Aven Bitcoin Visa® Card
Flexible financing
backed by your Bitcoin
from 7.99% APR.1
Trustpilot
TrustScore 4.9 | 9,625+ reviews$3B+ funded to customers.
Bitcoin held with 
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Trusted Lender
Aven has funded $3B+ to over 250,000 customers across home equity, credit cards and more.
No Rehypothecation. Ever.
Your Bitcoin is never lent out. It is held with BitGo Bank & Trust, a licensed institutional custodian.
BitGo's Proof of Reserves
Cryptographic snapshots and blockchain verification demonstrate your deposits are backed 1:1 by real assets.
One flexible line of credit.
Three ways to borrow.
See what you can borrow
Variable APR for purchases. Fixed APR for cash-outs and balance transfers. Estimate only. Approval subject to credit approval and BTC verification.
- 1.
Customize your credit line and APR
Borrow up to $1,000,000. Available credit depends on the value of your pledged Bitcoin. APR is based on your selected loan-to-value.
- 2.
Deposit Bitcoin
Your Bitcoin is held with BitGo Bank & Trust, a licensed institutional custodian. We never re-hypothecate or lend your Bitcoin. Learn more
- 3.
Swipe or cash out to your bank
Use only what you need. No maintenance or annual fees. 1% fee on cash-outs and balance transfers.1
- 4.
Choose a payment plan
Get a revolving credit card with fixed rate plans up to 10 years, or Interest-Only plans for up to 5 years.3
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Variable APR for purchases. Fixed APR for cash-outs and balance transfers. Estimate only. Approval subject to credit approval and BTC verification.
Questions?
The Aven Bitcoin Visa® Card is a line of credit backed by your Bitcoin. Make everyday purchases like any other credit card, and earn unlimited 2% cash back on purchases.2
We don't charge annual, sign-up, or pre-payment fees. Like other credit cards, there is a 1% fee on cash-outs and balance transfers.
There is a 2% fee on full liquidations and a $50 fee for each additional card (authorized user) or replacement card.1
Your Bitcoin is held with BitGo Bank & Trust, a regulated custodian that provides institutions with fiduciary-grade asset protection. We never lend or re-hypothecate your pledged Bitcoin.
LTV is how much money you've borrowed compared to how much your Bitcoin is worth at any time. For example, if your LTV is 40%, it means you've borrowed 40% of the value of the Bitcoin you deposited. Keeping your LTV low can help protect you from possible partial or full liquidation if Bitcoin's price changes.
There are two types of liquidation: partial and full. A 2% full liquidation fee applies only to full liquidations.1
Partial liquidation
We may sell a portion of your pledged Bitcoin in two situations:
- If your account is past due, we will sell enough of your pledged Bitcoin to cover the past-due amount.
- If your LTV exceeds 80% and is not reduced within 72 hours, we will sell enough of your pledged Bitcoin to return your LTV to the LTV selected at origination (30%, 50%, or 70%).
If your LTV reaches 85%, we will sell your pledged Bitcoin to repay your outstanding balance and any applicable fees.
Any remaining Bitcoin will be returned to your designated wallet. Any remaining proceeds from the liquidation will be refunded to you by check (U.S. dollars).
We send alerts to help you monitor your account, but delivery is not guaranteed, particularly during periods of high market volatility.
