AVICI Launches Virtual Accounts as Visa Crypto Card Spending Jumps 525%

Avici Money has launched virtual bank accounts in the U.S. and E.U., allowing users to fund self-custodial crypto wallets using ACH and SEPA transfers according to reports.

Visa-linked crypto card spending surged by 525% in 2025, with EtherFi leading the trend with $55.4 million in annual spending according to data.

Smart money investors are increasingly allocating capital to low-cap Solana tokens, including $AVICI, as they seek upside potential in less crowded markets according to reports.

Avici Money has introduced virtual bank accounts to help users fund their self-custodial crypto wallets using traditional payment methods such as ACH in the U.S. and SEPA in the E.U. according to reports. This move is part of a broader effort to integrate crypto into mainstream financial systems and facilitate everyday transactions. Avici's Solana-based platform also allows users to access instant credit lines backed by their crypto holdings, promoting practical usage of digital assets according to reports.

The surge in Visa-linked crypto card spending in 2025 highlights a shift in how users are treating crypto. Spending increased from $14.6 million to $91.3 million, reflecting a growing preference for stablecoins like USDC and USDT for everyday purchases according to reports. Avici's Visa card, launched in September 2025, has already facilitated $7 million in spending, showcasing the platform's role in bridging traditional and digital finance according to reports.

Smart money investors are increasingly looking to low-cap Solana tokens, including $AVICI, for their potential upside in less crowded markets. These tokens, typically with market caps below $100 million, offer strategic positioning for investors who can significantly influence outcomes through position sizing according to reports. The trend is seen as a risk-on opportunity, where smart money identifies potential growth where others see risk.

What Is Driving the Surge in Crypto Card Spending?

The surge in crypto card spending is largely attributed to the increasing use of stablecoins for everyday transactions. Stablecoins like USDC and USDT have become the preferred medium for spending due to their reduced volatility compared to other cryptocurrencies according to reports. This trend is further supported by platforms like Avici and EtherFi, which provide users with self-custody options and instant access to credit lines backed by crypto holdings according to reports.

Users are advised to treat crypto cards as spending tools rather than savings accounts due to potential conversion fees and account risks. This caution is especially relevant for platforms that provide instant credit lines backed by crypto holdings, as these come with financial responsibilities and potential losses according to reports.

How Are Smart Money Investors Allocating to Low-Cap Solana Tokens?

Smart money investors are strategically allocating to low-cap Solana tokens, which offer significant upside potential in less crowded markets. These tokens, with market caps below $100 million, allow investors to position themselves ahead of potential large-scale gains according to reports. The trend is particularly notable on the Solana network, where tokens like $AVICI have attracted attention for their potential to deliver high returns.

The allocation strategy is based on the understanding that position sizing can significantly influence outcomes in low-cap tokens. This approach allows investors to leverage their capital in markets where demand and momentum can drive substantial price movements according to reports.

The rise in smart money interest in low-cap Solana tokens is also supported by data from tracking platforms like Birdeye, which show consistent inflows into these assets over the past 24 hours according to reports. This data underscores the growing confidence among investors in the potential of these tokens to deliver returns.

What Are the Implications for the Broader Crypto Market?

The growing adoption of crypto cards and the increasing interest in low-cap tokens are signaling broader market maturity and institutional adoption. These trends are indicative of crypto moving from an experimental technology to a tool for everyday financial transactions according to reports. The integration of crypto into traditional financial systems is further supported by the efforts of platforms like Avici and the planned initiatives of major institutions like Morgan Stanley.

Morgan Stanley, for instance, is set to launch a cryptocurrency wallet in the second half of 2026 and introduce crypto trading services via E*Trade in the first half of the year. This initiative aims to integrate digital assets into traditional wealth management workflows according to reports. Such moves are seen as a sign of deepening integration between traditional finance and decentralized finance, reflecting institutional adoption moving from exploratory to systemic integration.

The broader implications of these developments are significant for the crypto market. They indicate a shift in perception, where crypto is increasingly viewed as a legitimate asset class and a practical tool for transactions. This shift is supported by the growing number of stablecoin-based solutions and the increasing use of crypto for everyday purchases according to reports.

Collectively, these trends suggest that crypto is evolving from a speculative asset to a mainstream financial tool, with platforms like Avici and initiatives by major institutions like Morgan Stanley playing a pivotal role in this transition according to reports.