TL;DR.Avici Money Card is a Visa crypto debit card (Virtual + Physical, KYC: Light KYC). Cost per $100 spent: $0. Top-up fee 0%, FX fee 1%. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: July 21, 2026.
CARD PROFILE · LIGHT KYC
Avici Money Card.
Self-custodial Visa credit card from Third National — USDC stays in your personal escrow smart contract, passkey-secured, Visa credit line equal to USDC collateral, multi-chain support.
Cost / $100
$0.00
Top-up fee
Free
Network
Visa
Card type
Virtual + Physical
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +Self-custodial: USDC stays in personal escrow smart contract you control
- +Passkey-secured wallet access (no seed phrase risk)
- +0% transaction, 0% interest from Avici
- +Multi-chain USDC: Ethereum, Polygon, Optimism, Arbitrum
- +Visa credit line backed by your own USDC collateral
- +Apple Pay & Google Pay
- +Issued by Third National (licensed Visa partner)
Cons.
- −$15 issuance fee for first virtual card ($10 for additional cards, Platinum tier); $50 one-time for physical card
- −1% FX (Visa-charged, max disclosed 3%); cross-border fee currently 0% (max disclosed 3%)
- −ATM: $1 + 0.65% per withdrawal, plus $0.60 balance-inquiry and $0.60 decline fees
- −$250/day transaction limit (Platinum tier)
- −19 countries only — UK, EU, Canada all blocked
- −US: select states only
- −Penalty fees on late/returned/liquidation events
- −USDC only — no BTC/ETH support
- −Newer service (late 2024 launch)
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
0%
FX fee
1%
Issuance
$15
Monthly
Free
Cost / $100
$0.00
0% transaction, 0% interest from Avici. Issuance: $15 first virtual card, $10 each additional (Platinum tier); $50 one-time physical card. FX: currently 1% (max disclosed 3%, charged by Visa). Cross-border: currently 0% (max disclosed 3%). ATM $1 + 0.65% per withdrawal, plus $0.60 balance-inquiry and $0.60 decline fees. $250/day transaction limit. Penalty fees on late/returned/liquidation events. Available in 19 countries (US select states, LATAM, Africa, APAC, MEA); blocked in UK, EU, Canada.
COVERAGE
Where it works.
Supported coins
USDC
Chains
EthereumPolygonOptimismArbitrum
Use cases
Online · IRL · ATM
Blocked countries
GBCAEU
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
—/5
0 reviews
Monetiro score
63/100
Verified July 21, 2026
ALTERNATIVES