Fixed-rate loans through the card start at 7.99% annual percentage rate (APR) with repayment terms of up to 10 years.
Bitcoin News
Fintech startup Aven has launched a Bitcoin-backed Visa credit card that allows holders to borrow against their Bitcoin without selling it. The product was announced at the BitcoinConference2026 in Las Vegas.
The card offers a credit line of up to $1 million, secured by Bitcoin 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.
Fixed-rate loans through the card start at 7.99% annual percentage rate (APR) with repayment terms of up to 10 years. Aven said most competing Bitcoin-backed loan products carry APRs above 10% and cap loan terms at 12 months, based on the company's own April 2026 analysis of leading providers.
"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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