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AAvici Card logo

Avici Card

Updated: Aug 28, 2026

OriginalAvici Card 是 Avici 推出的自托管加密资产抵押型 Visa 信用卡，用户可通过 USDC 生成对应美元消费额度，并使用虚拟卡、实体卡、Apple Pay 或 Google Pay 在支持 Visa 的商户进行消费。产品适合希望保留链上资产控制权，同时使用加密资产进行现实支付的用户。
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Card network
Visa
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
USDT / USDC / BTC / ETH / SOL / AVAX / LINK / MATIC / DAI / UNI / USD / EUR
Last updated
Aug 28, 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
Original美国加州旧金山
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

OriginalAvici 是一款结合自托管钱包、加密卡、兑换和虚拟账户功能的 crypto neobank。Avici Card 的核心机制是 secured credit card：用户将 USDC 充值到卡相关的智能合约中，形成对应的美元消费额度，再通过 Visa 卡进行线上支付、线下刷卡、手机钱包支付或部分 ATM 场景使用。 Avici Card 与普通预付卡或借记卡不同。它强调自托管和链上透明，用户资金进入卡合约后，Avici 和发卡合作方不能像普通托管钱包一样直接控制用户主钱包资产；但卡片消费仍依赖 Visa 网络、发卡合作方、KYC/AML 审核和合规限制。卡片支持虚拟卡和实体卡，也支持创建多张虚拟卡，用于不同消费场景或预算管理。 Avici 当前提供 Platinum 和 Signature 两类个人卡。Platinum 更偏基础低成本使用，Signature 则定位更高端，带有 Visa Signature 相关权益和更高卡费。Avici 也提供 Business Cards，面向公司、自由职业者、DAO 和链上企业支出场景。
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

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 China applicability

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

China applicability

The source text is retained below.

Original

1、中国大陆：不支持申请，已被官方明确列入禁止地区；已在支持地区合规取得的卡可在接受境外 Visa 的商户使用，但微信支付和支付宝绑卡不作为稳定支持方式。

2、香港：居民可以申请，完成 Sumsub 身份验证后可进行线上及线下 Visa 支付，实体卡配送需根据申请地址确认。

3、澳门：居民不可按当前地区名单申请；已在支持地区取得的卡可在接受国际 Visa 的商户消费或进行非接触支付。

4、台湾：居民不可按当前地区名单申请；已持有的卡可在接受国际 Visa 的线上和线下商户使用，交易受商户风控限制。

Updated: Aug 2, 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

User reviews

Showing 10 approved reviews matched to this card

Newest first
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.
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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.
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MD. SABBIR HASANgoogle_play★ 1 / 5

Avici: Internet finance Google Play review - 1 star

I had a very disappointing experience with Avici. I deposited SOL from Binance successfully, but when I tried to top up my card, nothing happened. There was no pending or completed transaction. After reinstalling the app and logging back into the same account, my SOL balance disappeared and even my deposit address changed. My funds are not accessible, and I still cannot use my card. Support keeps giving generic replies without resolving the issue. Until this is fixed, I cannot recommend this ap
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ZAINAB SALISUgoogle_play★ 2 / 5

Avici: Internet finance Google Play review - 2 star

Goid
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Customer Servicegoogle_play★ 5 / 5

Avici: Internet finance Google Play review - 5 star

No Decline fee
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Zakaria Ahmedgoogle_play★ 5 / 5

Avici: Internet finance Google Play review - 5 star

good all
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Josip Volarevicgoogle_play★ 5 / 5

Avici: Internet finance Google Play review - 5 star

A crypto card that just *works*
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Risk factors

Updated: Jul 19, 2026

No risk factors are available