Aven

What Aven does

Aven is a San Francisco-based fintech operating an asset-backed consumer credit platform that distributes Visa credit cards and credit lines secured primarily by home equity and, as of April 2026, by Bitcoin. The company was founded in 2019 and works with Coastal Community Bank, an FDIC-insured institution, to issue its Visa products and with BitGo Bank & Trust, an OCC-regulated digital asset custodian, to hold Bitcoin collateral for its newest product. Aven's offering sits in the gap between conventional high-APR unsecured credit cards (industry average above 21%) and slow traditional HELOC origination processes, marketing same-day to three-day funding, soft-credit-pull pre-approval, and 100% digital workflows.

The platform's product suite includes the Aven Home Equity Visa Card (credit limits up to $400,000, variable APR 6.49%–14.99%, unlimited 2% cash back), Aven Home Equity Cash (a fixed-rate HELOC with funding in as fast as three days), Aven Flexible Cash (a $50,000 ceiling revolving line with same-day funding), the Aven Rewards Visa Card (a premium metal card offering 3% back on the first $10K in annual spend), the Aven Bitcoin Visa Card (credit lines up to $1,000,000 at APRs from 7.99% against BTC collateral), and an Aven High-Yield Checking account. Distribution is hybrid: direct-to-consumer via aven.com and iOS/Android mobile apps, plus B2B through a mortgage broker/loan-officer portal, home-improvement and solar partner integrations, and an embedded API. Compliance posture includes NMLS licensure across more than 45 states, PCI DSS compliance, Better Business Bureau accreditation, and FDIC coverage through Coastal Community Bank.

Aven's revenue mix is dominated by interest income on asset-backed revolving credit lines and fixed-rate plans, supplemented by transaction fees (1% on BTC-card cash outs and balance transfers, 2.5% on home-equity cash outs and balance transfers, 4.9% first-draw fee on certain products) and interchange fees that fund the 2% universal cash-back reward. To date Aven has funded more than $3 billion in credit lines to over 250,000 customers, reports customer cumulative interest savings of approximately $221 million, holds a 4.9/5 Trustpilot rating across 9,499 reviews, and operates with 101–250 employees from its San Francisco headquarters. The company is venture-backed across Series D ($142M, July 2024) and Series E ($110M at a $2.2B post-money valuation, September 2025), with a high-profile advisory bench including former Fannie Mae CEO Timothy Mayopoulos, former Freddie Mac CEO Michael DeVito, and former House Financial Services Committee Chairman Patrick McHenry.

Name

Aven

Legal name

Aven Financial, Inc.

Website

https://aven.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

101–250 employees

Short description

Aven is a fintech platform offering asset-backed Visa credit cards and credit lines secured by home equity and Bitcoin, serving homeowners and digital asset holders with lower-cost alternatives to traditional high-APR credit cards and HELOCs.

Ownership category

akta.pro rank

Product category

Consumer Fintech Lending

NAICS

Credit Card Issuing (522210), Credit Card Issuing (52221)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Virtual / Digital-First Credit Cards (FSAKABAK)

akta.pro secondary industries

Card Issuing & Program Management Platforms (BPAMAFAH), Issuer/Network-Led Installments (Card-Based Pay-Over-Time) (FSAGAIAB)

Keywords

• Home equity lending
• Asset-backed credit
• Bitcoin-backed lending
• Consumer credit cards
• Fintech lending platform

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Interest Income on Credit Lines: Aven generates revenue primarily through interest charged on home equity lines of credit and bitcoin-backed credit lines. The company offers variable APR revolving credit as well as fixed-rate, fixed-term plans. Interest rates range from 5.99% APR to 14.99% APR depending on product and borrower qualification.
2. Transaction Fees: Aven charges transaction fees including 2.5% on cash outs and balance transfers for home equity products, 1% on cash outs and balance transfers for Bitcoin card, and 4.9% first-draw fee on certain products.
3. Interchange Fees: Aven earns interchange fees on credit card transactions made with its Visa cards, including 2% unlimited cash back rewards funded through interchange revenue.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Aven is a machine-banking fintech that offers asset-backed consumer credit products accessed primarily through Visa credit cards. Its core offerings include a home equity-backed Visa credit card, a fixed-rate HELOC cash product, a flexible revolving cash line, a rewards credit card, and a Bitcoin-backed credit card. The platform provides a fully digital application process with soft credit-pull pre-approval, fast funding, and automated loan servicing.

Product overview

Aven is a machine-banking platform offering a portfolio of asset-backed credit products. The core offering consists of the Aven Home Equity Visa Card, Aven Home Equity Cash, and Aven Flexible Cash, all backed by home equity. Additionally, Aven launched the Aven Bitcoin Visa Card for bitcoin holders, and the Aven Rewards Visa Card as a premium metal cash-back card. These products share a unified platform with a mobile app and broker portal for distribution. The Foreclosure Protection Guarantee is a complimentary protection add-on. Aven partners with Coastal Community Bank for card issuance and BitGo for bitcoin custody.

Differentiator

Problem solved

Functional benefit

Brands

• Aven Home Equity Visa Card: A credit card backed by home equity with credit limits up to $400K, lowest rate guaranteed, and unlimited 2% cash back.
• Aven Home Equity Cash
• Aven Rewards Visa Card
• Aven Flexible Cash
• Aven Bitcoin Visa Card
• Aven High-Yield Checking

Products and services

• Aven Home Equity Visa Card A credit card backed by home equity, providing credit limits up to $400,000 with variable APR starting around 6.49% (based on WSJ Prime plus margin) and unlimited 2% cash back rewards on purchases. Targeted at U.S. homeowners with available equity seeking low-cost revolving credit.
• Aven Home Equity Cash A traditional home equity line of credit (HELOC) offering fixed-rate funding up to $400,000 with closing as fast as 15 minutes and a 4.9% first-draw fee. Designed for homeowners who want cash upfront with fixed interest rate plans and redraw flexibility.
• Aven Flexible Cash A revolving credit line providing up to $50,000 in cash with same-day funding availability and fixed APR starting at 6.24%. Aimed at consumers who want quick cash access with low fixed monthly payments without the full commitment of a HELOC.
• Aven Rewards Visa Card A premium 16g stainless steel cash-back credit card offering 3% cash back on the first $10,000 in annual spending, then 2% unlimited cash back. No annual fee, contactless payment, and Visa fraud protection. Targeted at consumers with good credit (700+ FICO) who want rewards without needing home equity.
• Aven Bitcoin Visa Card A bitcoin-backed Visa credit card enabling holders to access credit lines up to $1 million secured by their Bitcoin holdings (held in custody by BitGo Bank & Trust), without triggering taxable events from selling BTC. Rates from 7.99% APR with fixed-term plans up to 10 years, no annual or origination fees, and unlimited 2% cash back.
• Aven Broker Portal A dedicated online portal for licensed mortgage brokers and loan officers to submit client HELOC applications in as fast as 3 minutes. Includes an Embedded API integration option for partners, with coverage across 45 U.S. states.
• Aven Mobile App A mobile application for iOS and Android devices enabling Aven customers to view and manage their card, check account activity, pay bills, and monitor their credit score.
• Aven High-Yield Checking A high-yield checking account product offered alongside Aven's credit offerings, providing deposit banking functionality to consumers.

Quantifiable outcome

• Saves customers up to 50% on interest compared to traditional credit cards (average APR 23%+ vs Aven's 6.49-14.99%)
• +3 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Four partnerships are on record, tiered core and supporting.

• BitGo Inc. / BitGo Bank & TrustcoreTechnology or Integration · 27 April 2026BitGo provides cryptocurrency custody infrastructure for the Aven Bitcoin Visa Card. BitGo Bank & Trust, an OCC-regulated digital asset trust bank, holds customer Bitcoin collateral in dedicated wallets with segregation and operational controls. BitGo provides institutional-grade digital asset custody with proof of reserves verification.
• Haven Federal Credit UnionsupportingStrategic or Co-development Partner · 21 January 2026Aven sponsored the launch of Haven Federal Credit Union, demonstrating commitment to expanding access to affordable credit through credit union partnerships.
• Coastal Community BankcoreOEM/ Whitelabel/ Licensing PartnerCoastal Community Bank, Member FDIC, issues Aven Visa Credit Cards pursuant to license by Visa U.S.A., Inc. The bank is the lender for all Aven accounts and provides FDIC-insured deposit protection.
• Mortgage Brokers and Loan OfficerscoreChannel Partner/ Reseller/ DistributorNetwork of licensed mortgage professionals who distribute Aven HELOC products through the broker portal. Available in 45 states. Integration options include embedded API and broker portal with 3-minute application submission capability.

Scale indicators8 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• SoFi Technologies: Direct digital consumer finance competitor offering personal loans, mortgages/HELOCs, and credit cards to a similar target demographic of creditworthy consumers seeking lower rates than traditional banks.
• Figure Technologies: Direct competitor in HELOC fintech and blockchain-based lending; pioneered the digital home equity line of credit and pursues a similar asset-backed machine-banking approach to Aven.
• Better.com: Digital-first mortgage and HELOC lender pursuing a similar online, low-friction customer experience; competes head-to-head with Aven in home equity consumer credit.
• Upgrade: Online consumer credit platform offering credit cards and personal loans with rewards and rate-driven value propositions, directly comparable to Aven's Rewards Visa Card and consumer credit offerings.
• LendingClub: Online consumer credit marketplace and bank holding company offering personal loans and credit cards targeting prime borrowers seeking lower-cost alternatives to traditional bank products.
• Ledn: Crypto-native lending platform offering Bitcoin-backed loans with institutional custody; directly comparable to Aven's Bitcoin Visa Card product in digital-asset-backed consumer credit.

Broad incumbents

• Rocket Mortgage: Largest US mortgage lender offering HELOCs and home equity products with massive scale, brand recognition, and a direct-to-consumer digital channel competing directly with Aven.
• Marcus by Goldman Sachs: Goldman Sachs's consumer banking arm offering personal loans, savings, and credit cards; a broad incumbent competing in the same low-rate digital credit niche as Aven.

Emerging players

• Brex: Fast-growing fintech issuing corporate and personal credit cards with cash-back rewards; comparable as a digital-first credit-card-native fintech, though today it primarily serves businesses.
• Crypto.com: Crypto exchange offering a Visa credit card with crypto rewards; relevant peer in the crypto-card category where Aven's Bitcoin Visa Card competes for crypto-curious consumers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/AvenCard
• YouTubeyoutube.com/channel/UCKiwB5s83cWM7qb3P_bnLTA
• Facebookfacebook.com/avencard
• LinkedInlinkedin.com/company/avencard
• Instagraminstagram.com/theavencard

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds6 records

Investors21 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aven