Avici Card vs Solayer Pay
Crypto native
Crypto native
Verdict
- Solayer Pay scores higher overall (6.2 vs 6.1 out of 10).
- Avici Card is clearly stronger on: Fees, FX & international, Product features, Credit & financing.
- Solayer Pay is clearly stronger on: Custody & security, Transparency.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
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: Fees, FX & international, Product features, Credit & financing
Solayer Pay is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Custody & security, Transparency
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Avici Card | Solayer Pay |
|---|---|---|
| Fees | 97 | 83 |
| Cashback & rewards | 0 | – |
| Availability | 57 | 50 |
| FX & international | 60 | 40 |
| Product features | 80 | 70 |
| Custody & security | 70 | 80 |
| Credit & financing | 75 | 30 |
| Limits & ATM | 78 | – |
| Transparency | 86 | 100 |
| Best for Cashback | 3.9 | n/a |
| Best for Travel | 6.5 | 5.6 |
| Best for Self-Custody | 6.4 | 7.2 |
| Best for DeFi Users | 6.2 | 6.5 |
| Best for Stablecoins | 6.3 | 6.8 |
| Best for High Spenders | 4.7 | 5.5 |
| Best for Low Fees | 8.3 | 7.0 |
| Best for Beginners | 7.2 | 7.5 |
| Best Crypto Credit Card | 6.8 | n/a |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Crypto-backed creditConditions apply: tap or hover for detailsShow source
Secured credit card backed by your own deposit
Stablecoin cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
Funds in a smart contract owned by your wallet; Avici can only withdraw against card charges
Self-custodyShow source
Card issuer / program manager
Third NationalConditions apply: tap or hover for detailsShow source
Card access provided by Avici Inc.
Tiers / plans
Platinum · SignatureShow source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Platinum; Signature costs $30 the first year, then $20/year
$20/yearConditions apply: tap or hover for detailsShow source
Membership; covers the virtual card for 12 months
Physical card fee
$50Conditions apply: tap or hover for detailsShow source
Platinum; Signature $75
FreeConditions apply: tap or hover for detailsShow source
Card free; shipping $24.99 (US Express) or $59.99 (International Express)
Virtual card fee
$15Conditions apply: tap or hover for detailsShow source
Platinum, first card; further cards $10
FX fee
1%Conditions apply: tap or hover for detailsShow source
Charged by Visa, no Avici markup; terms allow up to 3%
1.5%Conditions apply: tap or hover for detailsShow source
Plus $0.10 per international transaction
Top-up fee
FreeShow source
1%Show source
Crypto withdrawal fee
FreeConditions apply: tap or hover for detailsShow source
Withdrawal from card to wallet
ATM fee
$1 + 0.65%Conditions apply: tap or hover for detailsShow source
Listed as maximum charges; FX fee additionally charged on non-USD withdrawals; balance inquiry and decline fees $0.60 each
Settlement fee
$0.15Conditions apply: tap or hover for detailsShow source
Per USD transaction
Small transaction fee
FreeConditions apply: tap or hover for detailsShow source
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 cardConditions apply: tap or hover for detailsShow source
No extra charges for Apple Pay / Google Pay spending
Card deactivated after 6 months of inactivity; a new card must be issuedShow source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
No cashback programme (owner research)
Cashback type
NoneConditions apply: tap or hover for detailsShow source
No cashback programme (owner research); the site only lists Visa network benefits
PointsShow source
Interest on balance
5%Conditions apply: tap or hover for detailsShow source
4–5% on sUSD, a Treasury-backed stablecoin users can opt into
Cashback conditions
Every transaction earns Solayer Card Points (Season 2), which unlock future $LAYER token rewards, partner airdrops and exclusive perks, and access to beta tests, merch and VIP events · Referrers earn 10% of their referrals' points, indefinitelyConditions apply: tap or hover for detailsShow source
Season 2 of the Points Program; partner campaigns (Sonic, OpenEden, Solana ID and more) offer extra perks and rewards
Credit & financing
Credit line
YesConditions apply: tap or hover for detailsShow source
Secured by your own deposit
NoShow source
Credit type
Crypto-backed creditShow source
Collateral assets
USDCShow source
Max loan-to-value
100%Conditions apply: tap or hover for detailsShow source
Collateral market value in USD must equal each dollar charged; spending limit equals collateral value
Interest (APR)
0%Conditions apply: tap or hover for detailsShow source
0% interest on all purchases currently; Issuer and Avici reserve the right to introduce interest for new purchases with prior disclosure
Grace period
One calendar day before an unpaid obligation triggers a Liquidation Event; additional grace period at Avici/Issuer discretionShow source
Repayment
Automatic deduction from topped-up USDC balance; no billing cycle or manual repaymentShow source
Liquidation risk
YesConditions apply: tap or hover for detailsShow source
Liquidation Event if a payment is unpaid after one calendar day or collateral value falls below existing charges
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Spends USDC balance directly, no pre-conversion
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 StatesConditions apply: tap or hover for detailsShow source
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.
GlobalConditions apply: tap or hover for detailsShow source
Except the excluded countries and 17 US states
Not available in
BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, VietnamConditions apply: tap or hover for detailsShow source
Card unavailable to residents; China = Mainland. Card also cannot be used to spend in CU, IR, KP, RU, SY, UA, VE
AF, AL, AD, Australia, Austria, BY, Belgium, BA, Bulgaria, BF, BI, KH, Canada, CF, CN, Croatia, CU, Cyprus, Czechia, CD, Denmark, ER, Estonia, Finland, France, GE, Germany, Greece, GN, GW, HT, Hungary, Iceland, India, Indonesia, IR, IQ, Ireland, Israel, Italy, JM, JO, XK, LA, Latvia, LB, LR, LY, Lithuania, Luxembourg, Malaysia, ML, Malta, MD, MC, ME, MA, MZ, MM, Netherlands, New Zealand, NI, Nigeria, KP, Norway, PS, Poland, Portugal, QA, Romania, RU, SM, RS, Slovakia, SO, South Africa, South Korea, Spain, SD, Sweden, Switzerland, SY, Thailand, Turkey, UG, Ukraine, United Arab Emirates, United Kingdom, VU, VE, EH, YE, PW, NP, VietnamConditions apply: tap or hover for detailsShow source
Residents or citizens, regardless of current residence
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Foreign-currency transactions are converted into USD
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Issuer may limit the number of physical cards
YesShow source
Virtual card
YesConditions apply: tap or hover for detailsShow source
Issuer may limit the number of virtual cards
YesShow source
ATM withdrawals
YesShow source
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
USDC deposit backs the USD credit balance
YesShow source
Travel / rental car insurance
YesConditions apply: tap or hover for detailsShow source
Visa benefits: complimentary rental car insurance; trip cancellation and lost luggage cover
Spendable assets
USDCConditions apply: tap or hover for detailsShow source
Charges are auto-deducted from the topped-up USDC balance; list may not be exhaustive
USDCShow source
Blockchains
Ethereum · Polygon · Optimism · ArbitrumConditions apply: tap or hover for detailsShow source
Terms define 'Supported Blockchains' (spelled 'Arbitrium' on the page); others may be added at Issuer's discretion
Solayer ChainShow source
Limits
ATM limit
$3,000Conditions apply: tap or hover for detailsShow source
Per day, both tiers; $1000 per transaction, max 3 ATM transactions per day
$250Conditions apply: tap or hover for detailsShow source
Per withdrawal, incl. ATM surcharges; at most three attempts per 24 hours
Security & custody
Smart-contract risk
YesShow source
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
Solayer Pay
- Annual & monthly fees−18 EUR
- FX costs−54 EUR
- Crypto conversion–
- Per-transaction feesunknown
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers