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

Avici Money has launched virtual accounts in the U.S. and E.U. using infrastructure from MoonPay and Iron, enabling users to fund self-custodial crypto wallets via traditional payment methods like ACH and SEPA according to StableDash.

• Spending through Visa-issued crypto cards increased by 525% in 2025, from $14.6 million to $91.3 million, with EtherFi leading the market with $55.4 million in annual spending according to Yahoo Finance.

• Avici, a Solana-based Neo bank, offers self-custody Visa cards that allow users to access instant credit lines backed by their crypto holdings without selling their assets, with users already spending $7 million since its launch in September 2025 according to AI Invest.

Avici Money has introduced a new feature enabling users in the U.S. and E.U. to fund their self-custodial crypto wallets using traditional banking methods according to StableDash. This advancement is supported by partnerships with MoonPay and Iron, which provide the underlying infrastructure for virtual accounts. Users can now deposit funds through ACH, SEPA Instant, and other traditional payment methods while maintaining control over their crypto assets. The integration aims to make on-ramping to crypto feel as familiar as traditional bank transfers.

The broader crypto industry is witnessing a significant shift in how users perceive and use digital assets. Spending via Visa-linked crypto cards surged by 525% in 2025, rising from $14.6 million to $91.3 million in annual net spend according to Yahoo Finance. This trend reflects a growing preference for using crypto as a practical tool for everyday transactions rather than just a speculative investment.

Avici is contributing to this trend through its innovative use of self-custody Visa cards. These cards allow users to spend their crypto without converting it into fiat, providing instant access to credit lines backed by their digital assets. Since its launch in September 2025, Avici users have already spent over $7 million through their Visa cards according to AI Invest. The platform's approach addresses a key challenge in mainstream adoption by bridging the gap between traditional finance and blockchain-based spending.

What is the significance of Avici's virtual accounts?

Avici's virtual accounts in the U.S. and E.U. represent a crucial step in integrating traditional finance with the crypto ecosystem according to StableDash. By leveraging partnerships with MoonPay and Iron, Avici enables users to connect their self-custodial wallets with traditional banking systems using familiar methods like ACH and SEPA. This integration reduces the complexity and barriers associated with on-ramping to crypto, making it more accessible to a wider audience.

The introduction of virtual accounts is particularly significant in the context of broader industry trends. As crypto moves from being a speculative asset to a functional currency, the ability to fund wallets using traditional banking methods is becoming increasingly important. This shift is supported by the rise of stablecoins, which provide the necessary stability for everyday transactions while mitigating the volatility often associated with crypto.

How is Visa's expansion of crypto-linked cards impacting adoption?

Visa's expansion of crypto-linked cards is playing a key role in the adoption of crypto as a practical payment method according to Yahoo Finance. The 525% increase in Visa-issued crypto card spending in 2025 indicates a growing acceptance of crypto among consumers. Stablecoins like USDC and USDT are central to this trend due to their reduced volatility, making them suitable for daily transactions.

Platforms like Avici and EtherFi are further supporting this shift by offering self-custody options and instant credit lines backed by crypto holdings according to AI Invest. These features enable users to spend their crypto without selling it, effectively turning digital assets into a functional currency. EtherFi, for example, led the surge in Visa-linked crypto card spending with $55.4 million in annual spending.

What are the risks and limitations associated with crypto-linked cards?

Despite the growing adoption of crypto-linked cards, there are several risks and limitations that users should be aware of according to Yahoo Finance. These cards rely on the platform or issuer for functionality, meaning that users are exposed to the risks of platform failures, account freezes, or other operational issues. Additionally, fees such as conversion spreads, ATM charges, and foreign transaction costs can add up, making it important for users to understand the fine print.

Users are advised to treat crypto-linked cards as spending tools rather than savings accounts according to Yahoo Finance. It is recommended to keep only the funds that are intended for spending on these cards. This approach helps mitigate the risks associated with holding larger amounts of funds on platforms that may not be as stable as traditional banking systems.

The rise of crypto-linked cards and virtual accounts marks a significant step in the mainstream adoption of digital assets. As more platforms like Avici continue to innovate and bridge the gap between traditional finance and blockchain-based spending, the potential for crypto to become a functional currency becomes increasingly plausible. However, users should remain cautious and treat these tools as part of a broader financial strategy rather than as a replacement for traditional banking.