Avici
Avici is a crypto-powered neobank offering self-custody wallets on Solana and EVM networks paired with a Visa secured credit card, enabling global crypto holders to spend their digital assets as credit without selling them.
- Company typePrivate
- Founded2024
- HeadquartersMiddletown, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Avici does
Avici (Avici Inc.) is a Delaware-incorporated, privately held crypto neobank founded in 2024 and headquartered in Middletown, Delaware, with a San Francisco office. The company provides self-custody smart contract wallets on Solana and EVM-compatible networks (powered by ZeroDev for the EVM stack), paired with a Visa-branded secured credit card that lets users spend against their crypto holdings without selling the underlying assets. Core product flow is self-serve and mobile-app-based: users deposit crypto as collateral, receive a credit line matching their collateralized spending power, and transact via virtual or physical Visa cards — including through Apple Pay and Google Pay tap-to-pay — with cards issued by Rain (global BIN sponsorship) and licensed regional partners Third National (US) and BANEX Microfinance Bank (Nigeria). Card-ready time is advertised at 2 minutes.
The platform extends beyond payments into adjacent financial services: Credit Mode routes borrowing through DeFi lending protocols Jupiter Lend and Fluid; Avici Grow routes deposits into third-party DeFi protocols for yield on stablecoins and other assets; xStocks and Privates (via PreStocks) provide tokenized equity and private-company exposure; Virtual Accounts, Business Accounts, and Business Cards (Avici Biz) cover global treasury and SMB use cases; Swap routes through decentralized exchanges; and Privacy Send and an Avici DAO component add on-chain privacy and governance features. Fiat on/off-ramp is provided through Moonpay and Bridge.
Avici monetizes primarily through interchange fees on card spend (no interchange or gas fees charged to the user, with the take rate captured from issuer partners), spreads or fees on Avici Grow yield and Credit Mode lending, fiat onramp/offramp spreads via Moonpay and Bridge, and ancillary card fees including a 1% foreign transaction fee (passed through from Visa), ATM withdrawal fees ($1.00 + 0.65%), late-payment penalties (up to 2% or $40), returned-payment fees (up to $29), and liquidation penalties (up to $35). Pricing is 0% APR on purchases with no annual fee. Go-to-market is product-led growth with self-serve onboarding, word-of-mouth, referrals, and a mobile app as the primary channel; geographic coverage is global at the card level, with specific product restrictions in the US, Canada, UK, and Australia for tokenized-securities products. A $3.5M funding round closed on 2025-11-13; investors were not disclosed. No management team, revenue, or employee count beyond the 1-10 band has been disclosed.
Avici firmographics
Firmographics- Name
- Avici
- Legal name
- Avici Inc.
- Website
- https://avici.money
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Avici is a crypto-powered neobank offering self-custody wallets on Solana and EVM networks paired with a Visa secured credit card, enabling global crypto holders to spend their digital assets as credit without selling them.
- Ownership category
- akta.pro rank
Avici industry classification
Industry- Product category
- Crypto Neobanking
- NAICS
- Credit Card Issuing (52221), Other Nondepository Credit Intermediation (52229)
- SIC
- Finance Services (6199), Personal Credit Institutions (6141)
- akta.pro primary industry
- Crypto-Backed Consumer Loans (Secured) (FSADAFAG)
- akta.pro secondary industries
- Decentralized Lending Protocols (DeFi Money Markets) (FSADAFAB), Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ)
Keywords
Where Avici is headquartered
LocationHeadquarters
- HQ city
- Middletown
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Avici business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales, Others
Revenue model
- Interchange Fees: Avici earns interchange fees from Visa card transactions. When users spend using their Avici card, the merchant's bank pays interchange fees to Avici's card issuing partners, with a portion flowing to Avici.
- Avici Grow Yield Product: Users allocate funds to third-party DeFi protocols to earn yield. Avici may earn a spread or fee from these DeFi integrations.
- Credit Mode Interest: Credit Mode allows borrowing against crypto collateral through third-party DeFi protocols. Avici may earn fees from facilitating these borrowing transactions.
- Card Fees: Various card-related fees including foreign transaction fees (1% currently), late payment fees (up to 2% of outstanding balance or up to $40), and potential future fees for premium card tiers.
- Fiat Onramp/Offramp Services: Fiat onramp and offramp services via partners Moonpay and Bridge, where Avici may earn a spread or fee on currency conversion.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Standard Avici Card - 0% APR, No Annual Fee |
| Transaction based/ take rate | Monthly | USA Card - 0% APR with specific fee structure |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Avici product offering
Product offeringCore offering
Avici provides a self-custody crypto neobank consisting of a non-custodial smart contract wallet on Solana and EVM networks paired with a Visa secured credit card that allows users to spend their crypto holdings without selling them. The platform bundles DeFi-powered borrowing (Credit Mode via Jupiter Lend and Fluid), yield generation (Avici Grow), virtual bank accounts, and business accounts into a single mobile application.
Product overview
Avici is building an internet neobank powered by cryptocurrency for digital asset holders. The platform provides self-custody smart contract wallets on Solana and EVM-compatible networks (powered by ZeroDev), with a secured Visa credit card as the core consumer product enabling users to spend their crypto without selling it. Additional services include Credit Line (DeFi-powered borrowing via Jupiter Lend and Fluid), Avici Grow (DeFi yield generation), xStocks (tokenized equities), Privates (tokenized private company exposure), Virtual Accounts, Business Accounts/Cards, Privacy Send, Swap trading, Avici DAO, and Referrals. Fiat onramp/offramp services are provided through Moonpay and Bridge partnerships.
Differentiator
Problem solved
Functional benefit
Products and services
- Avici Wallet Self-custody smart contract wallet on Solana and EVM-compatible networks (Ethereum, Polygon, Optimism, Arbitrum) where users control their own private keys and digital assets. Powered by ZeroDev for EVM infrastructure with account abstraction.
- Avici Secured Credit Card (Avici Spend Card) Visa-branded secured credit card backed by crypto collateral held in the user's self-custody wallet, enabling spending of crypto assets without selling them. Available as virtual and physical cards, with 0% APR on purchases and add-to-mobile-wallet support.
- Credit Line (Credit Mode) Borrowing feature that allows users to take out credit lines against crypto holdings held in their self-custody wallet, powered by integrations with DeFi lending protocols Jupiter Lend and Fluid.
- Avici Grow Yield product that routes user-initiated deposits into third-party DeFi protocols, allowing users to earn yield on stablecoins and other crypto assets.
- Virtual Accounts Virtual bank accounts enabling users to receive funds globally, supporting multiple blockchains, currencies, and payment rails for cross-border transactions.
- Business Accounts (Avici Biz) Business banking account product providing dedicated account management and compliance features for businesses that want to manage expenses with crypto holdings.
- Business Cards Visa business credit cards designed for Avici Business account holders, with features tailored for business spending, multi-user card access, and expense management.
- xStocks Tokenized equity products offered through a third-party provider, giving users exposure to publicly traded company stocks within the Avici app (not available to US persons; restricted in Canada, UK, Australia).
- Privates Tokenized exposures to private companies offered through third-party provider PreStocks, providing economic exposure without ownership rights (subject to geographic restrictions).
Quantifiable outcome
- Card ready in 2 minutes
- +2 more outcomes
Companies that use Avici
Customer profileSegments5 records
Ideal customer profiles4 records
Avici technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature7 records
Avici partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- RaincoreRain is the card partner responsible for Visa card issuance and BIN sponsorship. Rain provides the card infrastructure that enables Avici to offer Visa-branded physical and virtual cards to users.
- MoonpaycoreMoonpay provides fiat onramp and offramp services, allowing users to convert between fiat currency and cryptocurrency through Avici's platform.
- BridgecoreBridge provides additional fiat onramp and offramp services, complementing Moonpay for cryptocurrency-fiat conversion functionality.
- Jupiter LendcoreJupiter Lend is a DeFi lending protocol integrated with Avici's Credit Mode feature, enabling users to borrow against their crypto holdings.
- FluidcoreFluid is a DeFi lending protocol integrated with Avici's Credit Mode feature, providing additional borrowing capabilities against crypto collateral.
- ZeroDevcoreZeroDev provides the EVM smart wallet infrastructure that powers Avici's EVM-compatible wallet functionality, enabling account abstraction and gasless transactions.
- Third NationalcoreThird National is the card issuer for Avici's USA-based card program, responsible for funding payments for goods and services purchased with Avici cards in the United States.
- BANEX Microfinance Bank LimitedcoreBANEX is a financial institution licensed by the Central Bank of Nigeria (CBN) that markets the Avici card in Nigeria and ensures compliance with CBN requirements including data protection and regulatory filings.
- VisacoreVisa provides the card network and brand license for Avici's physical and virtual cards, enabling global acceptance at Visa merchants worldwide.
- Decentralized Exchanges and AggregatorscoreAvici routes trading features through decentralized exchanges and aggregators for token swaps and trading functionality within the platform.
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
Avici competitors and assessment
Company assessmentBroad incumbents
- Revolut: Global neobank with crypto buy/sell and card spending in one app. Not crypto-native but competes for the same 'spend globally' use case with a fiat base and much larger distribution.
- Coinbase: Operates Coinbase Card (Visa debit) plus Coinbase One subscriptions. Custodial exchange + card competing for the same crypto-spending use case, with materially larger user base and brand.
- Crypto.com: Largest crypto card issuer with Visa, offering prepaid/debit cards, exchange, lending, and yield in one app. Competes head-on for Avici's target user, but operates a custodial model at vastly greater scale.
- Bybit Card: Crypto exchange-issued Visa card with similar fee structure. Competes for crypto-spending users via a custodial exchange platform.
Direct peers
- Wirex: Crypto-backed Visa/Mastercard with multi-currency wallet and yield. Closest mid-sized direct competitor in the crypto-card + payments category with overlapping fee economics.
- Nexo: Crypto-backed credit card plus crypto lending/borrowing products. Direct overlap with Avici's Credit Mode and Avici Grow yield offerings and a comparable fee model.
- Gnosis Pay: Self-custody crypto Visa debit card built on Gnosis Chain targeting the same non-custodial + card combination as Avici. Closest comparable on product architecture and target user.
Emerging players
- Phantom: Leading Solana-native self-custody wallet that has begun layering on card/payments features. Direct overlap on the Solana + EVM wallet foundation that Avici builds on.
- Safe (prev. Gnosis Safe): Leading self-custody smart contract wallet infrastructure used widely across DeFi. Overlaps with Avici's self-custody wallet layer (built on ZeroDev) and could expand into payments.
- 1inch Card: DeFi-native debit card from the 1inch aggregator, targeting the same DeFi-native user base as Avici with similar self-custody positioning.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Avici social profiles
Digital presenceAvici financial estimates
Financial estimateRevenue estimate
Valuation estimate
Avici leadership team
Management profileNumber of profiles
Avici funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Avici M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Avici
What does Avici do?
Avici provides a self-custody crypto neobank consisting of a non-custodial smart contract wallet on Solana and EVM networks paired with a Visa secured credit card that allows users to spend their crypto holdings without selling them. The platform bundles DeFi-powered borrowing (Credit Mode via Jupiter Lend and Fluid), yield generation (Avici Grow), virtual bank accounts, and business accounts into a single mobile application.
Is Avici a public or private company?
Avici is a private company. It is classified as venture growth investor backed and is currently operating.
When was Avici founded?
Avici was founded in 2024. It employs 1 to 10 people.
Where is Avici based?
Avici is headquartered in Middletown, United States, in the North America region.
How does Avici make money?
Five revenue lines are on record. Interchange Fees are the primary driver. The others are avici Grow Yield Product, credit Mode Interest, card Fees and fiat Onramp/Offramp Services.
Who are Avici's main competitors?
Broad incumbents on record are Revolut, Coinbase, Crypto.com and Bybit Card. Direct peers are Wirex, Nexo and Gnosis Pay. Emerging players are Phantom, Safe (prev. Gnosis Safe) and 1inch Card.
Does Avici have an API?
No public API is recorded for Avici.
What industry is Avici in?
Avici's product category is Crypto Neobanking. Its primary akta.pro industry code is FSADAFAG, Crypto-Backed Consumer Loans (Secured), with a secondary code of FSADAFAB, Decentralized Lending Protocols (DeFi Money Markets). Its NAICS code is 52221 and its SIC code is 6199.