Tria Card

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Tria Card scores 7 of 16 on the CBL Card Score. Tria, Visa. Self-custodial; collateral stays in your wallet. Nimbus, LLC, Delaware; no licence published.

CBL Card Score: 7 of 16

Criterion	Points	What we found	Source
Custody	2 of 2	Self-custodial. Funds stay in the user's Tria wallet until a payment is made and convert at the point of sale through BestPath AVS (official, help.tria.so, What are Tria Cards). The card terms state "Tria or Issuer will not, in any circumstance, be holding custody of your Collateral" and "Tria or Issuer is not a custodian or owner of your Collateral" (official, card terms international, updated 9 Jan 2026). The wallet uses a threshold signature scheme and Tria never holds the private keys (third-party: kkinvesting, 20 Oct 2026). The international card is a credit line secured by crypto collateral in the user's linked wallet, which the issuer may liquidate after a Liquidation Event (official, card terms).	official checked 20 October 2026
Issuer and licence	1 of 2	Nimbus, LLC, "a Delaware U.S. corporation", for cards outside the US; Third National for US cards (official, card terms international and US, updated 9 Jan 2026). Neither is described as a bank or e-money institution and no licence, regulator or register reference is published (official). Governing law is Puerto Rico (official).	official checked 20 October 2026
Availability	0 of 2	The international terms say the card "may not be available in all jurisdictions" and require the holder to attest they are not a US citizen; US residents get the Third National card under separate terms (official, checked 20 Oct 2026). The help centre publishes no country list and shows unsupported countries a "we are working to bring the card to your region" message (official, help.tria.so, How to get a Tria Card). Country pages mark the European Union, United Kingdom and United Arab Emirates as "available" (third-party: penchan.co, checked 2 Oct 2026). A card aggregator lists seven countries: UAE, Australia, Canada, Germany, UK, Hong Kong and US (third-party: DefiLlama, verified 19 Sep 2026). Excluded: residents of Russia, Turkey, India, Vietnam, Israel, Ukraine and OFAC-sanctioned regions (third-party: kkinvesting, 20 Oct 2026). No waitlist. Only regions named as served on an official page count, so the EU, the UK and the UAE stay unconfirmed.	official checked 20 October 2026
FX fee on a foreign-currency purchase	0 of 2	The published fee schedule, effective 31 Oct 2025, lists "Foreign exchange: up to 3%" and "International transactions: up to 1%" on all card types (official, card terms international, updated 9 Jan 2026). The help centre says memberships carry "zero Tria FX fees" while "Visa FX fees may still apply" (official, help.tria.so, What are Tria Memberships, checked 20 Oct 2026). The two official pages conflict; the fee schedule in the terms is scored. A European cardholder spending in dollars or dirhams faces up to 4% combined (third-party: penchan.co, 2 Oct 2026).	official checked 20 October 2026
Funding cost	0 of 2	Every card sits behind a paid annual membership; no free tier is published (official, help.tria.so, What are Tria Memberships). Card issue and annual fee: Virtual $25, Plastic $109, Metal $250 (official, card terms international, fee disclosures effective 31 Oct 2025). Lite membership quoted at US$20 for the first year (third-party: penchan.co, 2 Oct 2026). USDC settlement or deposit fee up to 1% (official, card terms). Monthly fee 0% (official). Tria charges no top-up service fee, network fees may apply (official, help centre; third-party: penchan.co). The membership fee is paid before KYC and is usually not refunded if verification fails (third-party: kkinvesting and penchan.co). Physical cards go out in batches once a country is enabled (official, help centre).	official checked 20 October 2026
Apple Pay and Google Pay	2 of 2	"Apple Pay and Google Pay are supported where available" (official, help.tria.so, What are Tria Cards, checked 20 Oct 2026). Virtual cards can be added right after activation (third-party: kkinvesting, 20 Oct 2026).	official checked 20 October 2026
Freeze and dispute policy	1 of 2	International terms: "You must report any disputed Charge or error no more than 60 days after the disputed Charge is posted"; no response time is given, and the holder is not liable for unauthorised use after notifying Tria by email (official, card terms international, updated 9 Jan 2026). Tria and the issuer "reserve the right to block and terminate transactions and suspend access to your Account" (official, section 5). US terms add a 30-day acknowledgement and 90-day resolution for billing errors (official, card terms US). No complaints procedure beyond emailing Tria (official).	official checked 20 October 2026
Yield on idle balance	1 of 2	Earn moves assets from the wallet into on-chain vaults run by Upshift with strategies managed by Sentora; "Tria does not take custody of user assets" (official, docs.tria.so/legal-docs/earn). Rates are "as published on the Tria Platform" and not stated in the terms; the site advertises up to 15% and the membership article gives up to 6% on Lite, 10% on Pro and 15% on Max (official, tria.so and help centre). Withdrawals are processed "within thirty (30) days of your withdrawal demand", fixed-term products cannot be withdrawn before maturity, and staking TRIA unlocks "improved Earn APYs" (official, Earn terms). The card spends from the wallet, so funds in Earn are not directly spendable (official).	official checked 20 October 2026

Total 7 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

7 of 16

First score

Standing

Company	Tria, operated by Threely Dimensions Inc., which the card terms call a "technology provider" and not the issuer, creditor or lender (official, docs.tria.so/card-terms-international, updated 9 Jan 2026). International cards are issued by Nimbus, LLC, a Delaware company, "under license from Visa"; US cards are a secured credit card issued by Third National (official, docs.tria.so/card-terms-us, updated 9 Jan 2026). No regulator or licence number is named for either issuer (official). The Earn terms name the entity inconsistently as Threely Dimensions Inc. and Tria Systems Inc. (official, docs.tria.so/legal-docs/earn).
Network	Visa (official; "The Card is issued by the Issuer under license from Visa", card terms international). official
Rails	Nimbus, LLC issues the international card under licence from Visa and Third National issues the US card; Tria (Threely Dimensions Inc.) is the technology provider (official). Crypto collateral stays in the user's own wallet and neither Tria nor the issuer takes custody (official).
Website	www.tria.so
Health tag	Watch The named issuer, Nimbus, LLC, is a Delaware company with no published licence or regulator, and Tria's own fee schedule contradicts its help centre on FX fees, while no enforcement action or funds-access failure was found (official terms; third-party reviews).
Last checked	20 October 2026

When it goes wrong

International terms: "You must report any disputed Charge or error no more than 60 days after the disputed Charge is posted"; no response time is given, and the holder is not liable for unauthorised use after notifying Tria by email (official, card terms international, updated 9 Jan 2026). Tria and the issuer "reserve the right to block and terminate transactions and suspend access to your Account" (official, section 5). US terms add a 30-day acknowledgement and 90-day resolution for billing errors (official, card terms US). No complaints procedure beyond emailing Tria (official).

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	The published fee schedule, effective 31 Oct 2025, lists "Foreign exchange: up to 3%" and "International transactions: up to 1%" on all card types (official, card terms international, updated 9 Jan 2026). The help centre says memberships carry "zero Tria FX fees" while "Visa FX fees may still apply" (official, help.tria.so, What are Tria Memberships, checked 20 Oct 2026). The two official pages conflict; the fee schedule in the terms is scored. A European cardholder spending in dollars or dirhams faces up to 4% combined (third-party: penchan.co, 2 Oct 2026). official
Funding	Every card sits behind a paid annual membership; no free tier is published (official, help.tria.so, What are Tria Memberships). Card issue and annual fee: Virtual $25, Plastic $109, Metal $250 (official, card terms international, fee disclosures effective 31 Oct 2025). Lite membership quoted at US$20 for the first year (third-party: penchan.co, 2 Oct 2026). USDC settlement or deposit fee up to 1% (official, card terms). Monthly fee 0% (official). Tria charges no top-up service fee, network fees may apply (official, help centre; third-party: penchan.co). The membership fee is paid before KYC and is usually not refunded if verification fails (third-party: kkinvesting and penchan.co). Physical cards go out in batches once a country is enabled (official, help centre). official
ATM	Up to $2 plus 3% per withdrawal, up to $2 per balance inquiry or decline (official, card terms international). Pro and Max allow up to $750 a day; Lite has no ATM access (official, help centre).
Tiers	Lite (virtual), Pro (plastic) and Max (metal) annual memberships, called Virtual, Signature and Premium in the terms; $25, $109 and $250 a year (official, card terms). Lounge access on Pro and Max (official, help centre).

Cashback, as of 20 Oct 2026

Virtual 1.5% up to $100 spend a month then 0.5%; Signature 4.5% up to $1,000 then 1%; Premium 6% up to $2,000 then 1% (official, docs.tria.so/card-cashback-terms, last updated 1 Jun 2026). Paid in USDC or USDT to the connected wallet no later than 12 months after the period; forfeited if the account is closed; staking badges add 0.25% to 2% within the cap (official). The help centre gives Lite a $1,000 cap, which conflicts with the terms (official, help centre).

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

Availability

The international terms say the card "may not be available in all jurisdictions" and require the holder to attest they are not a US citizen; US residents get the Third National card under separate terms (official, checked 20 Oct 2026). The help centre publishes no country list and shows unsupported countries a "we are working to bring the card to your region" message (official, help.tria.so, How to get a Tria Card). Country pages mark the European Union, United Kingdom and United Arab Emirates as "available" (third-party: penchan.co, checked 2 Oct 2026). A card aggregator lists seven countries: UAE, Australia, Canada, Germany, UK, Hong Kong and US (third-party: DefiLlama, verified 19 Sep 2026). Excluded: residents of Russia, Turkey, India, Vietnam, Israel, Ukraine and OFAC-sanctioned regions (third-party: kkinvesting, 20 Oct 2026). No waitlist. Only regions named as served on an official page count, so the EU, the UK and the UAE stay unconfirmed. official

Identity checks: Personal details, identification documents and a selfie; 18 or older and physically present in the selected country at application (official, help.tria.so, How to get a Tria Card). Verification run by Sumsub (third-party: kkinvesting, 20 Oct 2026).

What we still need confirmed

Facts marked official come from Tria'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:

• An official country list. Rescore availability to 1 if two of EU, UK and Gulf are named, 2 if all three. open
• Official country list for the international card. Rescore availability to 1 if the EU, UK or UAE is not served. open
• Which FX figure applies today, the terms' up to 3% plus 1% or the help centre's zero Tria FX. Rescore fx to 2 if Tria confirms 0% with no markup on the Visa rate, to 1 if the real rate is 1.5% or under. open
• Nimbus, LLC licence type and regulator. Rescore issuer to 2 if a bank or EMI licence is published. open
• Lite membership price today ($25 in the terms, US$20 first year on third-party pages) and whether any free card exists. Rescore funding to 1 if a free card appears with a deposit fee under 1%. open
• Response time for international disputes. Rescore freeze to 2 if one is published. open
• tile_color taken from the dominant colour of the logo file in assets/logos/ on 20 Oct 2026; confirm against brand assets. open

See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.

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