Tria Card

The Tria Card is a self-custodial Visa crypto card built into the Tria neofinance app. It lets users spend supported crypto at ordinary Visa merchants while keeping assets in a wallet they control until they are needed for a purchase.

Tria currently offers three membership tiers: Virtual, Signature and Premium. Virtual is digital-only, Signature adds a physical PVC card and Premium includes a metal card. All tiers include a virtual card.

The card is part of a wider self-custodial ecosystem that also includes swaps, trading, earning features, on-chain identities and rewards. The merchant receives a normal card payment, while Tria handles the crypto conversion and settlement at checkout.

Yes. Self-custody is one of Tria's main differentiators. Tria says the card draws from a wallet controlled by the user rather than requiring crypto to sit permanently in a centralised exchange account.

The crypto remains in the Tria wallet until the amount needed for a purchase is converted and settled through the Visa card infrastructure. This means the card can be self-custodial at the wallet layer while still relying on regulated payment partners for the merchant transaction.

Users should still understand wallet recovery, smart-account permissions and any assets placed into optional Earn products. Self-custody reduces reliance on a centralised custodian, but it also makes wallet security and recovery more important.

Tria currently offers Virtual, Signature and Premium memberships. Virtual includes a digital card. Signature includes a physical PVC card plus a virtual card, while Premium includes a metal card plus a virtual card.

The tiers also change rewards and benefits. Current base cashback is 1.5% for Virtual, 4.5% for Signature and 6% for Premium. Signature and Premium can include airport lounge access when the physical-card requirements are met.

Higher tiers also unlock enhanced earning opportunities and other benefits. Because membership pricing and regional availability can change, users should compare the live membership screen rather than assuming an older launch price still applies.

Tria's current base cashback rates are 1.5% for Virtual, 4.5% for Signature and 6% for Premium. Cashback is paid in eligible stablecoins to the connected Tria wallet rather than in a volatile reward token.

From 1 June 2026, Tria introduced a tiered cashback structure. The highest base rate applies up to a monthly spend threshold, after which eligible spending continues to earn a lower rate instead of dropping to zero. The published thresholds are $100 for Virtual, $1,000 for Signature and $2,000 for Premium.

Eligible users can also receive additional cashback through Staking Badge boosts, which can raise the total rate further.

Yes, for eligible users. The standard Premium base rate is 6%, but Tria's Staking Badge programme can add an extra cashback boost on eligible spending.

The current programme schedule lists boosts from +0.25% for Seed up to +2% for VIP Infinity. Tria has also introduced VIP Trading Badges that can increase total card cashback further, with the highest promotional structure advertising up to 10% total cashback for qualifying users.

These higher rates are not the standard rate for every Premium cardholder. They depend on badge status, programme rules and eligible spending. For comparisons, 1.5%, 4.5% and 6% are the clearer base rates, while higher figures should be treated as conditional.

Tria currently advertises 0% Tria deposit fees on supported assets and 0% Tria foreign-exchange fees across its membership tiers. However, the membership page also states that a 1% Visa FX fee can apply, so 0% Tria FX should not be interpreted as zero total currency-conversion cost in every transaction.

Other costs can depend on the membership, physical-card purchase, ATM usage, network activity and optional products inside the app. Tria's public documentation changes as the programme evolves, so the live app should be used for the final fee before a large transaction.

For comparisons, separate Tria's own fee from Visa, blockchain and third-party costs.

Tria promotes support for spending more than 1,000 crypto assets through its self-custodial wallet and card ecosystem. The exact asset and network combinations available can change as new chains are integrated.

A supported wallet asset is not always identical to a currently spendable card asset, so the live card payment and deposit screens should be treated as the final source before moving funds specifically for spending.

At checkout, Tria converts the required amount into the fiat value needed for the Visa payment. The merchant does not need to accept the original token. This broad asset support is one of the main differences between Tria and cards limited to one or two stablecoins.

Yes. Tria states that its cards support both Apple Pay and Google Pay in eligible regions. This allows Virtual cardholders to make contactless payments and lets Signature or Premium users start spending digitally before the physical card arrives.

Mobile-wallet payments use the same underlying membership benefits and cashback rules as the Tria Card. Buying a Signature or Premium membership also gives the user a complimentary virtual card after verification, so the physical delivery delay does not necessarily prevent immediate card use.

Wallet provisioning can still depend on country, device and card-programme eligibility, so the live Tria app is the best place to confirm availability.

Yes. The Signature membership includes a physical PVC card and the Premium membership includes a physical metal card. The Virtual tier is digital-only.

When you buy Signature or Premium, Tria issues a virtual card after verification so you can start using the membership benefits without waiting for delivery. Physical cards are produced and shipped in batches, and shipping only becomes available when Tria enables delivery for the user's country.

The physical card is also required for some travel benefits, including Visa Airport Companion lounge access. Users should therefore choose Signature or Premium if physical-card use, ATMs or lounge benefits are important.

Tria says its cards are available across more than 200 supported regions, but eligibility is checked country by country during card purchase. The company currently highlights markets including Australia, Canada, Germany, Hong Kong, the UAE, the UK and the United States.

Applicants must be at least 18, physically present in the country selected during the application and able to provide documents that match that residence. Selecting a false supported country can cause KYC rejection.

Because card availability can change faster than the general Tria wallet rollout, the country dropdown in the live card-purchase flow is the final eligibility check.

Yes. Tria requires KYC before the first card can be activated. Applicants provide personal information, supported identity documents and a live photo verification through the mobile app.

Tria currently requires users to be at least 18 and to complete verification from the same country of residence selected during card purchase. After successful KYC, later card purchases generally do not require the entire verification process to be repeated.

KYC applies to the regulated card service even though the underlying Tria wallet is self-custodial. Identity verification does not require users to give support a seed phrase or private key, and those credentials should never be shared.

Yes, for eligible Signature and Premium cardholders with a physical card. Tria says the lounge programme provides access to more than 1,200 airport lounges through Visa Airport Companion.

Virtual-only members are not eligible for this benefit. Signature or Premium users must have the associated physical card, although Tria says the virtual card details linked to that physical membership can be used during Visa Airport Companion registration.

Lounge access can have visit limits, guest rules and regional conditions, so users should check the Visa Airport Companion app before travelling rather than assuming every lounge visit is automatically free.

Tria combines the card with optional Earn features, so users can access yield-bearing strategies within the same self-custodial app. Higher membership tiers can unlock enhanced or boosted reward rates.

The key point is that card cashback and Earn returns are separate. Cashback comes from eligible card spending, while Earn involves allocating assets to on-chain vault strategies. Tria says boosted rewards can be layered on top of a vault's base APY and may depend on the user's membership tier.

These returns are not equivalent to bank-deposit interest. They involve smart-contract, stablecoin, liquidity and protocol risks, so users should review the specific vault before allocating money needed for everyday spending.

Choose the Virtual, Signature or Premium card inside Tria, select your actual country of residence and complete payment using crypto or an eligible debit or credit card. After payment, Tria sends you to the KYC flow.

Complete identity verification using the mobile app. Once approved, the virtual card can be activated immediately. Signature and Premium users receive the virtual version first and submit a delivery address when physical shipping becomes available for their country.

Tria is still expanding through a phased rollout, so some users may also encounter access-code or waitlist requirements when creating the wider Tria account.

For card, KYC, cashback, shipping or transaction issues, use Tria's official Help Center at https://help.tria.so and the in-app support chat. Tria's Help Center includes dedicated guidance for card applications, security, cashback, KYC and lounge access.

If your card details may be compromised, Tria recommends freezing the physical card or reissuing the virtual card through the app. Virtual cards can currently be reissued up to three times.

For a payment issue, keep the merchant, amount, date and decline details available. Never give support your seed phrase, private key or other credentials that control the self-custodial wallet.