Head to head
Plasma One vs Avici
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Pl Plasma One | Av Avici |
|---|---|---|
| Overall rank | #12 of 13 | #13 of 13 |
| Gross FX spread | 2% | 1.15% |
| Net cost on test | N/A | |
| Base cashback | 4 | 0 |
| Custody | Non-custodial | Non-Custodial |
| Virtual card | Free, Core tier is ~$120-$199/yr or 10,000-20,000 XPL lock; Platinum tier is 100,000 XPL lock | $15 once off/ $30 yearly premium |
| Physical card | Upper tiers only | Physical Platinum is $50; Physical Signature is $75 |
| Spend limit | Undisclosed | |
| ATM withdrawals | No ATM access on Lite tier | $1 Fee + 0.65 |
| Setup time | 10 minutes | ~10 minutes |
| KYC steps | 4 | 4 |
| Score | 4/10 | 5/10 |
Plasma One
Plasma One combines self-custodial stablecoin spending with integrated DeFi yield, skipping the friction of swapping tokens. However, the free tier is limited; the premium tiers only give tokens as their cashback, and FX fee's are high. The gated code-invite mode is not recommended
Avici
Avici functions as a self-custodial secured Visa credit card rather than a traditional direct-spend debit card. You must lock USDC into a smart contract to access an equivalent USD credit line. While the underlying account abstraction technology is excellent for security, the steep physical card issuance fees and reported hidden spreads on top-ups make it a heavily restrictive option compared to standard crypto debit cards.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+