controlled smart contracts.
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Slug: avici-card
Our Verdict
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
Pros and cons
Pros
- True self-custody with smart contract escrow protection
- Zero transaction fees and transparent pricing structure
- Multi-chain support with automatic token conversion
- Premium Visa benefits without staking requirements
- Instant virtual card issuance and mobile wallet integration
Cons
- No cashback or crypto rewards program
- Limited geographic availability excluding major markets
- Requires 100% USDC collateral for spending
- Early-stage platform with limited track record
- Off-ramp functionality still in development
Supported chains
ArbitrumAvalancheBaseEthereumOptimismPolygonScrollSolana
Supported cryptos
ETHEURCMATICSOLUSDCUSDT
Fees
Annual: See card_tiers
Monthly: See card_tiers
Issuance: See card_tiers
Crypto To Fiat: 0.8% (fiat-to-USDC conversion in virtual accounts)
Crypto Withdrawal: $0
Purchase Transaction: $0
Stablecoin Withdrawal: $0
Key Features
- Self-custodial crypto card with USDC collateral held in user-controlled smart contracts
- Zero transaction fees, zero FX markup (only Visa's standard ~0.4-1% cross-border fee)
- Multi-chain support (Solana, Ethereum, Polygon, Arbitrum, Optimism, Base, others)
- USD/EUR virtual bank accounts with ACH, SEPA, and wire transfer capabilities
- Visa Signature benefits including travel insurance and concierge service
- Instant virtual card issuance and Apple/Google Pay integration
- Premium Visa benefits without token staking requirements
- Automatic token-to-USDC conversion via integrated DEX aggregators
- Passkey authentication with device biometric confirmation
- Account abstraction wallet eliminates seed phrase vulnerability
Limitations
- No cashback or crypto rewards program (0% on all purchases)
- Limited geographic availability (excludes EU, UK, Canada, and other major markets)
- Requires 100% USDC collateral for spending (capital efficiency concern)
- Off-ramp functionality still in development (closed beta)
- Early-stage platform with limited track record
- November 2025 withdrawal bug (promptly resolved) illustrates early-stage platform risks
Risks
- MarketEarly-stage platform with limited track recordLaunched late 2024
- SecurityNovember 2025 withdrawal bugNovember 2025 - promptly resolved
Rewards & Cashback
Notes: Avici Card does not offer a proprietary cashback or crypto rewards program. The platform's value proposition centers on zero fees and asset preservation rather than spending rewards.
Cashback Rate: 0% - No cashback or crypto rewards program
Spending 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)
Top-Up Methods
Crypto (any token from supported blockchains auto-converts to USDC)Wallet connectDirect depositFiat on-ramp
Processing Time: Instant for token-to-USDC conversion
Banking & Financial Services
✓
IBAN
✓
SEPA Transfers
✗
SWIFT
✓
Virtual Accounts
✓
Direct Deposit
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.
Credit & Loan Products
Loan Products
Secured credit card model - USDC collateral establishes equivalent USD credit line
LTV Tiers
100% LTV - requires 1:1 USDC collateral for all spending
Interest Rates
Zero interest fees from Avici
Settlement occurs every 1-7 days by deducting spent amounts from the smart contract
Security Features
Features: 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
Insurance: USD accounts may be FDIC-insured up to $250,000 while in bank custody before conversion
Mobile Wallet Support
Apple PayGoogle PayiOSAndroid
Best 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
Custody Model
self-custodialUsers control private keys via a smart contract wallet (account abstraction, passkey-secured). USDC collateral for card is held in a user-controlled on-chain escrow; only user can withdraw unspent funds. Avici can only deduct authorized card settlement amounts; cannot access or freeze full balance.
Risk: If Avici ceases operations, users retain full access to all unspent crypto assets
Card Issuer & Compliance
Issuer Name: Third National Bank (BIN Sponsor)
Kyc Required: true
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.
Card Tiers
Platinum
PhysicalWhite polyvinyl plastic
Fees
Issuance: Free (1st virtual), $10 additional virtual, $50 physical
Top-up: $0
Monthly: $0
Monthly Limit: No preset limit
Annual Limit: No preset limit
VisaApple PayGoogle Pay
Cashback: 0%
Basic travel insuranceBasic purchase protection
Signature
PhysicalWhite polyvinyl plastic
Fees
Issuance: $30/year (1st year virtual), $20/year after; $75 physical + $20/year after year 1
Top-up: $0
Monthly: $0
Monthly Limit: No preset limit
Annual Limit: No preset limit
VisaApple PayGoogle Pay
Cashback: 0%
ATM Free: Unlimited (fees waived)
24/7 concierge service for travel, dining, and event bookingsAirport 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 waiverPurchase protection (90 days theft/damage coverage)Extended warranty (up to one additional year on manufacturers' warranties)ATM fees waivedATM balance inquiry fees waived
Infinite (Planned)
PhysicalExpected metal
TBA
Fees
Issuance: TBA
Top-up: TBA
Monthly: TBA
Monthly Limit: TBA
Annual Limit: TBA
Visa
ATM Free: Expected $0
Enhanced concierge serviceExpected complimentary airport lounge accessExpected enhanced travel insurance
User Ratings
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.
Roadmap & Updates
Expansion: Most features lack specific launch dates, with geographic expansion dependent on regulatory approvals and licensing in target jurisdictions
Planned Features:
- 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
Recent Updates:
- Business accounts launched in early access with enhanced KYB verification
Conclusion
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. However, the platform's early-stage status, limited geographic availability, and complete absence of cashback mean it's not a universal solution. Users must weigh self-custody benefits against opportunity costs of collateral lockup and foregone rewards.
Card launched: Late 2024
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