Avvio
Remote workers and crypto users get local USD, EUR, and GBP account details plus a spending card, all backed by self-custody wallets.
Avvio Non-Custodial Crypto Card With Global USD And EUR Accounts
What is Avvio?
Avvio is a non custodial crypto wallet and money app that gives users global USD, EUR, and GBP account details, a Visa card, yield on savings, and access to Bitcoin, gold, and tokenized stocks across Ethereum, Solana, and other supported chains.
Ready to try Avvio?
Open the official site and get started in a few clicks.
Avvio Overview
Avvio is a non custodial money app and wallet that lets you hold, spend, and grow money that crosses borders. It gives you dedicated USD, EUR, and in some cases GBP account details that work for incoming payments in more than 120 countries, alongside a Visa card, automatic yield on idle balances, and access to Bitcoin, gold, and tokenized stocks. Everything sits inside one balance, so you are not stitching together a bank account, a crypto wallet, and a separate savings app to manage money that moves between currencies and countries.
The app fits people whose income and spending do not stay in one country. A freelancer paid in USD or EUR while living somewhere else gets local style account details without opening a foreign bank account. A digital nomad who moves every few months keeps one balance that still works for local spending wherever they land. Someone paid in USDC or USDT, or holding Bitcoin, can deposit from a supported chain and spend or convert without handing control to a custodial platform that might freeze the account. People who have had a fintech account frozen or closed before will notice the difference in how the balance is structured.
The mechanics are straightforward. Money arrives through your USD, EUR, or GBP account details via ACH, SEPA, wire, or similar rails, and moves onto stablecoin rails once it lands, which is why settlement often takes seconds instead of days. From there you can spend with the linked Visa card at over 150 million merchants with no foreign exchange markup, let idle cash earn yield through third party DeFi routes, or buy Bitcoin, gold, or tokenized stocks without opening a separate app. Stablecoins can also come in directly from Ethereum, Solana, Base, and other chains, with bridging handled automatically in the background, and payouts go back out to local bank accounts in currencies like MXN, ARS, or BRL at a fraction of typical bank transfer costs.
What sets Avvio apart is that all of this runs on keys you control, using multi party computation instead of a company-held ledger, so the balance is not something Anzo Labs, Inc. can freeze or move on its own. Most apps that offer global accounts, a card, and yield in one place ask you to trust a custodian with your funds. Avvio tries to give you the same convenience, global account numbers, card spending, cross chain deposits, and yield, while keeping the underlying balance structured so control stays with the person using it rather than the platform running it.
Avvio Key features
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Global virtual accounts
Users get dedicated USD, EUR, or GBP account details that accept incoming payments from over 120 countries. Funds settle on stablecoin rails, so money arrives in seconds instead of days.
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Visa card spending
A linked Visa card works at more than 150 million merchants and supports Apple Pay. Spending pulls from the same balance with no foreign exchange markup.
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Yield on idle balances
USD and EUR balances can earn yield through third party DeFi protocols, with reported rates up to 5 to 7 percent APY. Interest builds automatically while users keep instant access to their funds.
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Multi asset access
Users can buy and hold Bitcoin, gold, and tokenized US stocks inside the same app without opening separate wallets. Bitcoin purchases on some routes settle instantly with zero fees.
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Cross chain stablecoin transfers
The app accepts USDC and USDT from Ethereum, Solana, Base, and other networks, handling bridging automatically through partners like LI.FI and Jupiter. Payouts to local bank accounts in currencies like MXN, BRL, and COP cost far less than standard bank transfers.
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Non custodial key control
Private keys stay under user control through Turnkey multi party computation, so Anzo Labs cannot freeze or move balances. Biometric login and real time transaction alerts add extra layers of security.
Download Avvio App For Android And iOS
Download Avvio and start spending crypto from your phone — available on Android and iOS.
Avvio Fees
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Routing fee One disclosed Avvio service fee is 0.15 percent on certain activity, with no monthly transaction limits.
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EUR to USDC conversion Converting EUR to USDC has carried a 0.25 percent fee in observed cases.
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SEPA deposit fee Some SEPA deposit routes have shown a small fixed fee of about 0.3 euro, which Avvio has sometimes reimbursed manually.
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Card FX fee Card spending is presented with zero foreign exchange markup.
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Network gas fees On chain transactions carry network gas fees that change with congestion on the blockchain used.
Avvio Supported networks
Bitcoin
Ethereum
Solana
Base
How to use Avvio
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Download and sign up
Get Avvio from the App Store or Google Play, then create your account with email OTP or another available login method.
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Verify your identity
Complete the ID checks required by Avvio's regulated partners so you can use fiat features like account details and the card.
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Get your account details or deposit crypto
Share your USD, EUR, or GBP account details with employers or clients, or send USDC or USDT from Ethereum, Solana, Base, or another supported chain.
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Turn on yield
Move idle balances into a savings goal so they start earning yield through the connected DeFi protocols, while staying withdrawable at any time.
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Request your Visa card
Link or order the card tied to your balance, then spend at merchants worldwide or add it to Apple Pay.
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Approve and track activity
Confirm each transaction with Face ID or your device biometrics, and check real time alerts and history to see where your money moves.
Avvio Demo video
Avvio Screenshots
Avvio User Reviews
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if only every neobank could be like avvio.
View on X ↗
but you know what? they shouldn't.
i love what avvio is doing, and i hope they keep raising the bar, outperforming the competition, and setting the standard for what a great neobank should be. -
this has to be the fastest support i've ever experienced❤️
View on X ↗
shoutout to the @tryavvio team, it's obvious they're all hands on deck
i highly recommend using Avvio!!! -
Avvio is a great alternative!
View on X ↗
Avvio Review
Pros
- Users get dedicated USD, EUR, or GBP account details that accept transfers from over 120 countries, without opening a separate bank account.
- Private keys stay under user control through multi party computation, so Anzo Labs cannot freeze or move a user's balance.
- Idle USD or EUR balances can earn yield up to 5 to 7 percent APY through third party DeFi protocols while staying withdrawable at any time.
- The linked Visa card charges zero foreign exchange markup and works at more than 150 million merchants.
- Stablecoin deposits from Ethereum, Solana, and Base route automatically through bridging partners, so users skip manual bridge steps.
Cons
- Yield rates change with the underlying DeFi protocols and are never guaranteed.
- Balances carry no deposit insurance since Avvio is a fintech company, not a bank.
- Losing your device and recovery method puts your funds at risk since no company can restore access for you.
- Fiat account features and card availability depend on your country and the partner banks licensed there.
Our verdict
Avvio packs a lot into one app: global USD, EUR, and GBP account details, a Visa card with no foreign exchange markup, yield on idle balances, and access to Bitcoin, gold, and tokenized stocks, all built on a non custodial structure where Anzo Labs never holds your keys. The setup works well for remote workers, freelancers, and digital nomads who get paid in one currency but spend in another, since they avoid opening separate bank accounts and instead move money over stablecoin rails at a fraction of typical bank costs. The tradeoff is that this control shifts real responsibility onto the user: there is no seed phrase to fall back on in the usual sense, recovery depends on the methods you configure, and balances carry no deposit insurance since Avvio is not a bank. Yield rates and some fees depend on third party DeFi protocols and partners like Bridge.xyz, so returns and costs can shift with market conditions rather than staying fixed. If you live and earn across borders and want one balance that handles receiving, saving, spending, and investing without handing custody to a company, Avvio is worth trying, but read the fee disclosures and confirm feature availability in your country before moving serious money.
Is Avvio safe & legit?
Anzo Labs, Inc. built Avvio as non custodial wallet software, so the company never holds your private keys and cannot freeze or move your balance. Fiat accounts and the Visa card run through licensed partners like Bridge.xyz and Lead Bank, and users on X have praised the app's fast support and its edge over regular neobanks. No major red flags stand out, but Avvio is not a bank, balances carry no deposit insurance, and users take on the usual smart contract, market, and partner risks that come with DeFi yield and crypto features.
X account intel @tryavvio
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Based in North America
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Joined X May 2023 3 years ago
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Username changes 30 renames last on Jan 23, 2026
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Signup source Web
Public profile signals from X. Use as one input alongside other due-diligence.
Wallet blacklist scan checked Sep 15, 2026
- MetaMask Not flagged
- Phantom Not flagged
- ScamSniffer Not flagged
- EtherAddressLookup Not flagged
- Keplr Wallet Not flagged
Domain avvio.xyz checked against public crypto wallet blacklists.
Avvio Updates
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Excited to be part in the Cohort 1 of Global Neobank Alliance with @PodsFinance
- 7 replies
- 4 reposts
- 22 likes
- 1.8K views
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The exchange rate is the tax you pay for having friends in other countries.
Might as well lower it and use Avvio 👀- 2 reposts
- 15 likes
- 777 views
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Send an invoice from Avvio and the payment lands straight in your balance. No separate app needed to check whether it went through.
1 more in this thread
Send your first invoice from Avvio today: https://avvio.xyz/join- 7 replies
- 1 reposts
- 12 likes
- 1.4K views
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You earned your money, so you should be the only one who has control over it. When you use Avvio, you have full custody of your money.
- 2 replies
- 2 reposts
- 10 likes
- 595 views
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One account with four ways to get paid.
USD, EUR, GBP and AED are live on Avvio. Real account details, in your name, that can receive a payment like any local account.
- 6 replies
- 3 reposts
- 21 likes
- 986 views
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A text we'll never send you:
"Your account has been temporarily restricted."
Why? Because we don't hold custody of your funds so there's nothing for us to freeze.- 4 replies
- 1 reposts
- 18 likes
- 1.3K views
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Earning in USD but living elsewhere? 🇺🇸
Keep your income in a real USD account. Hold GBP, AED or EUR alongside it, all in the same app, for everyday spending. No bank taking a cut when you move money between them.1 more in this thread
Download Avvio and open your accounts today: https://avvio.xyz/join- 2 replies
- 1 reposts
- 17 likes
- 1.1K views
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You can now invoice straight from Avvio.
Create it, send it, get paid into the balance you already hold on the app.
- 1 replies
- 3 reposts
- 23 likes
- 1.1K views
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Hold USD, EUR, GBP and AED in one Avvio account, each with real account details in your name.
No more opening separate accounts in every country you work with. Everything lives in one place.
- 4 replies
- 3 reposts
- 22 likes
- 1.3K views
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Anyone who's been in bitcoin knows how significant @lightspark's infra is. They've been building Grid quietly, and in a couple of years a big chunk of global payments will settle over it.
@tryavvio is proud to be an early partner, and we're launching Avvio for Business on Grid.
Want to be a beta tester? Reach out.
- 3 replies
- 4 reposts
- 31 likes
- 4.1K views
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Excited to be part of the Global Neobank Alliance 🚀🚀
For the next 3 months we're working with the @PodsFinance team to build true multi currency accounts for LATAM. Fiat payins, hold local stablecoins that earn interest, and payouts to local fiat options- 1 replies
- 7 reposts
- 20 likes
- 1.7K views
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Banking who others are afraid to bank.
Go check out http://avvio.xyz/wise if you are looking for an alternative 🧡
- 11 replies
- 1 reposts
- 51 likes
- 5.9K views
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Ask @PeterMcCormack or @isabellasg3 whether the money in their @Wise accounts was really theirs.
You can technically own it while someone else holds the off switch. That's why Kate points people to @tryavvio. Freedom money was supposed to fix this.- 2 replies
- 3 reposts
- 8 likes
- 1.1K views
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Our founders have been bitcoiners for 8+ years. In that time we've watched people get debanked for donations, protests, political opinions, or just touching crypto. It always comes down to the same thing: if someone else holds your money, they decide whether you keep it.
That's why we built Avvio self custodial from day one. We never hold your funds. Doesn't matter if we're at 1000 users or 10 million, freezing your money isn't something we're able to do.- 7 replies
- 4 reposts
- 33 likes
- 2.6K views
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La Roja brought home the trophy. 🏆 We brought home the language. Avvio is now fully in Spanish. 🇪🇸
Settings > Language > Spanish
- 5 replies
- 4 reposts
- 19 likes
- 1.6K views
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Just the beginning 🚀
- 1 replies
- 21 likes
- 1.5K views
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It’s sad watching great fintechs like @Wise @Revolut that were built to disrupt banks slowly become the very thing they set out to destroy.
Also one of reasons, I’m very bullish on all the new era of fintechs like @altitude @Onesafeio and obviously @tryavvio- 2 replies
- 2 reposts
- 21 likes
- 2K views
Avvio Reviews & Comments
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Open the official site and get started in a few clicks.
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