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Cypher Card, Tria Crypto Card, and Avici Crypto Card each solve a different piece of the crypto spending problem. Cypher bets on multi-chain breadth: 1,000+ tokens across 16 chains. Tria bets on abstraction: gasless payments without worrying about networks. Avici bets on Ethereum depth: clean DeFi integration for ERC-20 users. Here’s how they compare for real-world use in 2026.
Cypher vs Tria vs Avici: Comparison
| Feature | Cypher Card | Tria Crypto Card | Avici Crypto Card |
|---|---|---|---|
| Type | Prepaid | Debit | Debit |
| Network | Visa | Visa | Visa |
| Custody | Self-custodial ✅ | Self-custodial ✅ | Self-custodial ✅ |
| Cashback | Variable | 5% | 2% |
| Annual Fee | $0 (basic) / $199 (premium) | Free | Free |
| FX Fee | 0.75%–1.75% | 0.5% | 0% ✅ |
| ATM | $2,000/day | Standard | €1,000/day |
| Assets | 1,000+ tokens, 16 chains | BTC, SOL, 1,000+ coins | ERC-20 tokens only |
| Metal Card | Yes (premium) | No | Yes |
| Regions | Global | Global | EEA only |
| Review | Click here | Click here | Click here |
Cypher Card
Cypher’s defining strength is multi-chain breadth: 1,000+ tokens across 16 blockchains, self-custodial, global Visa. For users whose portfolio spans Ethereum, Solana, and other ecosystems, Cypher removes the need to bridge or swap before spending — you spend any token directly. FX fees (0.75%–1.75%) are the meaningful cost. Premium tier ($199/year) adds a metal card and concierge services. Rewards are variable, not fixed — check current schedule before applying.
- ✅ 1,000+ tokens across 16 chains · self-custodial · global Visa · $2,000/day ATM
- ⚠️ FX fees up to 1.75%; variable (not fixed) cashback; $199/year for premium features
- 📌 Best for: Multi-chain DeFi users who want to spend any token without converting first
Tria Crypto Card
Tria’s differentiator is chain abstraction: gasless payments that hide the underlying network complexity. Spend BTC, SOL, or 1,000+ other coins without managing gas fees or switching networks. 5% cashback (the highest in this trio), 0.5% FX fee, global availability. No annual fee. Best for users who want simple, high-cashback crypto card spending without thinking about which chain their assets are on.
- ✅ 5% cashback · gasless chain abstraction · 1,000+ coins · 0.5% FX · global · no annual fee
- ⚠️ No metal card; ATM structure less transparent; rewards sustainability depends on ecosystem
- 📌 Best for: Multi-coin holders globally who want high cashback with minimal payment friction
Avici Crypto Card
Avici is Ethereum-focused: ERC-20 tokens only, self-custodial, 0% FX, 2% cashback, DeFi yield integration, and a premium metal card. Available in EEA only. The DeFi yield integration is the standout feature — your assets can keep earning yield while simultaneously backing your card spending. Best for EEA Ethereum users who want a premium card experience with native DeFi integration and zero FX cost.
- ✅ 0% FX · 2% cashback · DeFi yield integration · metal card · self-custodial · €1,000/day ATM
- ⚠️ EEA only; ERC-20 tokens only; lower cashback than Tria
- 📌 Best for: EEA Ethereum users wanting premium DeFi card with zero FX and yield on holdings
Bottom Line: Cypher wins on multi-chain breadth — the only card here that spans 16 chains with 1,000+ tokens. Tria wins on cashback (5%) and frictionless chain abstraction for global users. Avici wins for EEA Ethereum users who want 0% FX, DeFi yield, and a metal card. Geography constrains Avici to EEA. Tria and Cypher are global. The decision: multi-chain → Cypher; high cashback with simplicity → Tria; Ethereum-native EEA DeFi → Avici.
📋 Reviews: Cypher | Tria | Avici
📊 Related: Non-Custodial Cards | DeFi Cards
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