MPChatMPChat
52
Side-by-side card comparison
MPChat vs Avici: where the score gap comes from
Avici Card has the higher Overall Score by 19 points (71 vs 52). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 23, 202647 official sources reviewed
01 · Where the gap opens
Avici Card is the better all-round starting point
Avici Card has the higher Overall Score in this comparison. MPChat Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallMPChat52Avici71Higher score
CashbackMPChat18Avici21Compare the details below
TravelMPChat72Avici82Compare the details below
Funds controlMPChat41Avici95Compare the details below
Lowest feesMPChat60Avici74Compare the details below
TransfersMPChat58Avici67Compare the details below
Choose MPChat Card if its day-to-day setup suits you
MPChat Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Virtual and physical options
- No monthly card fee
- USDT funding on Tron
Choose Avici Card if its day-to-day setup suits you
Avici Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- User-owned USDC collateral
- Physical, virtual and phone-wallet use
- Low provider fees
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- MPChat52Avici71
Avici Card has the higher Overall Score by 19 points.
- Entry cost & FX
- MPChat$0 plan · 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate FXAvici$0 plan · 0–1% FX
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 0–1%).
- Purchase rewards
- MPChatNot disclosedAvici0% cashback
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- MPChatCustodial balanceAviciSelf-controlled wallet
MPChat Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- MPChatVirtual + Physical · Google PayAviciVirtual + Physical · Apple Pay, Google Pay
Avici Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- MPChat1 stablecoin · Stablecoin transfersAvici1 stablecoin · Stablecoin transfers
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- Not disclosed
- Plan cost
- $0
- FX fee
- 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- ATM fee
- Boundless only: 2%, minimum $1; Cloud has no ATM access
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–0.65%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
MPChat Card
5 USDT after first virtual card approval
First virtual card referral reward
- Download MPChat through the referral link.
- Enter coupon ID 76912265 during activation of your first virtual card.
- Complete application and card approval; the reward is credited to MPChat Pay after approval.
Coupon ID76912265
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Avici Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsMPChat CardOverall52Avici CardOverall71
MPChat CardOverall52Avici CardOverall71Scores
6 fields- Overall Score
- MPChat Card52Avici Card71
- Cashback score
- MPChat Card18Avici Card21
- Travel score
- MPChat Card72Avici Card82
- Funds control score
- MPChat Card41Avici Card95
- Lowest fees score
- MPChat Card60Avici Card74
- Transfers score
- MPChat Card58Avici Card67
Strengths & trade-offs
2 fields- Strengths
- MPChat CardVirtual and physical options, No monthly card feeAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- MPChat CardPurchase fee on each spend, Effective conversion cost unclearAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- MPChat Card$0Avici Card$0
- FX fee
- MPChat Card0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separateAvici Card0–1%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardAvici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- MPChat Card$0.15 + 0.8%Avici Card0%
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessAvici Card0–0.65%
- Virtual card
- MPChat CardCloud: 10 USDT one timeAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- MPChat CardBoundless: 100 USDT one timeAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- MPChat CardNot disclosedAvici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- MPChat CardVisaAvici CardVisa
- Card formats
- MPChat CardVirtual, PhysicalAvici CardVirtual, Physical
- ATM withdrawals
- MPChat CardAvailableAvici CardAvailable
- Mobile wallets
- MPChat CardGoogle PayAvici CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedAvici CardiOS, Android
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyAvici Card$3,000 per day; the older help page still lists up to 3 ATM transactions per day
Funding & transfers
5 fields- Networks
- MPChat CardTron (TRC20)Avici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- MPChat CardStablecoins: USDTAvici CardStablecoins: USDC
- Fiat deposits
- MPChat CardNot disclosedAvici CardNot disclosed
- Transfers
- MPChat CardStablecoin transfersAvici CardStablecoin transfers
- Payout currencies
- MPChat CardNot disclosedAvici CardNot disclosed
Rewards
3 fields- Base cashback
- MPChat CardNot disclosedAvici Card0%
- Max cashback
- MPChat CardNot disclosedAvici Card0%
- Reward currency
- MPChat CardNot disclosedAvici CardNo cashback
Earn
5 fields- Advertised APY
- MPChat CardNot offeredAvici CardNot offered
- How it works
- MPChat CardNot offeredAvici CardNot offered
- Separate deposit
- MPChat CardNot offeredAvici CardNot offered
- Use balance for spending
- MPChat CardNot offeredAvici CardNot offered
- Lock-up
- MPChat CardNot offeredAvici CardNot offered
Trust & availability
5 fields- Custody
- MPChat CardCustodialAvici CardSelf-custody
- Control until payment
- MPChat CardProvider controls fundsAvici CardYou keep control
- Card issuer
- MPChat CardNot disclosedAvici CardThird National
- Card processing
- MPChat CardNot disclosedAvici CardRelay
- Identity verification
- MPChat CardNot disclosedAvici CardSumsub
Sources
2 fields- Official sources
- MPChat Card30Avici Card17
- Last reviewed
- MPChat CardSep 23, 2026Avici CardSep 20, 2026
04 · The verdict
Avici Card is the stronger all-round choice
Avici Card finishes ahead with an Overall Score of 71 versus 52 for MPChat Card. MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 0–1%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
MPChat Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. MPChat Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full MPChat Card and Avici Card reviews first.
Continue with
MPChat Card
Continue with
Avici Card
05 · Common questions
MPChat vs Avici FAQ
Is MPChat or Avici better overall?
Avici Card has the higher Overall Score (71 vs 52). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, MPChat or Avici?
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 0–1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, MPChat or Avici?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MPChat and Avici differ on custody?
MPChat Card uses a custodial balance setup, while Avici Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MPChat vs Avici comparison?
The latest information check for these two cards was September 23, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.