Our verdict
Best for: Self-custody users who want global coverage without the US restriction
Tria uses MPC wallets via Threshold Signature Scheme, genuinely self-custodial, with 150+ country coverage including UK, Europe, LatAm, APAC, and ME/Africa (not available in the US). Zero FX markup. The realistic cashback of ~2% is solid. The card is early-stage, which brings both upside (token launch) and risk (less proven at scale). For non-US users who want self-custody with broad international reach, Tria is a serious contender.
Specifications
| Card network | Visa |
|---|---|
| Provider | Threely Dimensions Inc / Nimbus LLC (Delaware) |
| Funding model | Self-custodial: funds stay in your wallet until spent |
| Settlement currency | USD |
| Available in | 150+ countries |
| Supported chains | 200+ chains via BestPath AI routing |
| Supported assets | 1000+ tokens including BTC, ETH, SOL, USDC, USDT |
| Issuance fee | $25 |
| Monthly fee | $0 |
| FX markup | 0% |
| ATM fee | Free or not disclosed |
| Top-up fee | 0% |
| Foreign transaction fee | 0% |
| Cashback | Up to 6% in TRIA (realistic ~2%) |
| Daily spend limit | $1000000 |
| Monthly spend limit | , |
| Last verified | 2026-04-30 |
What to watch out for
- Self-custodial neofinance
- MPC wallets via TSS (Threshold Signature Scheme)
- BestPath AI routing finds cheapest cross-chain path with no manual gas
- 100% collateral required (debit-style)
- 3 tiers: Virtual ~$25, Signature ~$90, Premium ~$250 one-time fees
- backed by Polygon Agglayer + EigenLayer
- airport lounge access at higher tiers
Editorial notes
- Pay first KYC second (no refund if rejected)
- Feb 2026 airdrop disqualified ~90% of users (community controversy)
- $100M transaction volume in 4 months, 250K+ users
- cashback paid in TRIA token, displayed in USD but only redeemable as TRIA
- 3-month cliff after TGE then 6-month linear vest creates lock risk
- Apple Pay/Google Pay supported
Frequently asked questions
Where is the Tria Card available?
As of 2026-04-30, Tria Card is available to residents of United States, United Kingdom, Europe, Canada, Latin America, Asia-Pacific, and Middle East & Africa. Specific country list: 150+ countries.
How does the Tria Card cashback work?
Tria Card offers up to 6% cashback paid in TRIA. Tiered (one-time fees, no recurring): Virtual $25 (1.5%); Premium $109 (3-4%); Signature $250 (4.5-6%). Access codes can unlock 6% on all tiers. Cashback paid in TRIA token (TGE completed Feb 3, 2026 at $0.0158); 20% immediate, 3-month cliff, 80% vests over following 6 months. Self-custodial; US residents excluded. In practice, the realistic effective rate for most users is around 2%.
What are the fees on the Tria Card?
Tria Card has an issuance fee of $25, no monthly fee, no FX markup. See the spec table above for ATM and top-up fees.
Is the Tria Card self-custodial?
Yes. With Tria Card, your funds remain in your own wallet until each transaction is authorised. The card provider does not hold your assets.
Last verified 2026-04-30. Rates and availability change frequently. Always confirm with the issuer before signing up. See our methodology for how we collect and verify this data.