Virtual
$25 ($20 early adopter)- Cashback
- Up to 1.5%
- Card material
- Virtual only
- Issuance fee
- No separate fees
- Instant activation
Rewards hunterThird National (affiliate of Signify Holdings, Inc.)visa● Live
Tria Card
Self-custodial crypto-backed Visa card using an AI engine for gasless spending from 1,000+ assets.
Tria Card is a self-custodial crypto-backed Visa card that allows users to spend from over 1,000 cryptocurrencies while retaining control of their private keys. It uses an AI-powered routing engine for real-time conversions and requires 1:1 collateral. The card is available in three tiers with varying fees and benefits.
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Best for
Crypto natives prioritizing self-custody and high cashback up to 6%.
Skip if
You are unwilling to provide 100% crypto collateral or prefer non-token rewards.
Network
visa
Custody
self custodial
KYC
full
Max cashback
6%
Min monthly fee
$2.08
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- Cashback up to 6% with no spending caps.
- High daily spending limit of $1,000,000.
- Supports 1,000+ cryptocurrencies for spending.
- Visa-network acceptance in 150+ countries.
Watch outs
- Requires 100% collateral in crypto assets.
- Annual fees up to $250 for Premium tier.
- Offers true self-custody via MPC wallet, but requires 100% collateral.
- Provides up to 6% cashback, but rewards are paid in TRIA tokens.
- Supports 1,000+ assets with no-fee conversion, but each spend is a taxable event.
Basic information
The Tria Card is a self-custodial, crypto-backed Visa credit card (with Mastercard acceptance also referenced) that allows users to spend crypto directly from their own wallet. It requires 1:1 collateral in a supported digital asset to establish a spending limit. Key features include an AI-powered routing engine for gasless, real-time conversions of over 1,000 cryptocurrencies, high spending limits, and availability in over 150 countries. The card is offered in three tiers: Virtual, Signature, and Premium.
Fees
Tria's fee structure is based on annual memberships for its three tiers. The platform advertises zero Tria fees for crypto conversions.
- Annual Membership:
- Virtual: $25/year ($20 for early adopters)
- Signature: $109/year ($90 for early adopters)
- Premium: $250/year ($225 for early adopters)
- Crypto Conversion Fee: 0% (promotional)
- Foreign Exchange Fee: Up to 3% (marketed as 0% Tria markup + 1% Visa FX fee)
- ATM Withdrawal Fee: Up to 3% + $2 per transaction
- Late Payment / Inactivity Fees: None
Spending & ATM limits
- Notes
- Collateral requirement: 100% of spending limit in supported digital assets. No minimum spending requirements.
- Atm Daily
- Up to $750/day (Signature and Premium tiers); Limited (Virtual tier)
- Daily Spending
- $1,000,000
Features
Tria integrates several advanced technical and financial features:
- AI-Powered Conversions: A 'BestPath' routing engine finds optimal conversion routes across blockchains, eliminating gas fees for the user.
- Self-Custodial Wallet: Utilizes MPC (Multi-Party Computation) technology, allowing users to retain control of their private keys.
- High Spending Limits: All tiers feature a daily spending limit of $1,000,000.
- Mobile Wallets: Supports Apple Pay and Google Pay for contactless payments.
- Card Formats: Available as a virtual card, physical PVC card (Signature), or metal card (Premium).
- US Bank Account: Advertises access to a US bank account and IBAN, integrating traditional banking features.
- Technical Architecture: Built on EigenLayer for security and Polygon's Agglayer for cross-chain functionality.
Rewards
Tria offers a tiered cashback program with no spending caps or category restrictions. Cashback is paid in TRIA tokens, scheduled for 3 months after the token generation event. No staking is required to earn rewards. - **Virtual Tier:** Up to 1.5% cashback. - **Signature Tier:** Up to 4.5% cashback (Note: marketing materials inconsistently mention up to 6%). - **Premium Tier:** Up to 6% cashback. Additional benefits for higher tiers include airport lounge access, comprehensive travel insurance, and purchase protection up to $100,000. A yield-earning feature offering 6-15% APY is listed as 'Coming Soon'.
| Tier | Rate | Up to |
|---|---|---|
| Virtual | 1.5% | — |
| Signature | 4.5% | — |
| Premium | 6% | — |
Availability
Available in 174 countries. Restricted in 15 countries including Russia, China, India, US-sanctioned regions. Card availability also depends on issuing bank policies and KYC outcomes.
Top-up & funding
- Crypto deposit as collateral
Real-time conversion at point of sale
Security & custody
- Freeze/unfreeze card instantly via app
- 24/7 fraud monitoring
- Instant transaction alerts
- Encrypted communications
- Biometric authentication
- Visa Zero Liability protection
Risk note. Smart contract risk exists with the MPC wallet system and the cross-chain routing protocols used for conversion.
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay—
Card tiers
Signature
$109 ($90 early adopter)- Cashback
- Up to 4.5%
- Card material
- Durable PVC plastic
- Issuance fee
- No separate fees
- Physical card shipped
- Visa Signature protections
Premium
$250 ($225 early adopter)- Cashback
- Up to 6%
- Card material
- Metal alloy construction
- Issuance fee
- No separate fees
- Physical card shipped
- Comprehensive travel coverage
- Premium concierge
- Unlimited lounge access
- Enhanced baggage protection
Loan & credit features
Crypto-backed credit structure with 1:1 collateral requirements. No late payment fees due to 0% APR structure.
Banking services
● Iban
Tria advertises access to a US bank account feature and claims 'IBAN included' in marketing materials. Details and full availability not comprehensively described on public pages.
What users say
Positive aspects include high praise for seamless functionality, global acceptance, zero-fee structure, and innovative self-custody approach. Users appreciate the 'just works' experience and high cashback rates. Common concerns include trust in the new platform, tax implications of crypto spending, and delayed token-based rewards.
Risks & limitations
Risks
- MarketStartup risk - relatively new platform launched in 2025, features may evolve and terms could change as platform matures
- MarketTRIA token performance risk - cashback paid in TRIA tokens introduces exposure to token value fluctuations
- SecuritySmart contract risk with MPC wallet system and cross-chain routing protocols
- RegulatoryRegulatory uncertainty could impact service availability in certain jurisdictions
- MarketLong-term sustainability questions due to zero-fee structure appearing subsidized by venture funding
Limitations
- majorRequires 100% collateral in crypto assets for spending limit
- majorEach transaction may constitute a taxable event
- moderateCashback paid in TRIA tokens 3 months after Token Generation Event - introduces performance risk and delay
- moderateRelatively new platform (launched 2025) with startup risks
- moderateYield features ('Invest and Earn') currently labeled 'Coming Soon'
- moderateZero-fee structure appears subsidized by venture funding, raising long-term sustainability questions
- minorSignature tier cashback rates inconsistently listed (4.5% vs 6%)
- minorVirtual tier has limited ATM access
Roadmap
Recently shipped
- December 2025: Support for self-custodied Bitcoin top-ups announced
- $650,000 airdrop campaign for early adopters
Planned
- Perpetual futures trading
- Real-world asset investments
- Enhanced AI portfolio tools
- TRIA token generation event with governance features
- Full rollout of crypto earning strategies (Invest and Earn)
Best suited for
Crypto-native users who prioritize self-custody and want to integrate digital assets into daily spending, digital nomads and frequent travelers, high-volume spenders who can maximize uncapped cashback, and DeFi users who want traditional payment rails without giving up private key control.
Our verdict
The Tria Card is an innovative self-custodial crypto card with high rewards up to 6% and zero conversion fees. It's ideal for crypto-natives who prioritize asset control. However, it requires 100% collateral, and its token-based rewards and new platform status introduce risk.
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