Avici Card vs Ethena Pay Spend Card
Crypto native
Crypto native
Verdict
- Ethena Pay Spend Card scores higher overall (8.3 vs 6.7 out of 10).
- Avici Card is clearly stronger on: Product features.
- Ethena Pay Spend Card is clearly stronger on: Cashback & rewards.
- For 1,500 EUR/month of spend, Ethena Pay Spend Card comes out about 720 EUR a year ahead on base-tier terms.
Avici Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Product features
Ethena Pay Spend Card is a good fit for
- People who want to keep control of their keys
- Users who need credit rather than a debit/prepaid card
- Everyday spenders who want cashback
Stronger on: Cashback & rewards
Score by criterion
| Criterion | Avici Card | Ethena Pay Spend Card |
|---|---|---|
| Fees | 97 | 100 |
| Cashback & rewards | 0 | 89 |
| Availability | 100 | 100 |
| FX & international | 60 | 60 |
| Product features | 80 | 53 |
| Custody & security | 70 | 70 |
| Credit & financing | 75 | 75 |
| Limits & ATM | 78 | 78 |
| Transparency | 79 | 79 |
| Best for Cashback | 4.3 | 8.6 |
| Best for Travel | 6.9 | 7.6 |
| Best for Self-Custody | 6.4 | 7.5 |
| Best for DeFi Users | 6.2 | 7.7 |
| Best for Stablecoins | 6.3 | n/a |
| Best for High Spenders | 4.7 | 8.1 |
| Best for Low Fees | 8.2 | 8.4 |
| Best for Beginners | 7.7 | 8.0 |
| Best Crypto Credit Card | 6.7 | 8.1 |
Product
Product status
ActiveShow source
Product status: Active
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Active*Show source
Product status: Active
Beta; live in 48 countries, more announced
Source states (paraphrased): Ethena Pay is live in 48 countries across Latin America, the Caribbean, Asia & the Middle East, Africa, and Oceania.
Source: Available Jurisdictions — Ethena Pay
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Beta; live in 48 countries, more announced
Card type
Crypto-backed credit*Show source
Card type: Crypto-backed credit
Secured credit card backed by your own deposit
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Secured credit card backed by your own deposit
Crypto-backed credit*Show source
Card type: Crypto-backed credit
Secured: collateral in your linked self-custodial wallet secures card charges
Source states (paraphrased): Your Ethena Pay Spend Card is a secured product.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Secured: collateral in your linked self-custodial wallet secures card charges
Network
VisaShow source
Network: Visa
Source states (paraphrased): Works anywhere a Visa international card is accepted.
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
VisaShow source
Network: Visa
Source states (paraphrased): The card program is issued by the Issuer under license from Visa.
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Custody model
Self-custody*Show source
Custody model: Self-custody
Funds in a smart contract owned by your wallet; Avici can only withdraw against card charges
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Funds in a smart contract owned by your wallet; Avici can only withdraw against card charges
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): Ethena Pay does not hold, manage, custody, or have access to your funds, digital assets, or wallet credentials.
Source: FAQ — Ethena Pay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 65%
Card issuer / program manager
Third National*Show source
Card issuer / program manager: Third National
Card access provided by Avici Inc.
Source states (paraphrased): The issuer for this card program is Third National.
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Card access provided by Avici Inc.
Third National (issuer); program managed by Signify Holdings, Inc. d/b/a Rain; access via Ethena Pay Ltd. (Malta)Show source
Card issuer / program manager: Third National (issuer); program managed by Signify Holdings, Inc. d/b/a Rain; access via Ethena Pay Ltd. (Malta)
Source states (paraphrased): refers to Third National, including its affiliates, successors, and assigns.
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Tiers / plans
Platinum · SignatureShow source
Tiers / plans: Platinum · Signature
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Standard · Pro · VIPShow source
Tiers / plans: Standard · Pro · VIP
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Fees
Annual fee
Free*Show source
Annual fee: Free
Platinum; Signature costs $30 the first year, then $20/year
Source states (paraphrased): Platinum: one-time fee, no recurring charges. Signature: $30 first year, then $20 annually.
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Platinum; Signature costs $30 the first year, then $20/year
Free*Show source
Annual fee: Free
No recurring subscription or account fees for a standard account
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
No recurring subscription or account fees for a standard account
Monthly fee
FreeShow source
Monthly fee: Free
Source states (paraphrased): Monthly maintenance / account fee: Free.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Physical card fee
$50*Show source
Physical card fee: $50
Platinum; Signature $75
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Platinum; Signature $75
Virtual card fee
$15*Show source
Virtual card fee: $15
Platinum, first card; further cards $10
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Platinum, first card; further cards $10
FreeShow source
Virtual card fee: Free
Source states (paraphrased): Virtual card issuance: Free.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Replacement fee
FreeShow source
Replacement fee: Free
Source states (paraphrased): Replacement card: Free.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
FX fee
1%*Show source
FX fee: 1%
Charged by Visa, no Avici markup; terms allow up to 3%
Source states (paraphrased): Foreign Exchange Fee (non USD): up to 3%, currently 1% (charged by Visa, no markup from Avici).
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Charged by Visa, no Avici markup; terms allow up to 3%
1%*Show source
FX fee: 1%
Card-network conversion fee passed through at cost, typically around 1% and varying by currency; no Ethena Pay markup; USD spend has no conversion cost
Source states (paraphrased): Typically around 1.0%, passed through directly from the applicable card network with no markup.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Card-network conversion fee passed through at cost, typically around 1% and varying by currency; no Ethena Pay markup; USD spend has no conversion cost
Top-up fee
FreeShow source
Top-up fee: Free
Source states (paraphrased): no top-up or withdrawal to wallet fees
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Crypto withdrawal fee
Free*Show source
Crypto withdrawal fee: Free
Withdrawal from card to wallet
Source states (paraphrased): no top-up or withdrawal to wallet fees
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Withdrawal from card to wallet
ATM fee
$1 + 0.65%*Show source
ATM fee: $1 + 0.65%
Listed as maximum charges; FX fee additionally charged on non-USD withdrawals; balance inquiry and decline fees $0.60 each
Source states (paraphrased): ATM - Withdrawal Fee: $1.00 + 0.65%
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Listed as maximum charges; FX fee additionally charged on non-USD withdrawals; balance inquiry and decline fees $0.60 each
$1 + 0.65%*Show source
ATM fee: $1 + 0.65%
Only where ATM access is available; ATM operator surcharges extra
Source states (paraphrased): If ATM access is available: $1.00 plus 0.65% of the withdrawal amount.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Only where ATM access is available; ATM operator surcharges extra
Small transaction fee
Free*Show source
Small transaction fee: Free
No transaction fees
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
No transaction fees
Other fees & markups
Dispute fee of $35 (USDC or USDT), non-refundable; only transactions over $30 can be disputed · Replacing a card (delete and create new) costs the same fees as a new card*Show source
Other fees & markups: Dispute fee of $35 (USDC or USDT), non-refundable; only transactions over $30 can be disputed · Replacing a card (delete and create new) costs the same fees as a new card
No extra charges for Apple Pay / Google Pay spending
Source states (paraphrased): Filing a dispute requires a $35 fee , payable in USDC or USDT .
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
No extra charges for Apple Pay / Google Pay spending
Late payment fee up to $40 · Returned payment fee $29 · ATM operator surcharges · Gas fees of liquidation transactions paid from collateralShow source
Other fees & markups: Late payment fee up to $40 · Returned payment fee $29 · ATM operator surcharges · Gas fees of liquidation transactions paid from collateral
Source states (paraphrased): | Late Payment | Up to $40
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Cashback & rewards
Base cashback
0%*Show source
Base cashback: 0%
No cashback programme (owner research)
Source states (paraphrased): Owner research: Avici has no cashback.
Source: https://avici.money/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
No cashback programme (owner research)
4%*Show source
Base cashback: 4%
Standard tier on the first $2,500 of monthly spend; 1% from $2,500 to $4,000; 0% above
Source states (paraphrased): Standard: $0 – $2,500: 4%; $2,500 – $4,000: 1%; Over $4,000: 0%.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Standard tier on the first $2,500 of monthly spend; 1% from $2,500 to $4,000; 0% above
Max cashback
5%*Show source
Max cashback: 5%
VIP tier on the first $20,000 of monthly spend; Pro 4.5% on the first $8,000
Source states (paraphrased): Up to 5% of the U.S. dollar value of each Qualifying Card Transaction.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
VIP tier on the first $20,000 of monthly spend; Pro 4.5% on the first $8,000
Cashback paid in
AVAXShow source
Cashback paid in: AVAX
Source states (paraphrased): Credited in AVAX (native asset of the Avalanche network).
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Cashback type
None*Show source
Cashback type: None
No cashback programme (owner research); the site only lists Visa network benefits
Source states (paraphrased): Owner research: Avici has no cashback.
Source: https://avici.money/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
No cashback programme (owner research); the site only lists Visa network benefits
CryptoShow source
Cashback type: Crypto
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Interest on balance
6%*Show source
Interest on balance: 6%
Up to 6% on dollar balance, variable; the Boost portion only up to the tier's Boost Cap and requires at least one qualifying card transaction per month
Source states (paraphrased): Earn up to 6% on your dollars. Paid daily.
Source: Ethena Pay
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Up to 6% on dollar balance, variable; the Boost portion only up to the tier's Boost Cap and requires at least one qualifying card transaction per month
Cashback-eligible spend cap
$2,500/month*Show source
Cashback-eligible spend cap: $2,500/month
Standard: headline rate on the first $2,500 per calendar month; Pro $8,000, VIP $20,000; lower rates above
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Standard: headline rate on the first $2,500 per calendar month; Pro $8,000, VIP $20,000; lower rates above
Cashback conditions
Rate depends on tier and steps down with monthly spend (bands reset each calendar month) · Transactions under $1.00 earn no cashback · Paid daily after the transaction settlesShow source
Cashback conditions: Rate depends on tier and steps down with monthly spend (bands reset each calendar month) · Transactions under $1.00 earn no cashback · Paid daily after the transaction settles
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Reward exclusions
Cash advances, ATM withdrawals, money orders, traveler's checks and cash equivalents · Purchases of crypto, stablecoins, NFTs, securities, foreign currency · Gambling, wagering, lottery, gaming · Gift card and stored-value purchases · Peer-to-peer transfers and remittances · Account funding, loan/credit repayments, balance transfers, insurance premiums · Fees, taxes, fines and payments to government agencies · Returned, refunded or charged-back transactions*Show source
Reward exclusions: Cash advances, ATM withdrawals, money orders, traveler's checks and cash equivalents · Purchases of crypto, stablecoins, NFTs, securities, foreign currency · Gambling, wagering, lottery, gaming · Gift card and stored-value purchases · Peer-to-peer transfers and remittances · Account funding, loan/credit repayments, balance transfers, insurance premiums · Fees, taxes, fines and payments to government agencies · Returned, refunded or charged-back transactions
Eligibility follows the MCC assigned by the card network
Source states (paraphrased): cash advances, ATM withdrawals, money orders, traveler's checks, or other cash equivalents;
Source: Ethena Pay Terms of Use
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Eligibility follows the MCC assigned by the card network
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Secured by your own deposit
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Secured by your own deposit
Yes*Show source
Credit line: Yes
Secured by your own collateral
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Secured by your own collateral
Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Collateral assets
USDCShow source
Collateral assets: USDC
Source states (paraphrased): User deposits USDC in a Loan Escrow smart contract
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Max loan-to-value
100%*Show source
Max loan-to-value: 100%
Collateral market value in USD must equal each dollar charged; spending limit equals collateral value
Source states (paraphrased): will be required to post Collateral that has Market Value in United States Dollars (“USD”) equal to each dollar that is charged to all of your Avici Cards
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 65%
Collateral market value in USD must equal each dollar charged; spending limit equals collateral value
Interest (APR)
0%*Show source
Interest (APR): 0%
0% interest on all purchases currently; Issuer and Avici reserve the right to introduce interest for new purchases with prior disclosure
Source states (paraphrased): Annual Percentage Rate (APR) for Purchases: 0%
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
0% interest on all purchases currently; Issuer and Avici reserve the right to introduce interest for new purchases with prior disclosure
0%*Show source
Interest (APR): 0%
Purchases; issuer and Ethena Pay may introduce interest on new purchases with prior notice
Source states (paraphrased): Your Spend Card is currently 0.00% interest on all purchases.
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Purchases; issuer and Ethena Pay may introduce interest on new purchases with prior notice
Interest notes
Currently 0% interest on all purchases; Issuer and Ethena Pay may introduce interest on new purchases in future with prior disclosureShow source
Interest notes: Currently 0% interest on all purchases; Issuer and Ethena Pay may introduce interest on new purchases in future with prior disclosure
Source states (paraphrased): Issuer and Ethena Pay reserve the right to implement interest in the future, for new purchases.
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Grace period
One calendar day before an unpaid obligation triggers a Liquidation Event; additional grace period at Avici/Issuer discretionShow source
Grace period: One calendar day before an unpaid obligation triggers a Liquidation Event; additional grace period at Avici/Issuer discretion
Source states (paraphrased): such payment obligation has not been paid in full by you within one (1) calendar day
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Outstanding payment obligation must be paid within one calendar day, otherwise a Liquidation Event occurs; additional grace period at discretionShow source
Grace period: Outstanding payment obligation must be paid within one calendar day, otherwise a Liquidation Event occurs; additional grace period at discretion
Source states (paraphrased): has not been paid in full by you within one (1) calendar day
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Repayment
Automatic deduction from topped-up USDC balance; no billing cycle or manual repaymentShow source
Repayment: Automatic deduction from topped-up USDC balance; no billing cycle or manual repayment
Source states (paraphrased): There’s no billing cycle or manual repayment. We auto-deduct from your topped-up USDC balance.
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Repay Ethena Pay for card charges per User Agreement by permitted means in the Ethena Pay Account; prepayment without penaltyShow source
Repayment: Repay Ethena Pay for card charges per User Agreement by permitted means in the Ethena Pay Account; prepayment without penalty
Source states (paraphrased): you may make a repayment for a balance on one or more of your Ethena Pay Cards by any means that are permitted by Ethena Pay
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Liquidation risk
Yes*Show source
Liquidation risk: Yes
Liquidation Event if a payment is unpaid after one calendar day or collateral value falls below existing charges
Source states (paraphrased): If a Liquidation Event occurs, only the amount required to repay your outstanding financial obligations to Issuer will be liquidated from your Collateral.
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Liquidation Event if a payment is unpaid after one calendar day or collateral value falls below existing charges
Yes*Show source
Liquidation risk: Yes
Collateral can be liquidated after a Liquidation Event (e.g. unpaid charges)
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Collateral can be liquidated after a Liquidation Event (e.g. unpaid charges)
Availability
Available in
AG, Argentina, Australia, BS, BB, BD, BZ, BO, Brazil, KY, Colombia, CR, CI, DO, EC, EG, SV, GH, GD, GT, GY, HN, Hong Kong, Japan, Kenya, Malaysia, Mexico, MA, New Zealand, PK, PA, PY, Peru, Philippines, KN, LC, VC, SN, Singapore, South Africa, SR, Thailand, TT, TC, United Arab Emirates, UG, UY, ZM, United States*Show source
Available in: AG, Argentina, Australia, BS, BB, BD, BZ, BO, Brazil, KY, Colombia, CR, CI, DO, EC, EG, SV, GH, GD, GT, GY, HN, Hong Kong, Japan, Kenya, Malaysia, Mexico, MA, New Zealand, PK, PA, PY, Peru, Philippines, KN, LC, VC, SN, Singapore, South Africa, SR, Thailand, TT, TC, United Arab Emirates, UG, UY, ZM, United States
Explicit list of available regions. USA only in listed supported states (personal accounts: AL, AK, AR, CA, CO, CT, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, MT, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY). Page lists 'Dominica Republica' and 'Dominicana' (mapped to DO; Dominica DM ambiguous, left out). Jurisdictions not mentioned may still be restricted.
Source states (paraphrased): Available Regions Prohibited Regions Supported US States Antigua & Barbuda Argentina Australia Bahamas Barbados Bangladesh
Source: Regions and Prohibitions for Avici Card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Explicit list of available regions. USA only in listed supported states (personal accounts: AL, AK, AR, CA, CO, CT, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, MT, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY). Page lists 'Dominica Republica' and 'Dominicana' (mapped to DO; Dominica DM ambiguous, left out). Jurisdictions not mentioned may still be restricted.
Argentina, BZ, BO, Brazil, Colombia, CR, EC, SV, GT, GY, HN, Mexico, PA, PY, Peru, SR, UY, AG, BS, BB, KY, DM, DO, GD, KN, LC, VC, TT, TC, Hong Kong, Japan, Malaysia, PK, Philippines, Singapore, Thailand, United Arab Emirates, CI, EG, GH, Kenya, MA, SN, South Africa, UG, ZM, Australia, New Zealand*Show source
Available in: Argentina, BZ, BO, Brazil, Colombia, CR, EC, SV, GT, GY, HN, Mexico, PA, PY, Peru, SR, UY, AG, BS, BB, KY, DM, DO, GD, KN, LC, VC, TT, TC, Hong Kong, Japan, Malaysia, PK, Philippines, Singapore, Thailand, United Arab Emirates, CI, EG, GH, Kenya, MA, SN, South Africa, UG, ZM, Australia, New Zealand
Beta. Announced as coming soon: USA, EU, UK, Switzerland, Canada, Taiwan, South Korea
Source: Available Jurisdictions — Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Beta. Announced as coming soon: USA, EU, UK, Switzerland, Canada, Taiwan, South Korea
Not available in
BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, Vietnam*Show source
Not available in: BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, Vietnam
Card unavailable to residents; China = Mainland. Card also cannot be used to spend in CU, IR, KP, RU, SY, UA, VE
Source states (paraphrased): Avici Card services are unavailable for users to residents of the following countries:
Source: Regions and Prohibitions for Avici Card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Card unavailable to residents; China = Mainland. Card also cannot be used to spend in CU, IR, KP, RU, SY, UA, VE
United States*Show source
Not available in: United States
Not available to U.S. citizens, U.S. residents or other U.S. persons; other restricted jurisdictions per Ethena Pay Terms of Use
Source states (paraphrased): The Ethena Pay Spend Card is offered only to non-U.S. persons
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Not available to U.S. citizens, U.S. residents or other U.S. persons; other restricted jurisdictions per Ethena Pay Terms of Use
Account / spend currencies
USD*Show source
Account / spend currencies: USD
Foreign-currency transactions are converted into USD
Source states (paraphrased): the credit card association will convert any transaction in foreign currency into U.S. dollars
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Foreign-currency transactions are converted into USD
Own IBAN / bank details
Yes*Show source
Own IBAN / bank details: Yes
Virtual account (IBAN) not yet available in BB, JP, MY, PK, MA, SN, UG, AU, NZ
Source: Available Jurisdictions — Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Virtual account (IBAN) not yet available in BB, JP, MY, PK, MA, SN, UG, AU, NZ
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): just add it to apple pay or google pay and start spending online or offline immediately
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
YesShow source
Apple Pay: Yes
Source states (paraphrased): Add to Apple Pay in seconds.
Source: Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): just add it to apple pay or google pay and start spending online or offline immediately
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
No*Show source
Google Pay: No
Announced as available soon
Source states (paraphrased): Google Pay available soon.
Source: Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Announced as available soon
Physical card
Yes*Show source
Physical card: Yes
Issuer may limit the number of physical cards
Source states (paraphrased): limit the number of physical or virtual Avici Cards provided to you
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 65%
Issuer may limit the number of physical cards
Virtual card
Yes*Show source
Virtual card: Yes
Issuer may limit the number of virtual cards
Source states (paraphrased): limit the number of physical or virtual Avici Cards provided to you
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 65%
Issuer may limit the number of virtual cards
YesShow source
Virtual card: Yes
Source states (paraphrased): Generate a virtual card in under a minute.
Source: Ethena Pay
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): ATM - Withdrawal Fee: $1.00 + 0.65%
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Yes*Show source
ATM withdrawals: Yes
Availability limited and depends on card, device and country
Source states (paraphrased): ATM cash withdrawals are supported where your card, device and country allow it
Source: Pricing — Ethena Pay
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Availability limited and depends on card, device and country
Spend stablecoins
Yes*Show source
Spend stablecoins: Yes
USDC deposit backs the USD credit balance
Source states (paraphrased): We use the deposited USDC to create USD Credit balance on the card.
Source: Secured Credit Cards
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
USDC deposit backs the USD credit balance
Travel / rental car insurance
Yes*Show source
Travel / rental car insurance: Yes
Visa benefits: complimentary rental car insurance; trip cancellation and lost luggage cover
Source states (paraphrased): Auto Rental Insurances: complimentary rental car insurance for accidents or theft
Source: https://avici.money/
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Visa benefits: complimentary rental car insurance; trip cancellation and lost luggage cover
Spendable assets
USDC*Show source
Spendable assets: USDC
Charges are auto-deducted from the topped-up USDC balance; list may not be exhaustive
Source states (paraphrased): We auto-deduct from your topped-up USDC balance.
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Charges are auto-deducted from the topped-up USDC balance; list may not be exhaustive
Blockchains
Ethereum · Polygon · Optimism · Arbitrum*Show source
Blockchains: Ethereum · Polygon · Optimism · Arbitrum
Terms define 'Supported Blockchains' (spelled 'Arbitrium' on the page); others may be added at Issuer's discretion
Source states (paraphrased): means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks
Source: Terms of Service – Avici Card
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 50%
Terms define 'Supported Blockchains' (spelled 'Arbitrium' on the page); others may be added at Issuer's discretion
Ethereum · Polygon · Optimism · Arbitrum*Show source
Blockchains: Ethereum · Polygon · Optimism · Arbitrum
Supported blockchains for collateral; list may be updated by issuer
Source states (paraphrased): means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrum Blockchain and other blockchain networks
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Supported blockchains for collateral; list may be updated by issuer
Limits
ATM limit
$3,000*Show source
ATM limit: $3,000
Per day, both tiers; $1000 per transaction, max 3 ATM transactions per day
Source states (paraphrased): $1000 per txn $3000 per day
Source: Fees and Limits
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Per day, both tiers; $1000 per transaction, max 3 ATM transactions per day
Security & custody
Deposit protection
NoShow source
Deposit protection: No
Source states (paraphrased): are not deposits or insured by any government deposit insurance or investor protection scheme
Source: Ethena Pay Terms of Use
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Smart-contract risk
YesShow source
Smart-contract risk: Yes
Source: Avici Card FAQs
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
YesShow source
Smart-contract risk: Yes
Source states (paraphrased): does not control and is not responsible for the operation, security, or performance of the smart contracts used to hold your Collateral
Source: Ethena Pay Spend Card Terms
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Annual cost at 1,500 EUR/month
Avici Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashback+0 EUR
- Net annual value-55 EUR
Ethena Pay Spend Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs−19 EUR
- Cashback+720 EUR
- Net annual value665 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers