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Avici Card

Updated: Sep 11, 2026

The Avici Card is a self-custody crypto-collateralized Visa credit card issued by Avici. Users can generate a corresponding USD spending limit using USDC and make purchases with the virtual card, physical card, Apple Pay, or Google Pay at merchants that support Visa. The product is suitable for users who wish to retain control of their on-chain assets while using crypto assets for real-world payments.
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Card network
Product type
Crypto-collateral credit card
Card form
Virtual + physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
USDTUSDCBTCETHSOLAVAXLINKMATICDAIUNIUSDEUR
Last updated
Sep 11, 2026

Official and company information

Issuer identity and company credentials

Avici is a self-custodial crypto finance app positioned as a neobank combining crypto wallet, trading/exchange, and banking-like services, emphasizing user control of funds, asset management via smart wallets and passkeys, and offering the Avici Credit Card, USD account access, and low-fee exchange. Its card product uses a collateralized credit card model, where user top-ups/collateral are held in an on-chain loan contract, and the card can be spent at Visa merchants.
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Company / issuer
Avici
Legal name
Avici Inc
Registered region
United States (US)
Headquarters
San Francisco, California, United States
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Avici is a crypto neobank that combines a self-custody wallet, crypto payment card, exchange, and virtual account features. The core mechanism of the Avici Card is a secured credit card: users top up USDC into a card-linked smart contract, which creates a corresponding USD spending limit, and then use the Visa card for online payments, in-store card swipes, mobile wallet payments, or in some ATM scenarios. Avici Card differs from ordinary prepaid cards or debit cards. It emphasizes self-custody and on-chain transparency. Once user funds enter the card contract, Avici and the issuing partner cannot directly control the user's main wallet assets like a typical custodial wallet; however, card spending still relies on the Visa network, issuing partners, KYC/AML review, and compliance restrictions. The card supports both virtual cards and physical cards, and also supports creating multiple virtual cards for different spending scenarios or budget management. Avici currently offers two types of personal cards: Platinum and Signature. Platinum is more basic and low-cost, while Signature is positioned as higher-end, with Visa Signature-related benefits and higher card fees. Avici also offers Business Cards, aimed at companies, freelancers, DAOs, and on-chain enterprise spending scenarios.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

2026-09 · Project-wide data

Source unspecified

Spend (USD)

$3,795,229.71

No comparable previous month

Transactions

22,898

No comparable previous month

Last six complete calendar months

Spend (USD)
Monthly details
PeriodSpend (USD)Transactions
2026-04$3,167,356.4719,997
2026-05$4,215,237.3320,479
2026-06$3,332,732.5120,232
2026-07$3,405,658.5822,514
2026-08$3,573,319.8122,369
2026-09$3,795,229.7122,898

Data source: Paymentscan ↗

Period: 2026-04 — 2026-09Last synchronized:

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

Avici Platinum Card
Avici Signature Card
Card formVirtual + physical cardVirtual + physical card
Fees
Monthly fee
Free
No monthly maintenance fee
Free
No monthly management fee
Card issuance fee
Free
First free, subsequent $10 USD; $50 USD. Virtual and physical cards are charged separately
30 USD
$30 for the first year, $75 for the first year; $20 per year from the second year onward
ATM fee
1 USD + 0.65%
Charged per ATM withdrawal
Free
Signature no ATM fee
Foreign exchange fee
Free
Visa may charge 0.4% to 1%
0%
Visa may charge 0.4% to 1%
Top-up fee
Free
No fee for card top-ups
Free
No fee for card top-ups
Failed transaction fee
0.6 USD
Only charged for declined ATM transactions
Free
No fee for declined ATM transactions
Rewards
Cashback——
Crypto cashback——
Staking rewards——
Staking APR——
Welcome bonus——
Referral bonus
20%
Inviter receives cash reward
20%
Inviter receives cash reward of 20% of the actual card fee paid
Limits
Daily spending limit
Unlimited
Subject to collateral balance and risk control limits
Unlimited
Subject to collateral balance and risk control limits
Monthly spending limit
Unlimited
Subject to collateral balance and risk control limits
Unlimited
Subject to collateral balance and risk control limits
ATM withdrawal limit
250 USD
Up to 3 transactions, calculated per card per day
250 USD
Up to 3 per day, calculated per card per day
Card network
Drag horizontally to view other cards

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

80
ConnecticutMoroccoMAIllinoisVirginiaHong KongHKMontanaThailandTHNew YorkGuatemalaGTSingaporeSGMexicoMXOklahomaUgandaUGZambiaZMKenyaKECôte d’IvoireCIBrazilBRArgentinaARPeruPEWest VirginiaGrenadaGDBangladeshBDSurinameSRUtahUruguayUYSenegalSNAustraliaAUDominican RepublicDOParaguayPYAlaskaDominicaDMNebraskaGuyanaGYWyomingMaineBahamasBSBarbadosBBHondurasHNTrinidad & TobagoTTIndianaCosta RicaCRSt. Kitts & NevisKNJapanJPTurks & Caicos IslandsTCNew JerseyNorth CarolinaMinnesotaMassachusettsEgyptEGArkansasAlabamaColombiaCOBoliviaBOBelizeBZPhilippinesPHPakistanPKUnited Arab EmiratesAENew ZealandNZHawaiiSouth AfricaZAMalaysiaMYPennsylvaniaSt. Vincent & GrenadinesVCPanamaPAAntigua & BarbudaAGEcuadorECKansasFloridaColoradoMichiganIowaSouth CarolinaSt. LuciaLCNew HampshireCayman IslandsKYEl SalvadorSVGhanaGHCaliforniaKentuckyTexas
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

18
TürkiyeTRIndiaINVietnamVNRussiaRUIraqIQBelarusBYIsraelILVenezuelaVESyriaSYIranIRUkraineUAChinaCNCubaCUNepalNPSri LankaLKNorth KoreaKPMyanmar (Burma)MMNicaraguaNI
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Can apply，Can use，Personal cards are currently limited to 31 supported U.S. states, and applicants must complete identity and residence verification.

2. United Kingdom：Cannot apply，Can use，The UK is outside Avici’s current issuance regions, but an eligible card obtained elsewhere may still be used locally subject to Avici’s transaction restrictions.

3. Canada：Cannot apply，Can use，Canada is not included in Avici’s current issuance regions, but an eligible existing card may still be used locally.

4. Australia：Can apply，Can use，Australian residents are supported and must complete Sumsub identity verification, including ID upload and a liveness check.

5. South Africa：Can apply，Can use，South African residents are supported and must complete Sumsub identity verification before obtaining a virtual or physical card.

6. New Zealand：Can apply，Can use，New Zealand residents are supported and must complete Sumsub identity verification before obtaining a virtual or physical card.

7. Ireland：Cannot apply，Can use，Ireland is outside Avici’s current issuance regions, but an eligible card obtained in a supported region may still be used locally.

Updated: Sep 11, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

NoNot required

Accepted documents

Government-issued photo ID

Review time / regional limits

Automatic review usually completes within a few minutes; manual review is triggered if document recognition fails or risk controls are triggered.

KYC provider

Sumsub

Updated

Aug 2, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported9
Not supported3
UpdatedAug 2, 2026

Wallet payments

Alipay

Not supported

Aug 2, 2026

Wallet payments

Apple Pay

Supported

Aug 2, 2026

Cash services

ATM withdrawal

Supported

Aug 2, 2026

AI tools

ChatGPT

Supported

Aug 2, 2026

AI tools

Claude

Supported

Aug 2, 2026

Wallet payments

Google Pay

Supported

Aug 2, 2026

AI tools

Midjourney

Supported

Aug 2, 2026

In-person payments

Offline POS

Supported

Aug 2, 2026

Online shopping

Online shopping

Supported

Aug 2, 2026

Wallet payments

PayPal

Not supported

Aug 2, 2026

Subscriptions

Subscription payment

Supported

Aug 2, 2026

Wallet payments

WeChat Pay

Not supported

Aug 2, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first
Uncle Dpgoogle_play★ 5 / 5

Avici: Internet finance Google Play review - 5 star

Incredible neobank, onboarding is super simple, it's non custodial, everything stays yours, very fast and easy to load, card is pretty slick looking, app is easy to navigate and use. Would recommend to Anyone.
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Vijay Singhgoogle_play★ 5 / 5

Avici: Internet finance Google Play review - 5 star

using it since late 2025, love it
View original
A Agoogle_play★ 5 / 5

Avici: Internet finance Google Play review - 5 star

handy self custody app with a lot of options to hold, swap, spend on credit card, tokenozed stocks and other yields
View original
Rajeev Singh Rajputgoogle_play★ 5 / 5

Avici: Internet finance Google Play review - 5 star

nice app, support is very good.
View original
Akhi Farjana Bestfriendgoogle_play★ 2 / 5

Avici: Internet finance Google Play review - 2 star

card so much paid ❣️
View original
Leulatdishapp_store★ 1 / 5

Refund Still Not Received After Over a Week

Very disappointed with Avici. I have been waiting over a week for my refund and have already provided all the requested information, including my bank statement and new IBAN. I keep receiving the same response that the issue is being checked, but there is still no clear resolution. Please resolve this refund issue and return my money as soon as possible.
View original
Martgoogle_play★ 2 / 5

Avici: Internet finance Google Play review - 2 star

on IOS I gave this 5 stars, on Android on my OnePlus Open the app literally doesn't work at all anymore. My Balance doesn't load, top up doesn't work, only thing that works is using the card once it's funded which I now have to do on my iPhone. and yes, if I reinstall the app it works for one day, then goes back to not working. I'm not going to reinstall the app every time I need to top up.....
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Paulina from cryptonoshi.comtrustpilot★ 4 / 5

Overall, a nice card.

They've been around for a while (1.5 yrs), so I'd expect a more elegant experience in the app... it all feels like the first pancake tbh. Other than that, this card has many nice features. The Good: - Unlimited Daily Spend - 0% foreign exchange fee - Apple Pay Enabled - Physical Card Available - You get both EUR and USD bank accounts in your name - Built on credit card rails via Rain, accepted virtually anywhere - Non-custodial, so you control your assets The Bad: - Only 49 Countries Supported - No Cashback - ATM limit is a tiny $250 per day I didn't give 5 stars because no cashback and the app looks like done in a week. Otherwise, a nice card and it just works.
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Gino Pivaltrustpilot★ 5 / 5

Good service

Good service, good support!
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Akshay Kumartrustpilot★ 5 / 5

Great cards

Great cards, great accounts. Support is round the clock. Very premium experience.
View original

Risk factors

Updated: Jul 19, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Avici Card require KYC?

Our record lists the Avici Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Avici Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Avici Card with?

Our record lists Avici Card support for: USDT, USDC, BTC, ETH, SOL, AVAX, LINK, and MATIC (12 in total).

Is Avici Card a virtual or a physical card?

Avici Card is offered as: Virtual + physical card.

Where is Avici Card available?

Our record lists 80 countries or regions as available and 18 as restricted. Country-by-country status is in the regions section of this page.

Who issues Avici Card?

Avici Card is operated by Avici on the Visa network.