Tria Card

Tria Card Visa Credit: Revolutionary Self-Custodial Crypto Payment Solution

Basic Information

Rewards and Benefits

Cashback Program

• Virtual Tier: Up to 1.5% cashback on all purchases
• Signature Tier: Up to 4.5% cashback on all purchases
• Premium Tier: Up to 6% cashback on all purchases
• Payment Method: Cashback paid in TRIA tokens (3 months after Token Generation Event)
• Caps: No spending caps or category restrictions mentioned
• Staking Requirements: None required for card benefits

Additional Benefits

• Crypto Yield Opportunities: 6-15% APY depending on tier
• Airport Lounge Access: Available on Signature and Premium tiers
• Travel Insurance: Comprehensive coverage on higher tiers
• Purchase Protection: Up to $10,000 (Visa Signature benefits)
• Referral Program: $650,000 airdrop campaign for early adopters, 20% membership fee discounts
• AI-Powered Tools: Portfolio research and management features

Fees and Limits

Fee Structure

Spending and Withdrawal Limits

Card Tiers and Options

All tiers share identical spending limits ($1,000,000 daily), no minimum spending requirements, and full access to the self-custodial wallet with 0% Tria fees on crypto conversions.

Top-Up Methods

The Tria Card does not require traditional pre-loading or top-up of funds; instead, users spend directly from their self-custody wallet holding 1,000+ supported cryptocurrencies, with no requirement to transfer assets to the card provider before purchases. When making a purchase, collateral equal to the transaction amount is locked on-chain as 1:1 backing, and the proprietary 'BestPath' engine instantly converts selected crypto assets to cover the fiat transaction, with real-time conversion at point of sale and currently 0% Tria conversion fees (promotional). The process is managed through Tria's mobile app, and users always maintain control of their private keys unless collateral liquidation is triggered due to non-payment or collateral value drops. There are no minimum or maximum top-up amounts in the conventional sense, but all spending is limited by the amount of posted collateral and supported digital assets, with a $1,000,000 daily spend cap. Key limitations include the need to maintain 1:1 collateral and the potential for automated liquidation if collateral requirements are not met.

Self-Custody Hybrid Custody

Tria Card uses a hybrid custody model where users retain full control of their private keys and assets in their self-custody wallets until collateral is posted for credit card use. To access spending power, users must supply 1:1 crypto collateral, which is held in a smart contract architecture allowing automated liquidation if payments are missed or collateral value falls. This shared-control approach means users maintain independent access up to the point collateral is locked, but risk losing assets to liquidation if obligations aren't met or if Tria's platform ceases to operate. While day-to-day spending feels non-custodial and users benefit from a wide choice of supported cryptocurrencies, the required collateral posting introduces a transfer of control for the duration of outstanding credit. Overall, this model successfully combines self-custody principles with practical credit card functionality, but users should be aware of the risks of forced collateral liquidation and potential service interruption.

Supported Currencies and Conversion

Cryptocurrencies

Supports 1,000+ cryptocurrencies including BTC, ETH, USDT, USDC, and major altcoins across multiple networks including Ethereum, Polygon, Optimism, Arbitrum, and others. The full list is dynamic and expanding, not publicly disclosed.

Fiat Currencies

• Base Currency: USD (card account denomination)
• Settlement: Any fiat currency accepted by Visa network
• Conversion: Automatic at point of sale using interbank rates

Geographic Availability

Supported Regions

Available in 150+ countries globally (exact list not publicly disclosed)

Restricted Regions

Platform-level restrictions apply to: Russia, Belarus, Venezuela, Cuba, Iran, Syria, North Korea, Ukraine, Turkey, Israel, Mainland China, India, Vietnam, Nepal, Iraq

Card availability also depends on issuing bank policies and KYC outcomes. Users should confirm eligibility through the signup process as supported countries may change over time.

Compliance and Security

Custody Model

• Type: Non-custodial/self-custody
• Technology: MPC (Multi-Party Computation) wallet technology
• User Control: Users maintain control of private keys
• Collateral Management: Tria never holds custody except during liquidation process

Regulatory Framework

• Licensing: Operates through Third National, Inc. (licensed US financial institution)
• Compliance: US banking laws, consumer credit regulations, international AML standards
• KYC Requirements: Mandatory zkKYC (zero-knowledge) technology for privacy-preserving verification
• Monitoring: OFAC sanctions screening, AML monitoring

Security Features

• Real-time Controls: Freeze/unfreeze card instantly via app
• Fraud Monitoring: 24/7 monitoring with instant transaction alerts
• Encryption: All communications encrypted, biometric authentication available
• Insurance: Visa Zero Liability protection for fraudulent transactions

Technical Details

Conversion Mechanics

• Conversion Timing: Real-time at point of sale
• Routing Engine: AI-powered BestPath engine finds optimal routes across multiple blockchains
• Settlement: Instant authorization with background crypto conversion
• Exchange Rates: Interbank rates with no Tria markup (promotional)
• Gas Fees: Eliminated through proprietary routing technology

Technical Architecture

Tria's infrastructure leverages EigenLayer for security, Polygon's Agglayer for cross-chain functionality, and proprietary MPC wallet technology. The BestPath routing engine uses AI to optimize conversion paths across dozens of DEXes and bridges, abstracting complexity while minimizing slippage and gas costs.

User Experience

Mobile Application

• Availability: iOS and Android apps available
• Features: Wallet management, card controls, Web3 dApp access, trading functionality
• Design Philosophy: Hide crypto complexity while maintaining power user capabilities
• Interface: Clean, modern design comparable to mainstream fintech apps

Support Channels

• In-app Support: Chat support available
• Email: [email protected]
• Community: Active Discord server
• Documentation: Comprehensive docs site at docs.tria.so

User Feedback

Positive aspects include high praise for seamless functionality, global acceptance, zero-fee structure, and innovative self-custody approach. Users appreciate the "just works" experience and high cashback rates.

Common concerns include trust in the new platform, tax implications of crypto spending, and delayed token-based rewards.

Best Suited For

• Crypto enthusiasts who want to "live crypto" daily while maintaining self-custody of their assets
• Digital nomads and frequent travelers who benefit from global acceptance and travel perks
• High-volume spenders who can maximize the uncapped cashback system up to 6%
• DeFi users who prioritize maintaining control of private keys while accessing traditional payment rails
• Tech-savvy individuals comfortable with innovative financial products and potential tax complexity

Pros and Cons

Pros

• Industry-leading cashback rates up to 6% with no spending caps
• True self-custody model - users maintain control of private keys
• Zero Tria fees on crypto conversions with AI-powered optimal routing
• High spending limits ($1M daily) across all tiers
• Comprehensive travel benefits and Visa protections on higher tiers

Cons

• Requires 100% collateral in crypto assets, limiting spending flexibility
• Each transaction may constitute a taxable event requiring careful record-keeping
• Cashback paid in TRIA tokens introduces performance risk
• No traditional banking features (IBAN, wire transfers, deposit accounts)
• Relatively new platform with startup risks and potential service changes

Conclusion

Tria Card represents a revolutionary approach to crypto payments, successfully bridging DeFi and traditional finance through its self-custodial model. The combination of industry-leading rewards, zero conversion fees, and true user control over assets creates exceptional value for crypto enthusiasts willing to navigate the complexity.

The platform's technical sophistication - featuring AI-powered cross-chain routing and privacy-preserving KYC - demonstrates genuine innovation beyond typical crypto card offerings. However, the 1:1 collateral requirement and tax implications require careful consideration.

Key differentiators from other crypto cards include the self-custody model (vs. custodial exchange cards), support for 1,000+ cryptocurrencies (vs. limited selections), and premium benefits without token staking requirements. The zero-fee structure appears subsidized by venture funding, creating excellent early adopter value but raising long-term sustainability questions.

Tria Card is ideal for crypto-native users seeking daily spending capabilities without sacrificing self-custody principles, particularly those who can maximize the high cashback rates and benefit from travel perks.

Additional Information

Upcoming Features

• Officially Announced: Perpetual futures trading, real-world asset investments, enhanced AI portfolio tools
• Token Launch: TRIA token generation event with governance features
• Yield Products: Full rollout of crypto earning strategies (currently "Coming Soon")

Risk Considerations

Smart contract risk exists with the MPC wallet system and cross-chain routing protocols. Regulatory uncertainty could impact service availability in certain jurisdictions. The startup nature means features may evolve and terms could change as the platform matures.

Competitive Positioning

Unlike competitors requiring large token stakes (Crypto.com) or offering limited crypto support (traditional bank cards), Tria provides immediate access to premium benefits through annual fees while supporting 1,000+ cryptocurrencies. The self-custody model differentiates it from exchange-issued cards that require depositing funds with custodial providers.