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按费用、KYC 要求、隐私评分与功能对比加密货币信用卡。

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  5. Avalanche Card International
Avalanche Card International
Avalanche Card International
证件验证
虚拟卡 Visa
6.2
综合
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Avalanche Card International logo

Avalanche Card International

发行方 Rain Liquidity LLC

虚拟卡•Visa•证件验证
获取此卡

Avalanche Card 国际版以非托管信用模式主攻新兴市场。它为无银行账户人群带来了普惠金融,但外汇费与跨境费高于美国版。

优点

  • +为拉美无银行账户人群提供普惠金融服务
  • +自托管 MPC 安全机制将私钥分片保管
  • +免月度管理费
  • +支持 Apple Pay 与 Google Pay
  • +消费利率为 0%

缺点

  • -外汇手续费高达 3%
  • -另需支付最高 3% 的跨境费
  • -逾期还款罚金高达 40 美元
  • -OFAC 与制裁合规要求严格
6.2/10
综合良好
4.8/10
社区评分基于 42 个信息来源
Lv 3
KYC 等级证件验证

目录

对比 Rain Liquidity LLC 的卡片

A
Avalanche Card U.S.
Avalanche Card InternationalAvalanche Card International当前
奖励
返现
—
—
返现币种
—
—
质押奖励
✓
✗
质押年化收益
—
—
新用户奖励
—
—
推荐奖励
—
—
费用
月费
免费
免费
开卡费
免费
免费
ATM 取现费
免费
免费
外汇兑换费
2%
3%
充值费
免费
免费
交易拒付费
免费
免费
限额
每日消费
不限额
不限额
每月消费
不限额
不限额
ATM 取现
不限额
不限额
卡片信息
卡片类型
虚拟卡, 实体卡
虚拟卡, 实体卡
卡组织
Visa
Visa
Apple Pay
✓
✓
Google Pay
✓
✓
A
Avalanche Card U.S.
Avalanche Card InternationalAvalanche Card International当前
奖励
返现
Avalanche Card U.S.—
Avalanche Card International—
返现币种
Avalanche Card U.S.—
Avalanche Card International—
质押奖励
Avalanche Card U.S.✓
Avalanche Card International✗
质押年化收益
Avalanche Card U.S.—
Avalanche Card International—
新用户奖励
Avalanche Card U.S.—
Avalanche Card International—
推荐奖励
Avalanche Card U.S.—
Avalanche Card International—
费用
月费
Avalanche Card U.S.免费
Avalanche Card International免费
开卡费
Avalanche Card U.S.免费
Avalanche Card International免费
ATM 取现费
Avalanche Card U.S.免费
Avalanche Card International免费
外汇兑换费
Avalanche Card U.S.2%
Avalanche Card International3%
充值费
Avalanche Card U.S.免费
Avalanche Card International免费
交易拒付费
Avalanche Card U.S.免费
Avalanche Card International免费
限额
每日消费
Avalanche Card U.S.不限额
Avalanche Card International不限额
每月消费
Avalanche Card U.S.不限额
Avalanche Card International不限额
ATM 取现
Avalanche Card U.S.不限额
Avalanche Card International不限额
卡片信息
卡片类型
Avalanche Card U.S.虚拟卡, 实体卡
Avalanche Card International虚拟卡, 实体卡
卡组织
Avalanche Card U.S.Visa
Avalanche Card InternationalVisa
Apple Pay
Avalanche Card U.S.✓
Avalanche Card International✓
Google Pay
Avalanche Card U.S.✓
Avalanche Card International✓

KYC 要求

Level: 证件验证
邮箱验证
需要
手机验证
需要
身份证件
需要
地址证明
不需要
自拍验证
不需要

社区评分

4.8/10
来源于
@r/CryptoCurrency commenters“Launch announcement thread. Commenters favour the self-custodial design over exchange-linked cards such as Bybit, Gate and Coinbase, arguing that holding your own keys protects against platform insolvency. Counterweight comes from regional gating and the absence of any meaningful rewards programme.”@r/defi commenters“Thread on why spending from DeFi remains awkward. Direct C-Chain integration and the lack of hidden conversion fees on stablecoins are cited as structurally sound choices, but commenters remain sceptical that any card product genuinely removes the traditional intermediaries.”@r/defi commenters“Ideological critique arguing that the current wave of crypto cards simply attaches a Visa logo to a chain of conversions and fails to bypass the financial middlemen crypto was meant to replace. Avalanche Card is grouped into that pattern rather than singled out.”@r/CryptoCurrency commenters (European residents)“European users push toward Gnosis Pay for better FX and MiCA alignment, noting Avalanche Card excludes Ukraine, several US states and major EU markets. A repeated warning is that spending AVAX for routine purchases triggers a capital gains event per transaction in jurisdictions such as Germany, turning everyday spending into a tax reporting problem.”@JingWei Jiang, Zaddy, -MK007-, Yaser Ebtahaj and other Play Store reviewers“Android listing sitting around 3.7-3.8/5 across roughly 282 reviews with 50,000+ downloads. Praise centres on the free Visa card, instant virtual card issuance for immediate Apple and Google Pay use, and avoiding traditional bank decline fees. JingWei Jiang reports that depositing AVAX triggered an automatic 50% hold and that the remaining unheld balance could not be withdrawn. Zaddy describes forced logouts every 24 to 48 hours with no FaceID or fingerprint support, leaving SMS codes that frequently fail to arrive. Yaser Ebtahaj reports waiting more than 20 days for a physical card with no tracking updates.”@Google Play reviewers (Filipino locale)“Localised Play Store listing for the same app, confirming the same rating band and download volume. Surfaces the same split between instant virtual card issuance on the positive side and session management plus withdrawal friction on the negative.”@chris nunez77 and other App Store reviewers“iOS listing around 3.2/5 across roughly 28 ratings. chris nunez77 reports depositing 36 AVAX and being unable to withdraw for over 20 days, receiving only an automated reply stating there was no timeframe for resolution, and explicitly warns others against depositing funds. Others describe the card details page hanging indefinitely after locking a virtual card, execution reverted errors on withdrawal, and dispute the advertised 24/7 support.”@Charles Naut (Rain CTO), Avalanche Hack House“Technical presentation on how the card bridges C-Chain settlement to Visa rails, covering per-user smart contracts, dynamic spending power of 100% on stablecoins versus 50% on AVAX and wAVAX, automatic liquidation of unpaid balances, and the absence of a bank intermediary. Developer audience responds enthusiastically; comments ask for clarity on repayment terms and liquidation percentages and criticise the vagueness of the official presentation.”@Rain co-founder, Avalanche Summit London“Conference session on card architecture and the no-bank-intermediary model. Presentation-led and positive in tone, with thin comment activity mostly consisting of clarification questions on collateral percentages and liquidation mechanics.”@Avalanche Support“Help centre article that sets the baseline the community tests against: self-custodial framework, support for USDC, USDT, AVAX and wAVAX, zero monthly and issuance fees, 1% FX, and KYC requiring legal name, government ID, SSN or national ID and a live selfie, with manual review taking up to 72 hours.”@Avalanche Foundation“Launch post framing the card around banking access in Latin America, the Caribbean and Nigeria, where roughly 70% of the population is unbanked and double-digit inflation erodes savings. Positions stablecoin spending as purchasing-power preservation rather than a rewards play.”@The Paypers“Trade coverage of the debut, treating the removal of the intermediary step of moving funds to a centralised exchange before spending as the main evolutionary gain for Web3 payments.”@Avalanche developer relations“Architecture piece describing the layered stack: C-Chain settlement with Circle USDC and CCTP, embedded wallets via the Core SDK that avoid seed phrases, meta-transactions and relayers that abstract gas so users need not hold AVAX for fees, and Rain plus Nimbus handling KYC/AML and fiat endpoints.”@Rain“Issuer account of the partnership, confirming Rain Visa Principal Member status and the non-custodial collateral model in which the issuer never takes custody and liquidates only the amount required to settle a transaction.”@Rain“Details Guardrail runtime smart contract monitoring across more than thirty chains, scoring senders, recipients and contracts on transaction value, volume patterns, approval anomalies and oracle deviation, with circuit breakers firing in under 100 milliseconds. A clear step beyond retroactive audit-only security.”@Rain and Chainalysis“Explains real-time wallet screening against sanctioned entities, darknet markets and known scam operations, with flagged wallets blocked from clearing the Visa network. Strong on security and simultaneously the clearest statement of how much on-chain visibility the product requires.”@Rain“Product page for programmable payments infrastructure, issuing scoped cards with hard-coded limits on transaction amount, approved merchants and spend intervals.”@Rain“Describes the B2B agentic payments layer used by Y Combinator-backed Sponge to issue permissioned cards to AI agents. Widely treated as the strongest technical moat around the platform, and a sharp contrast with the state of the retail consumer app.”@Rain“Corporate claim that customisable rewards programmes lifted partner card spending by 25%. Both research passes flag that no liquid, withdrawable rewards value is confirmed for Avalanche Card holders, making this the main marketing-versus-reality gap on incentives.”@Third National LLC / Rain Liquidity LLC“Confirms collection of on-chain transaction history, wallet addresses, precise geolocation and biometric identifiers, with facial geometry retained for up to three years after last interaction. The single most-cited basis for the low privacy score.”@Rain Trust Center“Publishes SOC 2 Type II and PCI DSS 4.0.1 attestations covering how payment card data is handled across the network.”@Rain“Announcement of PCI DSS compliance for the stablecoin card stack, reinforcing the enterprise-grade compliance posture that underpins the Visa relationship.”@Rain“Issuer blog index used to trace product announcements, compliance milestones and rewards messaging over time.”@Rain“Perspectives category of the issuer blog, carrying strategy pieces on stablecoin payments and emerging-market positioning.”@PrivSec-dev contributors“Community compatibility report confirming the app fails on GrapheneOS and other de-Googled ROMs because it depends on the Google Play Integrity API, with backup and restore also blocked. A hard exclusion for the privacy-focused Android demographic.”@PrivSec.dev“Broader community-maintained compatibility list for banking apps on hardened Android, providing context on Play Integrity attestation and placing this app among those that hard-fail.”@Paymentscan“Comparison table showing roughly 0.2% base cashback and 1% FX against RedotPay, KAST at 2%, EtherFi at 3% and Plasma One at 2%. The clearest single piece of evidence that rewards are the weakest dimension of the product.”@Paymentscan“Card-level stats page reporting roughly $24.8M total transaction volume, well behind RedotPay at $475.9M, KAST at $199.0M, EtherFi at $108.8M and Plasma One at $36.2M.”@Four Pillars Research“Independent payment dashboard tracking crypto card transaction volumes, corroborating the modest share held relative to leading issuers.”@Cardpilled“Independent card profile confirming non-custodial MPC and smart-contract design, zero core fees, full KYC and negligible cashback. Flags a thin review base and physical card delivery running 14 to 30+ days.”@CryptoCardHub“Aggregator profile listing Apple and Google Pay support, zero issuance and shipping fees and no cashback programme, with withdrawal friction identified as the main user-reported risk.”@OpenCryptoCards“Directory entry covering fee structure, supported assets and geographic restrictions, consistent with other aggregators on the absence of rewards.”@Chainee (Taiwan)“First-hand testing from Taiwan reporting that effective loss on small purchases sometimes came in below the advertised 1%, alongside a genuinely free physical card and successful binding to local payment rails. Criticises SMS-only login friction and the absence of any rewards programme.”@MWM app analytics“Third-party app analytics profile aggregating iOS ratings and review velocity, confirming how thin the review base remains for a live product.”@K L A I on Binance Square“Community post framing the card as a bridge between DeFi holdings and everyday spending, positive on the direct C-Chain integration and the absence of conversion fees when spending stablecoins.”@OKX Learn“Ecosystem explainer on USDC integration and the Visa partnership, positive on Avalanche DeFi growth but with no first-hand card usage reported.”@@TheAvaxCard (official account)“Official card account. The feed itself is promotional, covering product updates and spending volume milestones including one snapshot showing weekly crypto-card spend up 49.9%. Most of the organic signal sits in the replies, where shipping delays and support escalations surface.”@@KlaionX“Part of the thin organic X discussion set around the card. Themes across these accounts are fee and custody comparisons against rival crypto cards, spending volume rankings, and the competitive weakness of near-zero cashback. Individual claims are attributed at set level rather than per post in the underlying research.”@@Raptor2799“Organic X discussion covering free issuance of virtual and physical cards, low or no conversion fees relative to competitors, and Visa acceptance with Apple and Google Pay. Balanced against complaints about zero rewards and limited geographic availability.”@@andreaspujihar“Organic X discussion of day-to-day card experience, including untracked or slow physical card shipping in some regions and occasional reports of unexpected deductions on deposits or FX variance against the advertised 1%.”@@NikitaSergunov“Organic X discussion positioning the card among competing crypto cards. Non-custodial design and low fees are treated as genuine strengths, while the absence of cashback is repeatedly cited as the reason it is not recommended as best-in-class.”@@0xDani“Organic X discussion including a documented support case that required tagging company executives publicly before resolution, illustrating the gap between the marketed 24/7 dedicated support and observed responsiveness.”

Avalanche Card International 在 42 个信息来源中获得 4.8/10 的评分,是后端工程与零售落地严重脱节的典型案例。用户普遍认可其在 Avalanche C-Chain 上的真正自托管设计、零月费与零发卡及邮寄费用,以及 1% 的外汇费率(台湾实测有时更低)。负面评价集中在执行层面:存入 AVAX 后被自动冻结 50% 作为抵押缓冲,叠加提现故障,导致部分用户资金 20 天以上无法取出;App 每 24 至 48 小时强制重新登录且不支持生物识别;返现仅约 0.2%,远低于同业的 2% 至 4%;客服回复多为自动化模板且不给出解决时限。更适合通货膨胀严重地区的稳定币日常支付,而非美欧地区追求收益的用户。

分项评分

KYC 便捷度
6/10
费用性价比
8/10
奖励价值
3/10
App 体验
4/10
隐私
5/10
客服质量
3/10

功能

闪付(非接触支付)

支持的加密货币

USDC iconUSDCUSDT iconUSDTAVAX iconAVAX