The Tria Card earns 1.5-6% USDT cashback on a Visa debit card with a $0 (one-time fee) fee, available in 150+ countries.
Tria is a self-custodial neobank and chain-abstraction platform operated by Threely Dimensions Inc., headquartered in New York City and co-founded by Vijit Katta (CEO) and Parth Bhalla (CTO). The company has raised approximately $12 million in pre-seed and strategic funding to build a self-custodial wallet, payments rails, and a card product for both human users and AI agents.
The Tria Card is a crypto debit card offered by Tria, available in 150+ countries. It offers 1.5-6% USDT cashback across 3 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at $0 (one-time fee).
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Visa network and requires standard identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Browse all our regional card guides. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Virtual | 1.5% | $25 one-time issuance, 1.5% up to $100/mo then 0.5% |
| Signature | 4.5% | $109 one-time issuance (PVC), 4.5% up to $1,000/mo then 1% |
| Premium | 6% | $250 one-time issuance (Metal), 6% up to $2,000/mo then 1% |
On $500/mo spend, the estimated monthly cost breakdown for Tria Card is: gas $0.00, conversion spread $0.00, flat/FX fees $0.00, and amortised card/tier fee $2.08, for a total drag of 0.4% of spend. After $2.00/mo cashback that is still a net cost of about $0.08/mo ($0.96/yr). Tria Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Tria is one of the few cards where "self-custody" describes the actual funding flow, not just the marketing: your crypto sits in a Threshold Signature Scheme wallet that Tria cannot unilaterally control, and it funds from on-chain balances rather than a centralized exchange account. With 1,000+ supported tokens, Apple Pay and Google Pay, and acceptance in over 150 countries, it fits on-chain natives who want to spend without pre-loading a custodian. The big eligibility caveat: it is not available to US residents, and an independent review also lists Russia, Turkey, India, Vietnam, Israel, Ukraine, and OFAC-sanctioned regions as blocked.
The rewards need a second read. As of Season 3 the headline rate applies only up to a monthly cap before dropping to a floor: Virtual earns 1.5% on the first $100 per month then 0.5%, Signature 4.5% on the first $1,000 then 1%, Premium 6% on the first $2,000 then 1%. On the plus side, Season 3 cashback is paid in USDT on Arbitrum via Merkle distribution, a much cleaner deal than the earlier TRIA-token model that paid 20% upfront and vested the remainder over months.
The real caution is trust, not mechanics. You pay the card fee before Sumsub KYC, and the fee is not refunded if verification is rejected. And the February 2026 TRIA airdrop, where roughly 90% of cardholders were marked "Not Eligible" despite paying for memberships, badly damaged early-adopter goodwill, even though no verified evidence of malicious intent emerged and reporting attributes the mess to miscommunication and strict eligibility rules. Buy it for the spending function; treat any token-linked promises as speculative.
Sentiment is positive-mixed. Users focused on the core function (spending crypto globally with self-custody) report satisfaction; one reviewer's example purchase ran "Instant, smooth, zero drama" [1]. The dominant complaint is token rewards: the February 2026 airdrop marked roughly 90% of cardholders "Not Eligible", angering paying users (tiers cost $25 to $250, and reporting cites frustration from members who paid over $100), and one user summarized Season 1 as "Season 1 promised loyalty token rewards, but in the end I received 0 TRIA" [1][2]. Reporting found no verified evidence of malicious intent, pointing instead to miscommunication and demanding eligibility rules [2].
Updated 2026-07-06
Note: Self-custody neobank with TSS (Threshold Signature Scheme) wallet. $12M raised (P2 Ventures, Aptos, Polygon execs, Ethereum Foundation execs, Wintermute). Season 3 introduced monthly cashback-rate caps (spending continues at the floor rate above them): Virtual 1.5% on first $100/mo (0.5% above), Signature 4.5% on first $1K/mo (1% above), Premium 6% on first $2K/mo (1% above). Season 3 cashback paid in USDT on Arbitrum via Merkle distribution; the earlier TRIA-token vesting payout (20% immediate, 3-month cliff, 80% over 6 months) was the pre-Season-3 model. TRIA token launched Feb 3, 2026 at $0.0158. Issuance fees updated: $25/$109/$250. Zero Tria conversion/top-up fees (standard 1% Visa network + FX may apply). $1M daily spend limit. Apple/Google Pay. 500K+ users, $100M+ volume by April 2026. Excludes Russia, China, India, US-sanctioned regions. Government pilots with UN and UAE.
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The Tria Card is a crypto debit card offered by Tria. It is available in 150+ countries and allows users to spend cryptocurrency at merchants worldwide.
The Tria Card offers 1.5-6% USDT cashback. There are 3 tiers: Virtual (1.5%), Signature (4.5%), Premium (6%).
The Tria Card has an annual fee of $0 (one-time fee). Additional fees: Conversion fee: 0%; Top-up: 0%.
The Tria Card has the following limits: daily spending limit: Up to $1,000,000. Limits can vary by account tier and verification level.
Supported assets include BTC, SOL, 1000+ tokens; top-up methods include Self-custody on-chain wallet balance.
Yes. Tria requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Tria Card is available in 150+ countries.
The Tria Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Tria Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Tria Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.