MPChatMPChat
52
Side-by-side card comparison
MPChat vs Avici
Avici Card has the higher Overall Score by 19 points (71 vs 52). Avici Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where MPChat Card may still be the better personal fit.
Latest check Nov 12, 202647 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Avici Card
Best fit
- Using USDC in a user-owned escrow contract to back Visa purchases.
- Choosing a physical secured card with Apple Pay and Google Pay support.
- Frequent ATM use on Signature with no Avici fee; operator fees can apply.
Before you choose
- The first Platinum virtual card costs $15; Signature has recurring pricing.
- There is no ongoing purchase cashback, and Avici Earn is not yet available.
- Collateral backs secured credit; settlement can take up to a week.
Fees & features
Compare the details
CardsMPChat CardOverall52Avici CardOverall71
MPChat CardOverall52Avici CardOverall71Scores
- 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
Costs
- Plan cost
- MPChat Card$0Avici Card$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are 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$0.10 + 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 & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- MPChat CardNot disclosedAvici CardVisa Platinum: 0%
- Base cashback
- MPChat CardNot disclosedAvici Card0%
- Max cashback
- MPChat CardNot disclosedAvici Card0%
- Reward currency
- MPChat CardNot disclosedAvici CardNo cashback
Everyday use
- 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 CardOfficial pages conflict: the itemized tariff lists $1,000 per withdrawal/$3,000 per day; onboarding says $250 per day. Both list up to 3 transactions per day. Confirm your live app limit.
Funding & transfers
- 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
Earn
- 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
- 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
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Avici Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or Avici
Keeping control of your funds
Avici suits spending while retaining control of your funds until payment. With MPChat, control passes to the provider before the purchase.
Using an exchange account
Avici does not require a centralised-exchange account; MPChat does. Consider MPChat if you already want to use that exchange, or Avici if you want to avoid that account requirement.
Using the crypto you already hold
MPChat's reviewed deposit assets include USDT; Avici's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
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; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are 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 November 12, 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.