Avici
Avici is a secured Visa credit card: you lock USDC in a self-custody escrow contract and that deposit becomes your spending balance. There is no Avici FX markup and no top-up fee, but no cashback either, and an exploit at its card platform in August 2026 hit Solana cards.
- Visa
- Apple Pay
- Google Pay
- KYC required
- Virtual card
- Physical card
- Self-custody
Good
- Self-custody: only your wallet can withdraw the escrowed USDC
- No Avici FX markup, no transaction, top-up or wallet-withdrawal fees
- One-off card prices on Platinum, no subscription
- No provider spending limit; you set your own
Watch out
- No cashback
- Funded with USDC only
- Card platform exploit in August 2026 drained about $1M from Solana card accounts (users were refunded)
- Signature costs $30 in year one and $20 a year after
Key facts
- Card price
- $15virtual
- Cashback
- 0%no cashback
- Annual fee
- Free
- Top-up fee
- Free
- FX fee
- 0.4 to 1% (Visa only)
- Daily spend limit
- No limit
Rewards
| Cashback | 0% (no cashback) |
|---|---|
| Referral | Referral programme described in the docs. |
Perks
- Signature: Visa lounge access, airport transfers, cinema tickets, travel and medical insurance, purchase protection (no free lounge visits)
Promotions
- $5 welcome bonus (no end date given)
Fees, limits and card details
| Virtual card | $15First Platinum virtual card; $10 for each next one. Signature: $30 in year one, then $20 a year |
|---|---|
| Physical card | $50Platinum, one-off. Signature: $75, then $20 a year from year two |
| Delivery | FreeStandard 3 to 4 weeks without tracking; priority $15 in the US, $50 abroad |
| Monthly fee | Free |
| Annual fee | FreePlatinum |
| Per purchase | Free |
| Foreign currency (FX) | 0.4 to 1% (Visa only)No Avici markup; Visa cross-border fee on non-USD spend |
| Top-up | Free |
| ATM withdrawal | $1 + 0.65%Platinum; free on Signature |
| Withdrawal | FreeTo your wallet |
| Declined ATM withdrawal or balance inquiry (Platinum) | $0.60 |
| Extra card | $10 |
- Card fees are charged before identity verification and refunded through support if you fail it.
- No fees for small or declined purchases.
| Spending, per day | No limitNo provider limit; set your own in the app |
|---|---|
| ATM, per transaction | $1,000 |
| ATM, per day | $3,000 and 3 withdrawals |
| Provider | Avici |
|---|---|
| Network | VisaPlatinum and Signature; Infinite is announced. |
| Card type | Secured creditYour USDC deposit is the card's USD balance (100 USDC = $100); Avici settles spend every 1 to 2 days or weekly. |
| Custody | Self-custodyUSDC sits in a Loan Escrow smart contract owned by your wallet. |
| Formats | Virtual card, Physical card |
| Currencies | USD |
| Issuer | Third National |
| Wallets | Apple Pay: Yes; Google Pay: Yes |
| Launched | December 2024 |
| Required | KYC required |
|---|---|
| Verification provider | Sumsub |
| What you provide | Form; ID document; Liveness check |
| Time | About 2 minutes |
- Required before any card is issued; data is kept for 5 years.
Incidents
- An old contract at the card platform Rain was exploited; about $840K to $1.1M was drained from collateral accounts of Solana cards. Avici refunded about 1,685 users (about $1M), according to news reports.*
Official links
* Not confirmed by the provider
Availability
Available (49)
Antigua & Barbuda, Argentina, Australia, Bahamas, Bangladesh, Barbados, Belize, Bolivia, Brazil, Cayman Islands, Colombia, Costa Rica, Côte d’Ivoire, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Ghana, Grenada, Guatemala, Guyana, Honduras, Hong Kong, Japan, Kenya, Malaysia, Mexico, Morocco, New Zealand, Pakistan, Panama, Paraguay, Peru, Philippines, Senegal, Singapore, South Africa, St. Kitts & Nevis, St. Lucia, St. Vincent & Grenadines, Suriname, Thailand, Trinidad & Tobago, Turks & Caicos Islands, Uganda, United Arab Emirates, Uruguay, Zambia
Limited
United States. Personal accounts in 31 US states.
US states (31): Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Virginia, West Virginia, Wyoming.
Prohibited: Belarus, mainland China, Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Türkiye, Ukraine, Venezuela, Vietnam.
The card cannot be used for spending in Cuba, Iran, North Korea, Russia, Syria, Ukraine and Venezuela.
Supported cryptocurrencies
- USDC
Supported networks
- Arbitrum
- Ethereum
- Optimism
- Polygon
- Avalanche
- Base
- Solana
- The docs do not list deposit networks; DefiLlama names Arbitrum, Ethereum, Optimism and Polygon, PaymentScan adds Avalanche, Base and Solana.
Plans
| Platinumrated planOne-off card fee | Signature$30 in year one (virtual), then $20 a year | |
|---|---|---|
| Virtual card | $15 first, $10 each next | $30 first year, then $20 a year |
| Physical card | $50 one-off | $75, then $20 a year from year two |
| ATM fee | $1 + 0.65% | $0 |
| Visa benefits | Unknown | Lounges, transfers, cinema tickets, travel insurance |
Platinumrated plan
One-off card fee
- Virtual card
- $15 first, $10 each next
- Physical card
- $50 one-off
- ATM fee
- $1 + 0.65%
Signature
$30 in year one (virtual), then $20 a year
- Virtual card
- $30 first year, then $20 a year
- Physical card
- $75, then $20 a year from year two
- ATM fee
- $0
- Visa benefits
- Lounges, transfers, cinema tickets, travel insurance
Community review
App Store
4.5 out of 5 from 50 ratings
App: Avici: Internet finance
Our rating
6.3 out of 10
| Criterion | Weight | Score | Points |
|---|---|---|---|
| Fees | 28% | 7.7 | 2.16 |
| Cheapest card$15 | 20% | 1.7 | |
| Yearly cost$0 | 20% | 10.0 | |
| Top-up cost0% | 20% | 10.0 | |
| Cost per purchase0% | 15% | 10.0 | |
| FX cost1% | 15% | 6.0 | |
| ATM cost1.15% | 10% | 10.0 | |
| Rewards | 18% | 0.5 | 0.09 |
| Cashback at $1,000 a month0% | 75% | 0.0 | |
| Reward currencyNo cashback | 15% | 0.0 | |
| Perks1 | 10% | 5.0 | |
| Availability | 14% | 7.6 | 1.06 |
| Countries49.5 countries | 70% | 6.5 | |
| Apple Pay and Google Pay10 of 10 | 30% | 10.0 | |
| Limits | 7% | 9.4 | 0.66 |
| Spending capacity a dayNo limit | 70% | 10.0 | |
| Cash a day$3,000 | 30% | 8.0 | |
| Custody | 7% | 10.0 | 0.70 |
| Track record | 7% | 7.6 | 0.53 |
| Age22 months | 50% | 7.5 | |
| IssuerNamed | 30% | 10.0 | |
| Incidents1 | 20% | 4.0 | |
| Data completeness | 6% | 10.0 | 0.60 |
| KYC and privacy | 5% | 4.0 | 0.20 |
| Networks and coins | 5% | 3.2 | 0.16 |
| Networks7 | 50% | 6.3 | |
| Coins1 | 50% | 0.0 | |
| App ratings | 3% | 5.0 | 0.15 |
| Total | 100% | 6.31 = 6.3 |
Each criterion is scored 0 to 10, rounded to 0.1, then multiplied by its weight. Unknown values score 2.
How to get the card
- Create an Avici account and pay the card fee.
- Pass the Sumsub check (form, ID, liveness; about 2 minutes).
- Deposit USDC into your Loan Escrow contract; it becomes your card balance.
- Spend with the virtual card at once or wait 3 to 4 weeks for a standard-delivery physical card.
Questions
How much does the Avici card cost?
The cheapest Avici card costs $15. Annual fee: Free. Top-up fee: Free.
Does Avici pay cashback?
No, Avici does not pay cashback.
Does Avici require KYC?
Yes, Avici requires identity verification before you get the card through Sumsub (about 2 minutes). Required before any card is issued; data is kept for 5 years.
Is Avici available in the US?
Partly: Personal accounts in 31 US states.
Can I add Avici to Apple Pay or Google Pay?
Yes, Avici works with Apple Pay and Google Pay.
Which coins and networks can I use to top up Avici?
Coins: USDC. Networks: Arbitrum, Ethereum, Optimism, Polygon, Avalanche, Base, Solana.
What are the Avici spending limits?
Per day: No limit.
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Before you order
The Order card button is an affiliate link: we may earn a commission if you sign up. It does not change the rating or the order of the catalog.
This page is not financial advice. Terms change often; check fees, limits and availability with the provider before you order.
How we rate cards: methodology. How we earn money: affiliate disclosure.
Sources
- Official docs
- Official website
- DefiLlama
- PaymentScan
- News reports
- Telegram reports
Figures are taken from these sources in this order of priority: the provider's own pages, then DefiLlama, then other reviews, then Telegram reports.