Aven Financial has launched a Bitcoin-backed Visa credit card offering users access to up to $1 million in credit without selling their BTC holdings.
The Aven Bitcoin Visa Card, unveiled at the Bitcoin Conference 2026 in Las Vegas, allows holders to borrow against their bitcoin at rates starting from 7.99% APR with no annual or origination fees.
The product also includes unlimited 2% cash back and fixed-rate borrowing options, positioning it as a hybrid between crypto lending and traditional credit cards.
“In a first for bitcoin lending, the Aven Bitcoin Visa Card also offers fixed-rate, fixed-term plans of up to 10 years for cash-outs and balance transfers on the line of credit,”
Said Aven.
Bitcoin collateral is held by BitGo, while the card is issued by Coastal Community Bank, separating custody and lending functions within the structure.
Aven said its offering undercuts competitors that typically charge 10% or higher APR with shorter loan terms, while enabling long-term holders to access liquidity without triggering taxable sales.
The launch reflects a broader trend of integrating Bitcoin into mainstream finance, as firms expand collateralised lending products that bridge crypto assets with traditional credit systems.
At the time of reporting, Bitcoin price was $77,384.25.