Aven Bitcoin Visa Card Offers $1M Credit Line at 7.99% APR

collateral held with BitGo Inc. and BitGo Bank & Trust, a federally regulated digital asset trust bank. Card issuance is handled by Coastal Community Bank, a Washington state-chartered institution operating under a Visa license.

"The industry norm for borrowing at fixed rates against Bitcoin is a 1-year term. At Aven, we have 10x the industry standard, unlocking a wide variety of use cases previously not feasible," said Aven's Sisun Lee at the conference.

The card also includes an interest-only repayment period of up to five years. It carries no annual or origination fees and provides unlimited 2% cash back on all purchases.

The product targets long-term holders who want liquidity without triggering taxable events tied to asset sales. Aven said the structure separates custody from card issuance to address compliance and risk management requirements.

Aven was founded in 2019 and focuses on asset-backed lending products. The company said its platform has saved customers more than $300 million in interest payments through March 2026. Its earlier products use home equity and securities as collateral. The Bitcoin card extends that model to digital assets.

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