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Tria Card

Updated: Aug 4, 2026

The Tria Card is a Visa crypto payment card offered by the Tria non-custodial multichain wallet. Users' assets remain in their personal wallets until a purchase, when BestPath automatically converts them into the fiat currency required by the merchant. The product has three tiers—Virtual, Signature, and Premium—and supports online shopping, in-store purchases, Apple Pay, Google Pay, and ATM withdrawals with a physical card. Depending on the tier, it offers stablecoin cashback, purchase protection, airport lounge access, and higher spending limits. It is suitable for users who need to pay directly with multichain assets.
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Card network
Visa
Product type
Crypto-collateral credit card
Card form
Virtual card / Virtual + physical card / Virtual + metal card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDT / USDC / BTC / ETH / BNB / SOL / XRP / ADA / DOGE / TRX / DOT / LINK / MATIC / ATOM / LTC / BCH / DAI / XLM / UNI
Last updated
Aug 4, 2026

Official and company information

Issuer identity and company credentials

Tria (tria.so) is a financial platform positioned as a "self-custodial neobank." Compared to the various crypto asset management tools you have previously researched, its architecture places greater emphasis on underlying interoperability, aiming to deeply integrate DeFi protocols with everyday financial consumption experiences. Core positioning and technical architecture BestPath routing engine: This is Tria's core, operating as a decentralized infrastructure (AVS) that automatically seeks the optimal transaction execution path across 200+ blockchains, delivering a "bridge-free, gas-free" cross-chain transaction experience. Self-custodial neobank: Despite the "neobank" label, it emphasizes non-custodial attributes, meaning users interact through a bank-like app interface, but control of funds remains with the user (typically using account abstraction technology with social recovery, aiming to avoid the complexity of traditional seed phrase management). Multi-functional integration: It combines a Visa payment card (supporting Apple/Google Pay), spot trading, perpetual contract trading (integrating Hyperliquid, etc.), and on-chain wealth management, attempting to become a unified financial operating system for Web3 users.
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Company / issuer
Tria
Legal name
Tria
Registered region
United States (US)
Headquarters
Original美国纽约
Company type
Program manager
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

After obtaining an invitation code and purchasing a card plan, users must submit personal details, identity documents, and a live selfie in the mobile app to complete KYC. The card can be topped up from a Tria wallet or an external wallet and supports networks including Bitcoin, Ethereum, Polygon, Base, Arbitrum, Optimism, BSC, Aptos, and Solana. Top-up assets are converted into the card balance, and transactions are settled through the Visa network. Virtual provides only a virtual card, Signature adds a plastic physical card, and Premium provides a physical metal card. All three plans support online and mobile payments through the virtual card. Signature and Premium also support physical merchants, ATMs, airport lounges, and higher cashback. Membership plans renew annually, and fees, limits, and issuance terms follow either the US or international version depending on the user's region of residence.
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

Tria Virtual Card
Tria Signature Card
Tria Premium Card
Card formVirtual cardVirtual + physical cardVirtual + metal card
Fees
Monthly fee
Free
No monthly plan fee
Free
No monthly plan fee.
Free
No monthly plan fee.
Card issuance fee
25 USD
Can be reduced via promotional entry
109 USD
Standard fee.
250 USD
Standard fee.
ATM fee—
1 USD + 1%
$1 + 1%, up to $2 + 3%. Operation page lower than terms cap.
1 USD + 1%
$1 + 1%, up to $2 + 3%. Operation page lower than terms cap.
Foreign exchange fee
3%
Tria charges no additional exchange fee
3%
Up to 3%. Tria charges no additional exchange fee.
3%
Up to 3%. Tria charges no additional exchange fee.
Top-up fee
1%
On-chain service provider fees charged separately
1%
0%–1%. On-chain service provider fees charged separately.
1%
0%–1%. On-chain service provider fees charged separately.
Failed transaction fee—
2 USD
Up to $2. ATM inquiry or decline only.
2 USD
Up to $2. ATM inquiry or decline only.
Rewards
Cashback———
Crypto cashback
1.5%
First $100 per month high cashback, excess 0.5%
4.5%
4.5% on USDC or USDT, 1% above the threshold. High cashback on the first $1,000 per month.
6%
6% on USDC or USDT, 1% above the threshold. High cashback on the first $2,000 per month.
Staking rewards
2%
Cashback bonus 0.25%–2%, only within high-cashback spending limit
2%
Cashback bonus 0.25%–2%. Only within high-cashback spending limit.
2%
Cashback bonus 0.25%–2%. Only within high-cashback spending limit.
Staking APR———
Welcome bonus
2,500
First card transaction of the season
5,000 USD
5,000 Tria Points. Includes membership and first-spend bonus.
5,000
5,000 Tria Points. Includes membership and first-spend bonus.
Referral bonus
10%
Calculated based on invitee's base points
10%
10% points match. Calculated based on invitee's base points.
10%
10% points match. Calculated based on invitee's base points.
Limits
Daily spending limit
1,000,000 USD
Limit determined by balance and risk control
1,000,000 USD
Up to $1,000,000. Limit determined by balance and risk control.
1,000,000 USD
Up to $1,000,000. Limit determined by balance and risk control.
Monthly spending limit———
ATM withdrawal limit—
750 USD
$750 per transaction, max 3 per day. ATM operator limits apply separately.
750
$750 per transaction, max 3 per day. ATM operator limits apply separately.
Card network
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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

195
NetherlandsNLMontserratMSEswatiniSZMozambiqueMZBermudaBMDominicaDMBrazilBRUgandaUGKyrgyzstanKGVanuatuVUBosnia & HerzegovinaBABoliviaBOPolandPLGermanyDEGhanaGHNigerNEBurkina FasoBFAlbaniaALHaitiHTUnited KingdomGBKenyaKEEcuadorECFrench PolynesiaPFNew ZealandNZOmanOMNorthern Mariana IslandsMPGeorgiaGEAzerbaijanAZMongoliaMNLuxembourgLUSint MaartenSXCambodiaKHUzbekistanUZBarbadosBBEstoniaEEIsle of ManIMLatviaLVGuyanaGYGrenadaGDNamibiaNAThailandTHPuerto RicoPRIcelandISSwedenSEHondurasHNSan MarinoSMRomaniaROAnguillaAIMoldovaMDIndiaINArmeniaAMMadagascarMGPakistanPKSouth AfricaZAAustraliaAUIsraelILMartiniqueMQChinaCNRéunionREGambiaGMBotswanaBWBurundiBIAlgeriaDZTanzaniaTZTürkiyeTRCook IslandsCKGuamGUCape VerdeCVPortugalPTMexicoMXFijiFJIndonesiaIDArubaAWTunisiaTNSpainESGuatemalaGTNepalNPCameroonCMSt. LuciaLCBhutanBTMacaoMOTurkmenistanTMKuwaitKWNauruNRGuernseyGGCroatiaHRLiechtensteinLIMaltaMTJerseyJEUnited StatesUSEl SalvadorSVKazakhstanKZPanamaPAEgyptEGComorosKMHungaryHUBahamasBSPhilippinesPHNorwayNOAngolaAOTimor-LesteTLVietnamVNSurinameSRAndorraADFinlandFIMauritiusMUUkraineUASerbiaRSCôte d’IvoireCIBahrainBHTurks & Caicos IslandsTCLiberiaLRCosta RicaCRTaiwanTWSierra LeoneSLMonacoMCLesothoLSMaldivesMVMalaysiaMYCzechiaCZTuvaluTVMauritaniaMRSouth KoreaKRSamoaWSCayman IslandsKYSenegalSNHong KongHKCuraçaoCWTongaTOSwitzerlandCHSloveniaSIDenmarkDKSt. Vincent & GrenadinesVCGuadeloupeGPFrench GuianaGFMoroccoMASlovakiaSKParaguayPYGabonGAQatarQAChileCLBelizeBZSeychellesSCLithuaniaLTPalauPWAustriaATFranceFRSaudi ArabiaSACanadaCASingaporeSGMarshall IslandsMHSolomon IslandsSBMalawiMWItalyITCyprusCYNew CaledoniaNCNigeriaNGGibraltarGIMontenegroMEChadTDRwandaRWZambiaZMTrinidad & TobagoTTAntigua & BarbudaAGDjiboutiDJEquatorial GuineaGQSt. Kitts & NevisKNBelgiumBEBulgariaBGNorth MacedoniaMKJordanJOGreenlandGLJamaicaJMSri LankaLKTajikistanTJBruneiBNSão Tomé & PríncipeSTUnited Arab EmiratesAELaosLAPapua New GuineaPGIrelandIEDominican RepublicDOPeruPEColombiaCOBangladeshBDTogoTGVatican CityVANiueNUArgentinaARKiribatiKIUruguayUYGreeceGRCongo - BrazzavilleCGJapanJPBeninBJ
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

24
BelarusBYSomaliaSOZimbabweZWIranIRYemenYEEthiopiaETSouth SudanSSLibyaLYAfghanistanAFSudanSDNorth KoreaKPIraqIQNicaraguaNIMaliMLVenezuelaVEGuineaGNRussiaRUGuinea-BissauGWEritreaERCentral African RepublicCFLebanonLBCubaCUMyanmar (Burma)MMSyriaSY
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：中国大陆用户属于受限申请，需持邀请码、使用应用内中国选项，并以中国居民身份证或护照及实时定位完成验证；已发行卡可境外使用。

2、香港：中国香港居民可申请，但仍需邀请码并在当地完成证件、自拍和定位验证；卡片可用于线上、线下及支持境外Visa的ATM。

3、澳门：中国澳门居民可使用护照、身份证或居留证申请，需确保居住国家与实时所在地一致；实体卡配送还受当地批次开放限制。

4、台湾：中国台湾居民可使用护照、身份证或居留证完成申请；虚拟卡可线上及移动支付，实体等级支持Visa商户和ATM使用。

Updated: Aug 4, 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

Passport / Government-issued ID / Driver's license / Residence permit

Review time / regional limits

Automatic review can be completed in a few minutes; manual compliance review is generally processed within three days.

KYC provider

Billions

Updated

Aug 4, 2026

Payment compatibility

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

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 4, 2026

Wallet payments

Alipay

Supported

Aug 4, 2026

Wallet payments

Apple Pay

Supported

Aug 4, 2026

Cash services

ATM withdrawal

Supported

Aug 4, 2026

AI tools

ChatGPT

Supported

Aug 4, 2026

AI tools

Claude

Supported

Aug 4, 2026

Wallet payments

Google Pay

Supported

Aug 4, 2026

AI tools

Midjourney

Supported

Aug 4, 2026

In-person payments

Offline POS

Supported

Aug 4, 2026

Online shopping

Online shopping

Supported

Aug 4, 2026

Wallet payments

PayPal

Supported

Aug 4, 2026

Subscriptions

Subscription payment

Supported

Aug 4, 2026

Wallet payments

WeChat Pay

Supported

Aug 4, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Anweshgoogle_play★ 1 / 5

Tria: Crypto & Cards Google Play review - 1 star

Very bad
View original
Mehedi Islamgoogle_play★ 1 / 5

Tria: Crypto & Cards Google Play review - 1 star

big scam project and Very bad project
View original
PratAp aditya Chakrabortygoogle_play★ 5 / 5

Tria: Crypto & Cards Google Play review - 5 star

thank
View original
Rakib Islamgoogle_play★ 1 / 5

Tria: Crypto & Cards Google Play review - 1 star

don't use this card this card scam project... this card cheet with his community
View original
Oneview2 Elemegoogle_play★ 5 / 5

Tria: Crypto & Cards Google Play review - 5 star

cool
View original
Muhammad Junaidgoogle_play★ 1 / 5

Tria: Crypto & Cards Google Play review - 1 star

I joined this project almost 3 months ago. I am a Youtuber. I have also promoted this on my channel free of cost. I have many referrals. but after using it now I can easily say that it's the worst project and worst Card. i have purchased premium x by its card. but first 4 transactions are cancelled then 1 more accepted but payment was in pending. after 2 days payment completed and x not accepted that payment. bcz if card will instant payment then I can get x premium. money waisted
View original
Jioeeeeeapp_store★ 1 / 5

SCAM! No support at all.

I paid $250 for a membership on June 2nd and was asked to wait. Two months have passed, and there's been zero progress. There's no human support; I've tried reaching out via Discord DMs, Twitter (X), email, and phone calls, but no one has responded. This is a 100% scam company.
View original
Takahiro Araigoogle_play★ 5 / 5

Tria: Crypto & Cards Google Play review - 5 star

Great app so far! Easy to use, easy to control personal budget!
View original
Mubarak Salihugoogle_play★ 5 / 5

Tria: Crypto & Cards Google Play review - 5 star

yes is power
View original
EastMeetsWestgoogle_play★ 4 / 5

Tria: Crypto & Cards Google Play review - 4 star

I was worried because of all the negative reviews but it's working a lot better than I was expecting and I have no complaints at the moment.
View original

Risk factors

Updated: Jul 19, 2026

No risk factors are available