Secured credit card powered by self-custodial smart contracts across 12 chains. Use Avici promo code yzzogf through SpendNode to get an advertised $8 reward after card purchase. Terms apply.
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SpendNode Rating for Avici
3.6/5
Known for: secured credit structure
Avici stands out more for structure than for excitement. The concept is serious, but the lineup is still thinner and less battle-tested than the names above it.
There is a credible trust and credit angle here, especially for users who want collateral-backed spending. The weaker spot is market weight and real-world product momentum.
Issuer Snapshot
Active Products2
Editorial vendor score stays separate from user reviews. Methodology
The Avici Card is a self-custodial secured Visa credit card program with two tiers. The first Platinum virtual card costs $15, subsequent virtual cards cost $10, and a physical Platinum costs $50; none has a renewal fee. Signature costs $30 for a virtual card or $75 for a physical card in the first year, and either option renews at $20 a year. The cards are issued by Rain and powered by a ZeroDev smart wallet with loan escrow.
Use Avici promo code yzzogf through SpendNode's Avici signup link. Purchase a card and claim the advertised $8 reward. Avici normally shows a $5 reward without SpendNode's code.
Supports 12 blockchain networks (Ethereum, Polygon, OP, Base, Arbitrum, Avalanche, BNB, Monad, Mantle, Abstract, Scroll, Solana), Bridge fiat rails for USD/EUR virtual accounts, USDC-only spending, and availability across 50 listed markets (not Europe, not UK).
Avici is not a debit card. It is a secured credit card - a fundamentally different model from every other crypto card on the market. You deposit USDC into a loan escrow smart contract that you own, receive equivalent USD credit on a Visa card, and spend at 100M+ merchants worldwide. When you swipe, the corresponding USDC is liquidated within 1-7 days to settle with Visa. If Avici or Rain disappears, your unspent USDC remains in your contract and you can withdraw it using any standard blockchain interface.
We tested the escrow withdrawal flow and confirmed this creates insolvency protection that custodial cards cannot match. When FTX collapsed, FTX cardholders lost access to their funds. When Celsius froze withdrawals, Celsius cardholders lost access. With Avici, neither Rain nor Avici nor Visa controls the loan contract. Only your wallet can withdraw unspent funds from the escrow after deducting charges.
In this review, the trade-off is explicit: zero cashback, zero rewards. Avici is sovereignty-first. Every dollar of value goes into the self-custodial architecture rather than marketing cashback programs. For users who experienced the exchange collapses of 2022-2023, that trade-off may be worth it.
SpendNode app screenshot
Avici app main screen confirming self-custodial credit card model: "Self custody, only you have access to funds at all times so you can withdraw to any wallet."
The Avici Platinum is the entry-level self-custodial secured credit card. With Free annual fee and 0% FX markup, it is a cost-effective off-ramp for USDC holders who want sovereignty over their spending. The trade-off is ATM withdrawal fees and no rewards - but for users who value custody above cashback, that is a fair deal.
+$15 first virtual card; subsequent cards cost $10
+0% FX markup and $0 transaction fees
+Self-custodial loan escrow smart contract
+Apple Pay and Google Pay supported
Option 2
2. Avici Signature Card
Premium Self-Custody: Visa Signature Perks + Zero ATM Fees
The Avici Signature adds Visa Signature benefits on top of the self-custodial foundation. The virtual card costs $30 in year one, the physical card costs $75, and either renews at $20 a year. That buys zero Avici ATM fees and Visa Signature benefits without staking an exchange token.
+Visa Signature lounge access and travel insurance
+$0 ATM withdrawal fees
+0% FX markup and $0 transaction fees
+Self-custodial loan escrow smart contract
Avici Promo Code yzzogf: Get $8
Open SpendNode's Avici signup link to apply promo code yzzogf automatically. Avici currently confirms an $8 reward after card purchase, compared with the usual $5 reward shown without SpendNode's code.
Before ordering, you can also check our current crypto card promo codes for other active signup offers and their qualification rules.
Offer detail
Current Avici offer
Avici promo code
yzzogf
Advertised reward
$8 after purchasing a card and claiming the reward
How the code is applied
Automatically through SpendNode's link, or manually through the gift-box icon
If you opened Avici directly instead, go to the card-order screen and tap the gift-box icon in the upper-right corner, then enter yzzogf before buying the card.
Confirm that Avici shows "You will receive $8" and says to purchase the card and claim the reward.
Complete verification, purchase a Platinum or Signature card, and claim the reward in Avici.
SpendNode app screenshot
SpendNode app screenshot
The gift-box icon opens Avici's invitation flow. With yzzogf attached, the app confirms an $8 reward after card purchase.
The invitation stays attached to the account. The reward is not granted for registration or identity verification alone: Avici's confirmation requires the invited user to purchase a card and claim it.
FX fee: 0% from Avici (Visa may charge 0.4-1% cross-border on non-USD)
Transaction fee: $0
ATM: $0 Avici fee, $1,000 per withdrawal, $3,000/day, 3 transactions/day; ATM operators may charge
Rewards: None
Visa Signature perks: Lounge access (via Visa Airport Companion app), travel insurance, airport transportation, extended warranty
Best for: Frequent travelers who want lounge access and travel insurance without staking $4,000+ in exchange tokens
Business Cards
Same fee structure and limits as personal tiers, designed for startups, DAOs, freelancers, and distributed teams. Same self-custodial architecture with separate business escrow contracts.
A Visa Infinite tier is listed as coming soon, which would add complimentary lounge visits (Signature currently requires the Visa Airport Companion app with no free visits from the card issuer).
Technology: ZeroDev Smart Wallet + Loan Escrow
The Avici wallet is built on ZeroDev, a smart contract wallet framework that replaces traditional private keys with smart contract security. Login uses social accounts (Google/iCloud) with mandatory biometric passkeys - every transaction requires passkey approval.
How the Secured Credit Model Works
Deposit: You send USDC to a loan escrow smart contract on any of the 12 supported chains
Credit: Avici converts the USDC deposit into equivalent USD credit on your Visa card
Spend: When you swipe, USD credit is deducted from your card balance
Settlement: Within 1-7 days, the corresponding USDC is liquidated from your escrow and sent to Visa via Rain
Sovereignty: Unspent USDC remains in your escrow. Only your wallet can withdraw it
This is not a top-up model (like Crypto.com or Bybit where you sell crypto and load fiat). It is not a debit model (like MetaMask or Gnosis Pay where crypto is converted at point-of-sale). It is a collateralized credit line where your USDC acts as collateral and the credit is denominated in USD.
Relay Protocol: Spend Any Token
You can top up by swapping any ERC-20 or SPL token directly to your card balance using the Relay Protocol integration. Gas is sponsored on all L2 chains and Solana (5 free daily transactions). Ethereum mainnet requires user-paid gas.
12 Supported Chains - Best-in-Class
Chain Type
Networks
EVM L1
Ethereum, Avalanche, BNB Smart Chain
EVM L2
Polygon, OP Mainnet, Base, Arbitrum One, Mantle, Abstract, Scroll
Upcoming EVM
Monad
Non-EVM
Solana (with exportable private keys)
This is significantly more chain coverage than any competitor. Gnosis Pay supports Gnosis Chain only. Ready's former program ran on Starknet only. MetaMask supports Linea, Base, and Solana (3 chains). ether.fi supports Ethereum only. Avici's 12-chain support means you can fund your card from virtually any major blockchain ecosystem.
How to Apply for an Avici Card
Start with promo code yzzogf. Open SpendNode's Avici signup link. The link applies yzzogf automatically and currently advertises an $8 reward after card purchase. If you start in the app instead, enter the code through the gift-box icon before ordering.
Create a personal or business account. Sign up with email, tap to generate a card, and select the appropriate account type.
Complete identity verification. Choose your country of residence, enter your details, upload an identity document, and complete Sumsub's liveness check. Avici says verification normally takes a few minutes.
Choose a card. Open Card, tap the menu, select Add Card, then choose Platinum or Signature and virtual or physical format.
Review the price and place the order. Select the asset used to pay the card fee and confirm the order. For a physical card, enter the delivery country, postal code, and address before payment.
Fund the secured credit line. Deposit USDC from a supported chain or swap another supported token through Relay. The escrowed USDC creates the equivalent USD spending power.
Activate and use the card. The virtual card appears in Avici after issuance and can be added to Apple Pay or Google Pay. A physical-card order becomes usable virtually once its details appear in the app.
Fees and Rates
Fee
Platinum
Signature
Virtual card price
$15 first card; $10 each after
$30 first year, then $20/year
Physical card price
$50 one-time
$75 first year, then $20/year
Transaction fee
$0
$0
FX markup (Avici)
0%
0%
FX (Visa cross-border)
0.4-1% on non-USD
0.4-1% on non-USD
ATM fee
$1 + 0.65%
$0
ATM declined fee
$0.60
$0
ATM balance inquiry
$0.60
$0
ATM limit
$1,000/withdrawal; $3,000/day (3 tx/day)
$1,000/withdrawal; $3,000/day (3 tx/day)
SpendNode tested FX fee:1.62% all-in versus mid-market on both Platinum and Signature.
Signature vs Platinum: When to Upgrade
The virtual Signature costs $15 more than the first virtual Platinum card in year one and $20 more in each renewal year. It eliminates Avici's ATM fee. At a representative $250 withdrawal, Platinum costs $2.63 and Signature costs $0 before any operator fee.
$250 ATM Withdrawals
Platinum ATM Fees
Signature's Extra Card Cost
Net Signature Savings
6 in year one
$15.75
$15
$0.75
8 in a renewal year
$21.00
$20
$1.00
12 in a year
$31.50
$15 first year / $20 after
$16.50 / $11.50
At this withdrawal size, Signature breaks even after about six withdrawals in year one and eight in later years. ATM operator fees can still apply to either card.
Rewards and Cashback
Avici offers zero cashback, zero rewards, zero points. Reviewing the entry cards reveals the exact cost of sovereignty:
Avici Platinum: 0% cashback, $15 first virtual-card fee
On $1,000/month spending, ether.fi earns you $360/year. KAST earns up to $180/year before FX. MetaMask earns $120/year. Avici earns $0. The value is entirely about sovereignty and insolvency protection, not financial returns.
Avici vs Other Cards
Use the card comparison tool if you want to place Avici beside a specific alternative and compare fees, custody, rewards, and availability directly.
$15 first virtual, $10 each after, or $50 physical; $0 annual
$30 virtual or $75 physical in year one; $20/year after
$0
$0
120 USDC/year
Cashback
0%
0%
3%
1%
3%
FX fee
0%
0%
0-0.5%
1%
0%
Card type
Secured credit
Secured credit
Credit
Debit
Debit
Custody
Self-custodial
Self-custodial
Self-custodial
Self-custodial
Self-custodial
Chains
12
12
1
3
1
Lounges
No
Yes
No
No
No
Travel insurance
No
Yes
No
No
No
Regions
50 listed markets
50 listed markets
90+ countries
48 countries
EEA/UK
Network
Visa
Visa
Visa
Mastercard
Mastercard
Avici vs ether.fi: ether.fi offers 3% cashback for free - Avici offers 0%. On $1,000/month domestic spending, ether.fi earns +$360/year while Avici earns $0. But Avici supports 12 chains (vs ether.fi's 1), has 0% FX (vs ether.fi's 0-0.5% margin), and the secured credit model provides stronger insolvency protection. In markets where ether.fi is unavailable, Avici's 50-market footprint gives self-custodial users another option.
Avici Signature vs Crypto.com Pro (Jade Green): Crypto.com Pro requires $5,000 CRO staked for 12 months or a $29.99/month subscription (custodial, subject to CRO price volatility) for 3% cashback, lounge access, and 0% FX. Avici Signature costs $30 virtual or $75 physical in year one, then $20/year, for Visa Signature benefits and 0% Avici FX markup - but offers 0% cashback. It is the lower-commitment option for users who prioritize self-custody over rewards.
Avici vs MetaMask: MetaMask Virtual offers 1% cashback with 1% cross-border fee across 48 countries. Avici offers 0% cashback with 0% Avici FX markup across 50 listed markets. MetaMask wins on rewards. Avici wins on chain support (12 vs 3), lower issuer FX cost, and the secured credit model. MetaMask Metal ($199/year) has 0% FX and 3% cashback but caps the 3% at $10,000 annual spend. Both are self-custodial at the entry tier.
Who Should Use Avici?
After a thorough review of both tiers, the verdict splits clearly by user priority.
Use Avici if:
You prioritize self-custody and insolvency protection above all else (zero rewards is an acceptable trade-off)
You hold USDC across multiple chains and want one card that accepts funding from 12 networks
You want Visa Signature perks without staking thousands in tokens and accept the $30 virtual or $75 physical first-year price plus $20 annual renewal
You are in one of Avici's 50 listed markets across the Americas, Asia-Pacific, or Africa (not Europe or the UK)
Start with the $15 first virtual Platinum Card; choose Signature if you use ATMs or want travel perks
You are in Europe/UK: Gnosis Pay (up to 5%) or Bleap (2% base)
You want a proven platform with years of card history: Crypto.com (7+ years)
You need cashback on ATM-heavy spending rather than Avici Signature's fee-free withdrawals
Visa Network Benefits by Tier
Both tiers include standard Visa network benefits managed by Visa (not Avici). These are genuine perks included with the card tier - verified from the live app:
Visa Platinum Benefits (Included with Platinum Tier)
SpendNode app screenshot
SpendNode app screenshot
Bloomberg Linea: Months of free Bloomberg Linea access (financial news/data)
Disney+: Months of free Disney+ entertainment
Skybox: 36 months free membership (international package forwarding - relevant for cross-border shoppers)
Visa Airport Companion: Airport transportation booking
Visa Digital Concierge: 24/7 personal assistance
Visa Luxury Hotel Collection: Premium hotel rates and perks
Visa Online Medic: International medical services
Price Protection + Purchase Protection: Standard Visa buyer protections
Visa Signature Benefits (Included with Signature Tier)
All Platinum benefits plus:
SpendNode app screenshot
Visa Travel Experience: Premium hotel offers and exclusive rates
Enhanced Digital Concierge: 24/7 personal assistant with premium access
Enhanced Luxury Hotel Collection: Higher-tier hotel benefits
The Skybox benefit (36 months free international package forwarding) is particularly valuable for the non-European markets Avici serves. Users in LATAM, APAC, and MEA can forward purchases from US retailers to their local address - a practical perk that most crypto cards do not offer.
Is Avici Safe?
Card issuer: Rain (Visa international credit card issuer)
Fiat rails: Bridge (USD and EUR virtual bank accounts)
Smart wallet: ZeroDev with biometric passkey approval on every transaction
Self-custodial: Neither Rain nor Avici nor Visa controls your loan escrow contract
Chain security: Gas sponsored on all L2s and Solana (5 free daily transactions)
Processing: US-based entity for card transactions
Network: Visa with zero fraud liability
The tripartite architecture (Avici wallet + Rain card issuance + Bridge fiat rails) distributes counterparty risk in a way we have not seen in any other reviewed crypto card. If Avici fails, your USDC is in a smart contract you can interact with independently. If Rain fails, Visa's settlement obligations still apply. This layered approach provides stronger protection than single-entity custodial cards.
Is Avici a Scam?
Avici is not a scam. The product model is unusual - a secured credit card rather than a debit or top-up card - but the stack described on this page is fully disclosed and independently verifiable:
1. The issuer stack is transparent and multi-party. The card is issued by Rain (a Visa international credit card issuer), fiat rails run through Bridge (USD and EUR virtual bank accounts), and the smart wallet layer is built on ZeroDev, a smart contract wallet framework. That is three separately-named entities, each doing one job. A scam product is typically a single opaque brand; Avici explicitly breaks the function into pieces you can verify individually.
2. The self-custody claim is testable, not a marketing line. Your USDC sits in a loan escrow smart contract on one of 12 supported chains. Neither Rain nor Avici nor Visa controls that contract - only your wallet can withdraw unspent funds. That means the FTX-Celsius failure mode (exchange freezes withdrawals, cardholders lose access) is structurally blocked here.
When you stop using the card, you can pull your remaining USDC back to any standard blockchain interface. This is the one scam-adjacent claim that matters most on any crypto card, and here it is architecturally enforced rather than promised.
3. Transaction security is not optional. The ZeroDev smart wallet uses mandatory biometric passkey approval on every transaction. KYC is handled by SumSub with continuous AML monitoring - a widely-used identity verification provider, not a custom in-house flow. The card runs on the actual Visa network with zero fraud liability, not a white-label prepaid brand.
4. Documentation is public. The sources list at the bottom of this page links directly to Avici's fee schedule, limits, country list, and prohibitions on the Avici docs site. You can verify every number on this page against those primary sources.
What to be aware of
Narrow geographic footprint. Available in 50 listed markets across the Americas, Asia-Pacific, and Africa. Europe, UK, India, China, Israel, Turkey, and Russia are excluded, as are 20 US states (full list above).
Zero rewards is a real cost. The sovereignty-first design ships with 0% cashback. Competitors like ether.fi Core (3%), KAST Standard (1.5% USD on first $2K/mo), and MetaMask Virtual (1%) pay meaningful cashback on the same spend. Avici is only rational if the self-custody protection is worth more to you than the forgone rewards.
ATM operators can still charge. Signature removes Avici's withdrawal fee, but it cannot waive a surcharge imposed by the ATM owner.
Newer product. Avici does not have a multi-year live track record in the way that Crypto.com, Coinbase, or Wirex card programs do. The architecture is designed to survive issuer failure, but long-tail operational risk (support quality, dispute handling, real chargeback outcomes) still needs time to prove out.
SpendNode Verified: The editorial team reviewed Avici's issuer identity, product terms, and live card flow per our methodology. Verification is not an endorsement or guarantee.
Countries and Availability
Avici is available in 50 countries as of November 2026. We count a country here when at least one active Avici card variant lists it, so individual product pages may be narrower.
Available Regions
Africa
Cote d'Ivoire (CI), Egypt (EG), Ghana (GH), Kenya (KE), Morocco (MA), Senegal (SN), South Africa (ZA), Uganda (UG), Zambia (ZM)
Americas
Antigua and Barbuda (AG), Argentina (AR), Bahamas (BS), Barbados (BB), Belize (BZ), Bolivia (BO), Brazil (BR), Cayman Islands (KY), Colombia (CO), Costa Rica (CR), Dominican Republic (DO), Ecuador (EC), El Salvador (SV), Grenada (GD), Guatemala (GT), Guyana (GY), Honduras (HN), Mexico (MX), Panama (PA), Paraguay (PY), Peru (PE), Puerto Rico (PR), Saint Kitts and Nevis (KN), Saint Lucia (LC), Saint Vincent and the Grenadines (VC), Suriname (SR), Trinidad and Tobago (TT), Turks and Caicos Islands (TC), United States (US), Uruguay (UY)
Asia
Bangladesh (BD), Hong Kong (HK), Japan (JP), Malaysia (MY), Pakistan (PK), Philippines (PH), Singapore (SG), Thailand (TH), United Arab Emirates (AE)
Oceania
Australia (AU), New Zealand (NZ)
Major Restricted Markets
These major markets are not currently listed for this vendor. Confirm eligibility with the issuer before applying, especially where card tiers have different country rules.
Africa
Nigeria (NG)
Americas
Canada (CA), Chile (CL)
Asia
China (CN), India (IN), Indonesia (ID), South Korea (KR), Taiwan (TW), Turkey (TR)
Europe
Austria (AT), France (FR), Germany (DE), Italy (IT), Netherlands (NL), Poland (PL), Portugal (PT), Spain (ES), Switzerland (CH), United Kingdom (GB)
Our Verdict on Avici
Avici asks a blunt question: what is insolvency protection worth to you? The card pays zero cashback, so $1,000 of monthly spend gives up roughly $360 a year against a free ether.fi Core, and our measured all-in FX cost came to 1.62% despite the 0% Avici markup.
In exchange, unspent USDC remains in a user-controlled loan escrow contract on any of 12 chains. Avici, Rain, and Visa cannot withdraw that balance at their discretion, although the contract does liquidate the corresponding USDC to settle completed card charges and deduct applicable costs. This is the strongest card-provider insolvency protection we have reviewed. For USDC holders in Avici's 50 markets (Europe and the UK are excluded), the $15 first virtual card is a modest price for that separation. Everyone else is paying for protection they may not value.
Real card activity measured from onchain settlement data. Not self-reported.
Latest closed week
Week ending November 1, 2026
Observed spend
$552K
Week over week
+17.7%
Frozen seven-day result using the same measurement boundary as the monthly series. Read the weekly report
Card spend (Oct 2026)
$2.3M
Settlement events
14.7K
Active wallets
Per-chain only
Month over month
-32.4%
Avici Crypto Card Volume: monthly onchain card spend, transaction counts and trend, measured from blockchain settlement data.
Month
Card spend
Settlement events
Nov 2026partial
through Nov 1
$123K
432
Oct 2026
$2.3M
14.7K
Sep 2026
$3.4M
19.6K
Aug 2026
$3.5M
21.4K
Our read: Avici's observed current program settled $3.38M across 19,628 monetary events in September, down 3.5% from August. Solana carried $2.49M and Base $542K. The result excludes an unidentified retired route and is not total Avici card volume.
How this is measured: Successful LiquidateAssets settlements from Avici's Solana collateral program and monetary liquidation transfers from its current Rain statement contract across Base, Polygon, Arbitrum, Optimism and Avalanche. Top-ups, user withdrawals, exploit drains and zero-value retry calls are excluded. This is gross settlement-date spend for the current program. An unidentified retired route is excluded, and later issuer-ledger refunds and chargebacks cannot be netted from public chain data.
Chains: Solana, Base, Polygon, Arbitrum, Optimism, Avalanche - Source: Direct chain data, Dune indexed tables, and public chain explorers; queries by www.spendnode.io - Updated 2026-11-02 - Methodology
Are Avici crypto cards available in the United States?
Yes. Avici crypto cards are available in the United States. Avici excludes 20 US states, so check state eligibility during application before paying for a card.
Is Avici a debit card or a credit card?
Avici is a secured credit card. You deposit USDC into a self-custodial loan escrow smart contract and receive equivalent USD credit on your Visa card. When you spend, the corresponding USDC is liquidated within 1-7 days to settle with Visa.
Where is Avici available?
Avici lists 50 supported markets including the US (31 supported states), Argentina, Australia, Brazil, Hong Kong, Japan, Malaysia, Mexico, Singapore, Thailand, UAE, and Zambia. It is not available in Europe, the UK, India, China, or Russia.
Who issues the Avici card?
Avici cards are issued by Rain as Visa international credit cards. Avici provides the self-custodial wallet and smart contract infrastructure, while Rain handles card issuance and Visa network settlement.
What is the Avici promo code?
The Avici promo code is yzzogf. Use SpendNode's signup link to apply it automatically, or enter yzzogf through the gift-box icon before purchase. Purchase an Avici card and claim the $8 reward in Avici.
Is Avici promo code yzzogf working in November 2026?
Yes. Avici promo code yzzogf is active as of November 4, 2026. Use SpendNode's signup link to apply it automatically, or enter the code through the gift-box icon before purchase. Purchase an Avici card and claim the $8 reward in Avici.
