Aven Card (Home Equity / Bitcoin-Backed Credit Card)

Aven is a US-licensed consumer finance platform (Aven Financial, Inc., NMLS #2042345); its Visa credit cards are issued by Coastal Community Bank, Member FDIC (NMLS #462289). Five product lines: Home Equity Visa (home-equity-backed card, limits to $400K, APR 6.49-14.99%, lowest-rate guarantee), Home Equity Cash (traditional HELOC closing in as fast as 15 minutes), Flexible Cash, Rewards Visa (no collateral, 3% cash back on the first $10K/yr then unlimited 2%, stainless steel physical card), and Bitcoin Visa (BTC-backed, limits to $1M, fixed-term APR from 8.99%, terms up to 10 years, custody at BitGo Bank & Trust with a no-rehypothecation pledge). Full cash back requires AutoPay enrollment (2 pts/$ vs 1.5 pts/$). US-facing: a US mobile number is required and VPN use is disallowed during the Bitcoin Card application; there is no instant virtual-card issuance - the product is a physical card managed via app. Trustpilot 4.9 from 10,292 reviews.