Avici Card

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Avici Card scores 8 of 16 on the CBL Card Score. Avici, Visa. Self-custodial escrow contract your wallet owns. Third National named; no licence published.

CBL Card Score: 8 of 16

Criterion	Points	What we found	Source
Custody	2 of 2	Self-custodial secured credit card. USDC goes into a Loan Escrow smart contract owned by the user's wallet; "these contracts are self-custodial and neither Third National or Avici or Visa controls the loan contract" and "Only user's wallet can withdraw funds from escrow contract after deducting the spends" (official, docs.avici.money, Secured Credit Cards, checked 20 Oct 2026). The terms add "Avici and Issuer will not, in any circumstance, be holding custody of your Collateral" (official, card terms, updated 23 Jun 2025). Spent USDC is liquidated from the contract every one to seven days to settle with Visa (official, docs).	official checked 20 October 2026
Issuer and licence	1 of 2	Third National, under licence from Visa; no bank or e-money licence, regulator or register reference published (official, card terms, updated 23 Jun 2025, and docs introduction). Third parties report Rain as the current issuing partner (third-party: kkinvesting, 20 Oct 2026).	official checked 20 October 2026
Availability	0 of 2	The official regions page lists 49 countries and territories plus the US in 31 named states. The UAE is on the list. No EU country, the UK and Saudi Arabia are not listed, and "jurisdictions not mentioned above may still be restricted or unsupported" (official, docs.avici.money, Regions and Prohibitions for Avici Card, checked 20 Oct 2026). Residents of 17 countries are prohibited, including India, Israel, Russia, Turkey and Ukraine (official). A review confirms Europe, the UK and Canada as excluded (third-party: SpendNode, 16 Oct 2026). No waitlist (official). Gulf served through the UAE only.	official checked 20 October 2026
FX fee on a foreign-currency purchase	1 of 2	"FX markup: 0%" from Avici; "Cross-border: Visa may charge 0.4% to 1% on non-USD transactions" (official, docs.avici.money, Fees and Limits, checked 20 Oct 2026). The card terms give "Foreign Exchange Fee (non USD): up to 3%, currently 1% (Charged by Visa, There is no markup from Avici)" and "Cross Border Fee: up to 3%, currently 0%" (official, card terms, fees effective 5 Dec 2024). The card is USD-native, so a European cardholder pays the Visa cross-border charge on euro and dirham purchases alike. A test measured 1.62% all-in against mid-market (third-party: SpendNode, 16 Oct 2026). Scored at the published 1% Visa charge.	official checked 20 October 2026
Funding cost	0 of 2	Every card is bought. Platinum: virtual $15 for the first card and $10 for each additional, physical $50 one-time, no recurring charge. Signature: virtual $30 in year one then $20 a year, physical $75 then $20 a year from year two (official, docs.avici.money, Fees and Limits, checked 20 Oct 2026). Standard delivery free and untracked in three to four weeks; priority $50 international or $15 in the US (official). Top-up or withdrawal to wallet: no fee; transaction fees $0 (official). No monthly fee; no inactivity fee published (official).	official checked 20 October 2026
Apple Pay and Google Pay	2 of 2	"just add it to apple pay or google pay and start spending online or offline immediately", with "no extra charges" (official, docs.avici.money, Secured Credit Cards FAQs, checked 20 Oct 2026). Also stated on the homepage and docs introduction (official).	official checked 20 October 2026
Freeze and dispute policy	1 of 2	Card can be frozen in the app "to prevent any further charges" (official, docs FAQs). Disputes: only transactions above $30 are eligible, filing costs a non-refundable $35 in USDC or USDT, subscriptions are excluded, and "Refunds depend on the outcome of the review. They are not guaranteed" (official, docs FAQs, checked 20 Oct 2026). Terms: report a disputed charge "no more than 60 days after the disputed Charge is posted"; no liability for unauthorised use after notifying Avici by email, possible liability before (official, card terms, updated 23 Jun 2025). No response time published; the only timed step is ten business days to answer a Notice of Dispute before arbitration (official, card terms).	official checked 20 October 2026
Yield on idle balance	1 of 2	Grow Stablecoin Yields pay daily rewards on USDC, USDT, EURC and others; no rate is quoted in the docs and the card cannot spend from Grow, since the card only draws on USDC in its escrow contract (official, docs.avici.money, Grow, checked 20 Oct 2026). No yield on the escrow collateral (official, Secured Credit Cards page). An "instant DeFi yield" Grow feature was announced 22 Apr 2026 (third-party: SpendNode, 16 Oct 2026).	official checked 20 October 2026

Total 8 of 16. Official means the company's own site, terms or help centre. Third-party means a named review site with its own check date; a third-party fact is reported, not verified, and the score stands until an official source confirms or contradicts it.

Score history

20 October 2026

8 of 16

First score

Standing

Company	Avici Inc., 300 4th St, San Francisco 94107 (official, avici.money footer, checked 20 Oct 2026). The card agreement is between the holder, Avici Inc. and the Issuer, named as Third National, which issues "under license from Visa"; governing law is Puerto Rico (official, Avici Card terms of service, updated 23 Jun 2025). No regulator or licence number is published for Third National (official). Two October 2026 reviews name Rain as the issuing partner instead (third-party: kkinvesting, 20 Oct 2026; SpendNode, 16 Oct 2026). Fiat on-ramp accounts through Iron per the docs introduction, or Bridge per SpendNode (official docs; third-party).
Network	Visa (official; "The card program is issued by the Issuer under license from Visa", card terms). official
Rails	Avici Inc. names Third National as the card issuer under licence from Visa (official). USDC collateral stays in a smart contract the user's wallet owns; neither Avici nor the issuer takes custody (official).
Website	avici.money
Health tag	Watch The named issuer, Third National, has no published licence or regulator, the card terms date from June 2025 while third parties now name Rain as issuer, and the $35 non-refundable dispute fee is unusual, with no enforcement action or funds-access failure found (official terms and docs; third-party reviews).
Last checked	20 October 2026

When it goes wrong

Card can be frozen in the app "to prevent any further charges" (official, docs FAQs). Disputes: only transactions above $30 are eligible, filing costs a non-refundable $35 in USDC or USDT, subscriptions are excluded, and "Refunds depend on the outcome of the review. They are not guaranteed" (official, docs FAQs, checked 20 Oct 2026). Terms: report a disputed charge "no more than 60 days after the disputed Charge is posted"; no liability for unauthorised use after notifying Avici by email, possible liability before (official, card terms, updated 23 Jun 2025). No response time published; the only timed step is ten business days to answer a Notice of Dispute before arbitration (official, card terms).

The dispute route, in order: the company's own support desk, then the card network's chargeback rules, then the regulator of the issuer where one is named. A frozen card is a question, not a verdict: the Frozen Account Survival Kit applies to cards too.

Costs

FX	"FX markup: 0%" from Avici; "Cross-border: Visa may charge 0.4% to 1% on non-USD transactions" (official, docs.avici.money, Fees and Limits, checked 20 Oct 2026). The card terms give "Foreign Exchange Fee (non USD): up to 3%, currently 1% (Charged by Visa, There is no markup from Avici)" and "Cross Border Fee: up to 3%, currently 0%" (official, card terms, fees effective 5 Dec 2024). The card is USD-native, so a European cardholder pays the Visa cross-border charge on euro and dirham purchases alike. A test measured 1.62% all-in against mid-market (third-party: SpendNode, 16 Oct 2026). Scored at the published 1% Visa charge. official
Funding	Every card is bought. Platinum: virtual $15 for the first card and $10 for each additional, physical $50 one-time, no recurring charge. Signature: virtual $30 in year one then $20 a year, physical $75 then $20 a year from year two (official, docs.avici.money, Fees and Limits, checked 20 Oct 2026). Standard delivery free and untracked in three to four weeks; priority $50 international or $15 in the US (official). Top-up or withdrawal to wallet: no fee; transaction fees $0 (official). No monthly fee; no inactivity fee published (official). official
ATM	Platinum $1 plus 0.65% per withdrawal, $0.60 per decline or balance inquiry; Signature $0 Avici fee; both $1,000 per transaction, $3,000 a day, three transactions a day; ATM operators may charge (official, docs, Fees and Limits).
Tiers	Platinum (basic) and Signature (Visa Signature perks, lounge access); Infinite "Coming soon" (official, docs, Virtual and Physical Cards).

Cashback, as of 20 Oct 2026

None on the card. Referral programme only; a 5% cashback on one user-chosen category appears as a 15 Apr 2026 update on a review page but not in the official fees or FAQ pages (third-party: SpendNode, 16 Oct 2026; official docs, checked 20 Oct 2026).

Cashback is a dated fact, not part of the Card Score. Promo rates change too often to score.

Availability

The official regions page lists 49 countries and territories plus the US in 31 named states. The UAE is on the list. No EU country, the UK and Saudi Arabia are not listed, and "jurisdictions not mentioned above may still be restricted or unsupported" (official, docs.avici.money, Regions and Prohibitions for Avici Card, checked 20 Oct 2026). Residents of 17 countries are prohibited, including India, Israel, Russia, Turkey and Ukraine (official). A review confirms Europe, the UK and Canada as excluded (third-party: SpendNode, 16 Oct 2026). No waitlist (official). Gulf served through the UAE only. official

Identity checks: Identity verification through Sumsub with document upload and liveness check; results shared with Visa and partners when required (official, docs FAQs; third-party: kkinvesting, 20 Oct 2026).

What we still need confirmed

Facts marked official come from Avici's own pages or terms. Facts marked third-party are reported by a named review site and count as reported, not verified. These items are open for the next Monday sweep:

• Current issuer: Third National in the June 2025 terms, Rain in October 2026 reviews. Rescore issuer to 2 if a bank or EMI licence is published for whichever entity issues today. open
• Any EU, UK or Saudi launch. Rescore availability to 1 if either the EU or the UK joins the UAE on the official list. open
• Whether Visa's cross-border charge on a euro purchase by a European holder is under 1.5% in practice; SpendNode measured 1.62% all-in. Rescore fx to 0 if the effective rate is above 1.5%. open
• Dispute response time. Rescore freeze to 2 if one is published. open
• Whether Grow yield can fund card spend without a transfer. Rescore yield to 2 if idle card collateral earns with no lock, to 0 if Grow is treated as a separate product from the card account. open
• tile_color taken from the dominant colour of the logo file in assets/logos/ on 20 Oct 2026; confirm against brand assets. open

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