Card to the Future
Illustration in the plan's colour, not the issuer's artwork

Avici Card

VisaSelf-custodyKYC fullsecured credit

Avici is a US-incorporated self-custodial wallet with Visa secured credit cards (Platinum and Signature) funded by USDC held in a user-owned escrow contract. It pays no cashback; Platinum costs a one-time $15 for a virtual card, and an Aug-2026 exploit of a Solana card contract cost 1,685 users $500,859, which was repaid.

Get cardCompare

No partnership: we earn nothing from this card. Checked .

35Card Score, #24 of 36
−$46You keep a year
D45Trust points of 100
84%Key fields with a source

Plans side by side

Platinum
Signature
Price
Monthly priceFree1No monthly feeFree1No monthly fee; billed yearly
Yearly priceFree1No recurring charge after the one-time card fee$201Charged annually from the second year; first year is included in the $30 card fee
Virtual card fee$151First card; $10 one-time for each additional Platinum card$301Covers the first year; then $20 a year
Physical card fee$501One-time basic card fee; priority delivery costs extra$751Card fee, plus $20 a year from the second year
ShippingFree untracked delivery in 3-4 weeks; tracked priority delivery in 1-2 weeks costs $15 (US) or $50 (international)1Free untracked delivery in 3-4 weeks; tracked priority delivery in 1-2 weeks costs $15 (US) or $50 (international)1
ReplacementSame fees as a new card9Deleting a card and creating a new one is charged at the normal card price; the terms list no separate replacement feeSame fees as a new card9Deleting a card and creating a new one is charged at the normal card price; the terms list no separate replacement fee
Staking needed02No token staking; spending needs a USDC deposit that sets the card balance02No token staking; spending needs a USDC deposit that sets the card balance
Other requirementsDeposit USDC into the user's Loan Escrow contract to create card balance; identity verification through Sumsub2,5Minimum top-up is $1Deposit USDC into the user's Loan Escrow contract to create card balance; identity verification through Sumsub2,5Minimum top-up is $1
Rewards
Cashback0%13No standing cashback is published in Avici's docs or terms; Paymentscan states neither tier offers cashback. A 6% promotion on the first $1,000 was mentioned by a Finek chat member in Jul-2026 but is not on any issuer pageNot confirmed by the issuer0%13No standing cashback is published in Avici's docs or terms; Paymentscan states neither tier offers cashback. A 6% promotion on the first $1,000 was mentioned by a Finek chat member in Jul-2026 but is not on any issuer pageNot confirmed by the issuer
PointsNone for card spending13Signature has Visa travel and lifestyle benefits, not points. Avici runs a referral programme, see the referral sectionNot confirmed by the issuerNone for card spending13Signature has Visa travel and lifestyle benefits, not points. Avici runs a referral programme, see the referral sectionNot confirmed by the issuer
Perks—8Platinum has no special benefitsAirport lounge access via Visa Airport Companion (paid by the user, no free visits), Airport pickup and drop-off, Complimentary movie tickets, Travel insurance, Free ATM withdrawals8,1Benefits vary by region; the full list is on Visa's site
Fees
FX fee0%1Avici charges 0% forex markup; Visa may add a 0.4-1% cross-border fee on non-USD purchases. A real PLN payment measured about 1.59%, see tests0%1Avici charges 0% forex markup; Visa may add a 0.4-1% cross-border fee on non-USD purchases. A real PLN payment on the card measured about 1.59%, see tests
Crypto conversion fee0%6Card balance is created in USDC, so spending USDC has no conversion step. Other tokens are auto-swapped through Relay when topping up; the swap price is not published0%6Card balance is created in USDC, so spending USDC has no conversion step. Other tokens are auto-swapped through Relay when topping up; the swap price is not published
Top-up fee0%1,6No top-up or withdrawal-to-wallet fee; minimum top-up $10%1,6No top-up or withdrawal-to-wallet fee; minimum top-up $1
Free ATM a month—No free allowance publishedAll ATM withdrawals free of Avici fees1
ATM fee0.65%1Per transaction, on top of the fixed fee; Paymentscan's table shows 0.6%0%1
ATM fixed fee$11Per transactionFree1
Decline fee$0.61Charged on declined ATM transactions only; balance inquiry also $0.60Free1Declined ATM transactions and balance inquiries are free on Signature
Limits
ATM limit a day$3,0001Up to 3 withdrawals a day$3,0001Up to 3 withdrawals a day

Real payments

FX markup paidPaymentscan, Jul-06, 2026About 1.59% against Google's market rate on a PLN purchase in Poland charged in USD, possibly including Visa's 0.4-1% cross-border fee13
FX markup paidFinek chat member, Aug-06, 2026Alipay payment of CNY 110.20 in Shanghai was charged $16.53 on Avici, against $16.33 on the cheapest of 8 cards compared (about 1.2% above it)19
FX markup paidFinek chat member, Jul-17, 2026A EUR 6.18 purchase was charged $7.15 on Avici, level with Jupiter and below KAST ($7.31)20
Conversion spread paidCryptonoshi, Nov-04, 2026About 0.2% plus gas to convert crypto to USD balance when preloading, as listed by the reviewer21

What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.

What you keep

Card fee, spread over 2 years−$7
FX fee on foreign spend−$38
Net a year, Platinum plan−$46

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator6 of 25

Avici Inc. holds no licence of its own; the card terms name Third National as issuer under a Visa licence but give no regulator or banking licence.3

Custody and fund protection11 of 20

Funds sit in a user-owned escrow contract and Avici says it cannot take more than the spend charges, but the Aug-2026 exploit showed a Rain-run Solana card contract could be drained.2,3,16

Incidents in the last 24 months9 of 20

One serious event in Aug-2026: 1,685 users lost $500,859 from card balances through a contract vulnerability; Avici states all were refunded in full.16,18

Track record and verified volume8 of 15

Live since Dec-2024 with about $41M in onchain spend and roughly 11,900 addresses, with volume falling in late 2026.13

Published fees and terms7 of 10

Fee, limit, region and restricted-merchant pages are detailed and public, and the issuer is named, though no licence, funding or team details are given.1,4,7,3

Support and user sentiment4 of 10

Support is in-app only with no published hours; Trustpilot (10 reviews, 3.3) has a report of frozen funds with support going quiet, and the App Store rating is 4.4 from 51 ratings.15,14,9

Company

Legal entityAvici Inc., 300 4th St, San Francisco, CA; iOS app published by Higin Inc.11,14Finek describes it as a Delaware C-corporation, which the issuer pages do not state
HeadquartersUnited States11San Francisco address on the website
Websiteavici.money11

Issuer and licence

Card issuerThird National3Issuer named in the Avici card terms. Paymentscan and Avici's incident statement name Rain as the card-issuing partner and processor
Program managerRain22,16Avici's statement on the Aug-2026 exploit calls Rain its card issuing partner; the card terms do not name a program manager
LicencesCard programme issued under licence from Visa3The terms name no banking or EMI licence for the issuer or for Avici Inc.
NetworkVisa2
Card levelVisa Platinum; Visa Signature8Infinite is listed as coming soon

The card

Statuslive1,13
Launched2024-1213Paymentscan gives Dec 2024; Cryptonoshi says January 2025
Typesecured credit2Credit line backed by USDC in a Loan Escrow contract; each purchase reduces the balance and the spent USDC is liquidated and settled with Visa roughly every 1-2 days
FormsVirtualPhysical8
Custodyself-custody2,3The user's wallet owns the escrow contract and Avici can only withdraw amounts tied to spend. Exception: Aug-2026 exploit of a Rain-run Solana card contract that held funds during top-ups, see incidents
How custody worksUSDC sits in an escrow smart contract owned by the user's wallet; the terms say Avici and the issuer do not hold custody of the collateral. Top-ups sent from Solana are bridged to the EVM card contract2,3,9
KYCfull5Sumsub identity check with ID documents and a liveness check
KYC documentsPersonal information, ID documents and liveness check5Accepted ID types are not listed; Finek reports passport and local licences work for many countries
KYC timeA few minutes5
Settles inUSD2
Card currenciesUSD2

Funding

Crypto acceptedUSDC6Card contracts accept only USDC for credit; any token can be used to top up and is swapped through Relay
Deposit fees06No top-up fee
Minimum deposit$16Minimum top-up is $1; there is no minimum withdrawal
Spends fromUSDC balance in the user's Loan Escrow contract, shown as USD card balance2

Payments

Apple Pay9No extra charge. If the add-card option is missing, switching the device region to USA is suggested
Google Pay9
3-D Secure9OTP details can be changed through support
Online subscriptionsYes9Cards work online; subscription charges you agreed to are not eligible for disputes
Blocked merchantsGamblingCash and quasi-cashMoney transferFinancial and securitiesWeaponsAdult services7Also a list of blocked merchants including MoonPay, Wise, Skrill, Neteller and eToro

Where it works

RegionsAsia-PacificMiddle EastAfrica4Personal cards for residents of the listed countries and 30 US states
Countries484Countries listed plus the United States, which is listed by state; one entry on the page is a misspelt duplicate
United States4Only residents of 30 listed states
Excluded countriesBelarusBelarusChinaChinaCubaCubaIndiaIndiaIndonesiaIndonesiaIranIranIraqIraqIsraelIsraelRussiaRussiaSyriaSyriaTürkiyeTürkiyeUkraineUkraineVenezuelaVenezuelaVietnamVietnamNorth KoreaNorth Korea4Selected from a longer prohibited list that also includes Angola, Burkina Faso, Cameroon, DR Congo, Haiti, Mali, Mozambique, Myanmar, Namibia, Nepal, Nicaragua, Palestine, South Sudan, Tanzania, Yemen

Account

OtherSelf-custodial wallet with swaps, stablecoin and asset yields, US stocks and a credit line section in the docs11Not verified in detail

Security

Freeze card10Freeze or cancel in the app; per-card spending limits can be set
InsuranceSignature includes Visa travel insurance; no deposit insurance8

App

App Store rating4.414
App Store ratings5114
App StoreOpen in App Store14
LanguagesEnglish14
SupportIn-app support5,9

Reputation

Trustpilot3.315Unclaimed profile, 10 reviews in the last 12 months
Trustpilot reviews1015
Common complaintsNo cashback, Daily ATM limit, Slow account activation and support going quiet on a frozen payment (single Trustpilot report), Aug-2026 contract exploit15,16
Common praiseConvenient app, Zero fee on foreign purchases from Avici, Compliance process described as light by Finek15,17

Adoption

On-chain spend, all time$41,130,00013Paymentscan, onchain spends Dec 2024 to Nov 2026
On-chain spend, last month$3,681,00013Oct 2026 per Paymentscan; Nov 2026 so far $618.7K

Referrals

User referralsNew user gets an $8 bonus with a referral (standard $5); referrer earns 2% of the friend's eligible card spending for the first 90 days12

Incidents and changes

Aug 2026A vulnerability in an outdated Solana card contract run with issuing partner Rain let an attacker drain card balances of 1,685 Avici users, $500,859 in total; Avici said all affected users were refunded in full and filed an FBI IC3 report.16,18hack

More details

Visa cross-border feeVisa may charge 0.4-1% on non-USD transactions on top of Avici's 0% markup1
Dispute feeDisputes only above $30 and need a non-refundable $35 fee paid in USDC or USDT; reviews can take up to 90 days9
Additional cardsAdditional Platinum virtual cards cost $10 one-time; all cards share one spending balance with per-card limits1,6
LiquidationSpent USDC is liquidated from the escrow contract roughly every 1-2 days (sometimes weekly) and settled with Visa; the terms list a liquidation penalty up to $35 and a late payment fee up to $40 on overdue obligations2,3
RefundsRefunds to the card arrive in up to 5 business days and can only be spent, not withdrawn to a wallet6
Governing lawCard terms follow Puerto Rico law with arbitration in New York3
US statesAlabama, 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, Wyoming4
US citizen attestationThe card terms require the user to attest they are not a US citizen3

Quick answers

What does the Avici Card cost?

The Platinum plan: Free a month, $50 for a physical card.

How much cashback does the Avici Card pay?

0% on the Platinum plan, paid in a form not published.

What is the Avici Card FX fee?

0% on the Platinum plan.

Is the Avici Card custodial?

Self-custody. USDC sits in an escrow smart contract owned by the user's wallet; the terms say Avici and the issuer do not hold custody of the collateral. Top-ups sent from Solana are bridged to the EVM card contract

Is the Avici Card available in the US, the UK and the EEA?

US: yes. UK: not stated. EEA: not stated.

How much do you keep with the Avici Card?

−$46 a year on the Platinum plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. Avici docs: card fees and limits, issuer, Nov-05, 2026
  2. Avici docs: Secured Credit Cards, issuer, Nov-05, 2026
  3. Avici docs: Terms of Service, Avici Card, issuer, Nov-05, 2026
  4. Avici docs: regions and prohibitions for the card, issuer, Nov-05, 2026
  5. Avici docs: profile verification, issuer, Nov-05, 2026
  6. Avici docs: spending and transactions, issuer, Nov-05, 2026
  7. Avici docs: restricted categories and merchants, issuer, Nov-05, 2026
  8. Avici docs: virtual and physical cards, issuer, Nov-05, 2026
  9. Avici docs: card FAQs, issuer, Nov-05, 2026
  10. Avici docs: security and settings, issuer, Nov-05, 2026
  11. Avici website, issuer, Nov-05, 2026
  12. Avici docs: referral rewards, issuer, Nov-05, 2026
  13. Avici on Paymentscan, paymentscan, Nov-05, 2026
  14. Avici: Internet finance, App Store, app store, Nov-05, 2026
  15. Avici on Trustpilot, trustpilot, Nov-05, 2026
  16. Avici card balances hit by Solana contract vulnerability, Crypto Briefing, Aug-28, 2026, press, Nov-05, 2026
  17. Finek channel review of Avici, Oct-30, 2026, community, Nov-05, 2026
  18. Finek channel on repayments after the Rain contract exploit, Aug-29, 2026, community, Nov-05, 2026
  19. Finek chat, user report, Aug-06, 2026, community, Nov-05, 2026
  20. Finek chat, user report, Jul-17, 2026, community, Nov-05, 2026
  21. Cryptonoshi Avici Card review, Last Updated Nov-04, 2026, review, Nov-05, 2026
  22. Rain on Paymentscan, paymentscan, Nov-05, 2026
  23. Avici docs: Legal, issuer, Nov-05, 2026

Something wrong or out of date? Report it with a source.