What Is AVICI? How Does It Work and How To Use It?

AVICI is building an internet native neobank that connects fiat and cryptocurrency. The goal is simple. You should be able to hold digital assets and spend them anywhere Visa is accepted. 

The platform offers self custody. That means you keep control of your funds. AVICI is live on EVM networks and Solana. It provides a smart contract wallet, virtual bank accounts, and credit cards. This article explains what AVICI is, how it works, and how you can use it.

Key Takeaways

• AVICI is a crypto neobank with Visa credit cards and a self custody wallet.
• Users deposit USDC into a smart contract to get spending power.
• The AVICI token powers the ecosystem and is launched via an IDO on MetaDAO.

What are AVICI & AVICI Services?

AVICI is an internet native neobank built on crypto. It connects traditional finance with digital assets. You can use it like a bank but without giving up ownership of your funds. 

The project vision is to build distributed internet banking infrastructure. It aims to reduce the need for central banks over time.

Key Ecosystem Services

AVICI offers several key services. Here are those services:

• Credit Cards: AVICI provides Visa credit cards issued by Third National. You can spend crypto directly at merchants. The cards work with Apple Pay and Google Pay for tap to pay.
• Virtual Bank Accounts: AVICI offers USD and EUR virtual bank accounts powered by Iron. These accounts let you onramp fiat to crypto using Fedwire, ACH, or SEPA. Fiat is auto converted to USDC and sent to your AVICI wallet.
• AVICI Wallet: This is a smart contract wallet built using Zerodev. It is secured by smart contracts instead of a traditional private key. This removes the risk of losing access due to a misplaced key. It also enables multi factor authentication and social recovery. The wallet supports EVM networks and Solana.
• Pay with Link: This feature lets you send money like a message. You create a link with money in it. The recipient opens it in AVICI to claim. No wallet address or username is needed.

Read also: What is MUSEBOOK Token? AI Agent Social Meme Coin on Robinhood Chain

How Does AVICI Work?

The core mechanism is a self custodial loan escrow model. Here is how it works:

1. Deposit USDC into a Loan Escrow Smart Contract: You deposit USDC into a smart contract controlled by your own wallet. AVICI uses this deposit to create a USD credit balance on your card.
2. Spend Using Your USD Credit Balance: When you make payments, the spent amount is deducted from your available credit balance.
3. Automatic USDC Settlement: AVICI periodically liquidates the equivalent USDC amount from the escrow contract. Settlement happens every 1-2 days or sometimes weekly to pay a Visa.
4. You Keep Full Custody Control: The loan contract is not controlled by Third National, AVICI, or Visa. Only your wallet can withdraw funds after outstanding spending is deducted. Your assets remain under your control.
5. Gas Support Across Networks: AVICI sponsors gas fees on supported EVM networks and Solana.Solana users receive up to 5 free transactions per day. Ethereum Mainnet users need to deposit ETH for gas fees.
6. Secure Login with Social Login & Passkeys: Sign in using Google or iCloud. Your email becomes one wallet signer. A biometric-enabled passkey provides transaction approval for every action.

Users also create a passkey secured with biometric authentication. Every transaction requires approval through this passkey, adding an additional layer of security and user control.

How to Use AVICI (Step by Step Guide)

Using AVICI is straightforward. Follow these steps:

1. Create your account: Download the AVICI app. Sign in with Google or iCloud. Set up your passkey when prompted. This step is mandatory for security.
2. Add money: Tap the Add Money button on the home screen. A QR code and wallet address will appear. You can receive funds on EVM networks and Solana. Funds sent here are automatically added to your wallet balance.
3. Get your card: Tap Get Card on the home screen. Choose your card tier. Platinum is a basic dollar card with a $15 one time fee. Signature offers Visa Signature benefits for $30 the first year, then $20 annually. Pay the card fee in USDC. Select your network and slide to order.
4. Complete verification: Verification is required to activate your card. Tap Proceed to Verification. Select your account type and country. Enter your personal information. Upload your ID documents. Complete a liveness check. This takes about two minutes.
5. Top up your card: Go to the card section and tap Top up. Select the token you want to use. Enter the amount. Slide to top up. Card top ups are instant but can take up to two minutes to show in your spending balance. Minimum top up is $1.
6. Spend: Use your virtual card online. Add it to Apple Pay or Google Pay for tap to pay. Physical cards can be used for swipe, insert, or tap. You can also withdraw cash at ATMs.
7. Withdraw funds: Tap Withdraw on the homepage. Enter the wallet address or scan a QR code. Select the asset and amount. Verify with your passkey.
8. Swap assets: Tap Markets on the navigation panel. Select the asset you want to swap from and to. Enter the amount. Review the quote. Slide to swap.

AVICI Tokenomics, Token Metrics & Roadmap

AVICI Token Overview & IDO

The AVICI token is the native asset of the ecosystem. The total supply is 12.9 million tokens. The IDO took place on MetaDAO from October 14 to October 18, 2025. 

The raise was $3.5 million. The IDO price was $0.35. Tokens for sale were 10 million. There was 100% unlock at the IDO.

AVICI Roadmap & Upcoming Features

AVICI has a master plan. The plan is idealistic and mission-oriented. The team realizes that not everything may be feasible. Here is the master plan:

• Use Stablecoin Visa cards to keep gaining distribution.
• Build an internet neobank that is 10x better than regional banks in emerging markets by providing local card BIN's, better  & smarter realtime credit lines.
• Make Avici the default payroll account and primary home of finances and a safe place to store wealth with privacy.
• Launch an independent trust score to replace FICO’s bank-biased model.
• Deliver mortgages, personal and business loans, and major credit lines directly from on-chain investor pools to users with high trust scores.
• Reduce dependence on central bank interest rates, thus Fiat's role. 
• Kickstart a world reserve stablecoin governed by Futarchy, realizing Ray Dalio’s prediction but with an internet currency controlled by people, not the Yuan or BRICS.

The worst case is a self custodial neobank with a Visa spend card generating solid interchange revenue. The best case is a DAO that helped reduce fiat roles.

Read also: Guide to Buying TINA Coin 2026 – Step by Step and Safely

AVICI Market Performance & Price Prediction Analysis

The live AVICI price today is around $0.2768. The 24 hour trading volume is about $124,344. The market cap is $3.56 million. The circulating supply is 12.89 million tokens. There are 12.12K holders.

The technical picture is weak. AVICI is in a long decline. The 90 day drop is extreme at negative 75.81%. The 30 day view shows a negative 37.36% return. The 7 day view is nearly flat at negative 0.12%. The 1 day view shows negative 10.99%.

Key levels to watch: Support is at $0.2188, about 21% below the current price. Resistance is at $0.5669, about 104% above. A prior rejection area sits at $0.601.

The AVICI price prediction depends on adoption. If the neobank gains users and the card product grows, the token could recover. 

If the decline continues, support at $0.2188 may be tested. The market is small. About $389K traded per day. That means price swings can be sharp.

How to Buy AVICI Crypto

Buying AVICI requires a few steps. Follow this list.

1. Choose a platform: AVICI completed its IDO on MetaDAO. Check official AVICI channels for current exchange listings. The token may be available on decentralized exchanges.
2. Set up a wallet: Use a Web3 wallet that supports EVM networks or Solana. MetaMask and Phantom are options.
3. Fund your wallet: Buy USDC, ETH, or SOL from a centralized exchange. Send it to your wallet.
4. Swap for AVICI: Connect your wallet to a supported exchange. Import the official AVICI contract address. Swap your funds for AVICI.
5. Store securely: Keep your AVICI in your own wallet. Never share your private keys or seed phrases.

Always verify the contract address before trading. Fake tokens are common.

Read also: What Is United States Dividend Fund (USDF) Coin?

Conclusion

AVICI is building a bridge between crypto and everyday spending. It offers a self custodial wallet, Visa cards, virtual bank accounts, and a token that powers the ecosystem. The product is live. The card works at over 100 million merchants. 

The wallet supports EVM and Solana. The token has struggled in the market, but the project has a clear vision.

For anyone who wants to hold crypto and spend it without selling, AVICI is worth watching. The key is adoption. More users mean more card spending. More spending means more interchange revenue. That revenue supports the ecosystem. 

FAQ

What is AVICI?

AVICI is an internet native neobank built on crypto. It offers Visa credit cards, a self custody wallet, and virtual bank accounts.

How does AVICI work?

Users deposit USDC into a smart contract. That creates a USD credit balance on their card. Spent amounts are liquidated to settle with Visa.

How to use AVICI?

Create an account with social login. Set up a passkey. Add money. Get a card. Complete verification. Top up and spend.

What is the AVICI token?

AVICI is the native token. Total supply is 12.9 million. It launched via IDO on MetaDAO.

What is the AVICI price prediction?

The price depends on adoption. Support is at $0.2188. Resistance is at $0.5669. The market is small and volatile.

How to buy AVICI crypto?

Check official channels for exchange listings. Set up a Web3 wallet. Fund it. Swap for AVICI on a supported exchange.

Disclaimer: The views expressed belong exclusively to the author and do not reflect the views of this platform. This platform and its affiliates disclaim any responsibility for the accuracy or suitability of the information provided. It is for informational purposes only and not intended as financial or investment advice.