CoinsOnCards

    Avici CardReview

    Self-custodial Visa secured credit card collateralized by user-controlled USDC on multiple chains.

    3.0· Updated: Business accounts launched in early access with enhanced KYB verification
    Visit issuer
    Cashback
    Up to 0.00%
    Custody
    self_custodial
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: Self-custody advocates wanting Visa Signature benefits without staking tokens.

    Skip if: You want cashback rewards or live in the EU, UK, or Canada.

    • True self-custody via smart contracts on Solana, Ethereum, Polygon, and more.
    • No cashback rewards (0%) and requires 100% USDC collateral for all spending.
    • Zero transaction fees, but Signature tier has a $20 annual fee after year 1.
    Get the Avici Card

    How it works

    • Core features include a true self-custody model, zero transaction fees, and instant virtual card issuance with Apple/Google Pay integration. The card supports multiple blockchains including Solana, Ethereum, Polygon, Arbitrum, Optimism, and Base, with automatic conversion of various tokens to USDC collateral. Avici also offers USD/EUR virtual bank accounts with ACH, SEPA, and wire transfer capabilities, allowing fiat to be converted to USDC at a 0.8% fee. Higher tiers (Visa Signature) provide premium benefits like travel insurance and concierge service without requiring token staking.

    Funding: Crypto (any token from supported blockchains auto-converts to USDC) · Wallet connect · Direct deposit · Fiat on-ramp

    Fees

    BankingSEPA: true · IBAN: true · Direct deposit: true · Virtual accounts: true · USD/EUR virtual bank accounts with ACH routing numbers, SEPA IBANs, and Fedwire capability. All received fiat automatically converts to USDC at 0.8% fee. Business accounts available with enhanced KYB verification, multi-card capabilities, and corporate treasury management features.

    Borrowing terms

    Interest: Zero interest fees from Avici

    Secured credit card model - USDC collateral establishes equivalent USD credit line

    Settlement occurs every 1-7 days by deducting spent amounts from the smart contract

    Custody & risk

    • If the issuer disappears
      The platform is early-stage with a limited track record. A withdrawal bug in November 2025, though promptly resolved, highlights potential risks associated with new platforms.
    • Market risk
      Early-stage platform with limited track record
    • Security risk
      November 2025 withdrawal bug

    Avici employs a true self-custodial model where each user's USDC collateral is held in a personal, on-chain smart contract escrow controlled exclusively by the user's passkey-secured wallet. Avici cannot access funds beyond authorized card settlement amounts, and users can withdraw unspent collateral at any time. If the company ceases operations, users retain full access to their crypto assets.

    Protections

    • Passkey authentication with device biometric confirmation
    • Account abstraction wallet eliminates seed phrase vulnerability
    • Social recovery options for wallet access
    • Real-time transaction monitoring and fraud protection via Visa Zero Liability
    • Cryptographic attestation required for settlement deductions
    • Bankruptcy-remote fund protection
    • Transparent on-chain transaction visibility

    Insurance & coverage: USD accounts may be FDIC-insured up to $250,000 while in bank custody before conversion

    Limits

    notes
    No fees for loading or withdrawing USDC from card balance
    atm daily
    $250 per day per card, maximum 3 transactions daily
    daily spending
    No preset limits (constrained only by USDC collateral balance)
    credit line max
    Equal to USDC collateral balance (1:1 ratio)
    per transaction
    No preset limits (constrained only by USDC collateral balance)

    The good

    • Zero transaction fees and 0% Avici FX markup.
    • Multi-chain support including Solana, Ethereum, Polygon, Base.
    • Instant virtual card with Apple Pay/Google Pay.

    The catches

    • No cashback or crypto rewards (0% back).
    • Unavailable in EU, UK, Canada, and 16 US states.
    • Requires 100% USDC collateral for all spending.

    Limitations

    • majorNo cashback or crypto rewards program (0% on all purchases)
    • majorLimited geographic availability (excludes EU, UK, Canada, and other major markets)
    • moderateRequires 100% USDC collateral for spending (capital efficiency concern)
    • moderateOff-ramp functionality still in development (closed beta)
    • moderateEarly-stage platform with limited track record
    • minorNovember 2025 withdrawal bug (promptly resolved) illustrates early-stage platform risks

    What users say

    No public user ratings available yet. Positive feedback consistently highlights low fees, self-custody benefits, and transaction reliability. Common criticisms include the absence of cashback rewards, collateral capital efficiency concerns, and limited geographic availability.

    Rating breakdown

    Net reward
    2.0
    Custody risk
    5.0
    Availability
    1.0
    Features & convenience
    4.5

    See our methodology for how we score each axis.